Buy now pay later sites are out there. So are buy now pay later catalogs. This article points you exactly where you need to go in order to get what you want — some are even designed for customers with less than perfect credit. No matter what your credit history is, you can likely find a buy now pay later site that’s right for you. These are buy now pay later clothing sites, buy now pay later furniture sites, buy now pay later toys, etc.

In This Article

  • What Exactly Buy Now Pay Later Means

  • The List of Buy Now Pay Later Sites and Catalogs, Sorted by Category

    • Clothing
    • Furniture
    • General Retail
    • Home Decor
    • Luxury

What Buy Now Pay Later Means

Basically, “buy now, pay later” is a long-term payment option. It allows customers to buy items that they need right away, but don’t have the money for at that moment. The store will usually allow you an interest-free period in which you can pay the total cost of the item you purchased — this period is usually six months to a year long, and consists of a set amount of monthly payments, but can vary.

After the interest-free period is over, the store will usually charge you an additional monthly fee, a high interest rate, or some percentage of your purchase in addition to the total cost of the item. Needless to say, paying off the item during the interest-free payment period is the smart way to go, especially since the interest rates after the 0% APR (Annual Percentage Rate) period can be anywhere from 20-40%. That means you’ll be paying almost half of the item’s cost in addition to the total cost, just in interest.

However, don’t worry too much: most buy now pay later plans are very reasonable and give you ample opportunity to pay the total amount. If you do well, you can even build your credit score with some stores. With that being said, onto the lists of buy now pay later stores!

Buy Now, Pay Later Clothing

To learn about more buy now, pay later stores that sell clothing, take a look at our article dedicated specifically to the subject.

1. Ashro

  • What does Ashro sell? Ashro sells formal, semi-formal, and casual clothing for women, as well as jackets, outerwear, and loungewear. You can also find casual and formal clothing for men. The clothes are African styles and prints.
  • Catalog? Yes. You can look at the online catalog, or sign up to receive a free physical copy.
  • Physical Location? No.
  • Required credit score/credit check? You have to apply for Ashro’s credit card to take advantage of the “buy now, pay later” option. You will find out if you meet the requirements within 24 hours, though the necessary credit score is not specified on the website.
  • Interest rate on late payments (APR): 5.75%-23.99%, plus late fees of up to $15.
  • Read more about Ashro’s “buy now, pay later” store policy.
  • Start shopping at Ashro.

2. Midnight Velvet

  • What does Midnight Velvet sell? Though Midnight Velvet sells home decor as well, the company specializes in clothes, and even has a lot of handy style guides available for customers to browse.
  • Catalog? Yes. Midnight Velvet will send you a free, clothing catalog if you fill out their form. You can also check out their online catalog.
  • Physical location(s)? No.
  • Credit check required? The company requires you to use its personal store credit card to utilize the “buy now, pay later” option. Midnight Velvet will run a credit check, but doesn’t specify the score you’ll need to qualify.
  • Interest rate on late payments (APR): 5.75%-23.99%
  • Read more about Midnight Velvet’s credit option.
  • Start shopping at Midnight Velvet.

3. Monroe and Main

  • What does Monroe and Main sell? Monroe and Main sells men’s and women’s clothing in regular and plus sizes. You can find activewear, pants suits, outerwear, and business attire on the website.
  • Catalog: You can look at the online catalog, or sign up to receive a free physical copy.
  • Physical Location: Monroe, WI. 
  • Required credit score/credit check: You have to apply for Monroe and Main’s credit card to take advantage of the “buy now, pay later” option. You will find out if you meet the requirements within 24 hours, though the necessary credit score is not specified on the website.
  • Interest rate on late payments (APR): 5.75%-23.99%, plus late fees of up to $15.
  • Read more about Monroe and Main’s “wear now, pay later” store policy.
  • Start shopping at Monroe and Main.

A Note on Rent-To-Own Furniture/Appliance Stores

Rent-to-Own/Leasing isn’t exactly the same as buy now, pay later, but it’s similar. For example, when you’re leasing furniture, or renting to buy, you’ll often end up paying a bit more than the actual selling price of the item: stores will charge you the selling price plus an additional 5% of the purchase, or something similar. Whereas with buy now, pay later options, if you’re on time with your payments you should pay exactly the same price as if you bought it right there and then. However, if you’d like to look into furniture and appliance stores that have leasing payment plans, check out our article about your many options.

Buy Now, Pay Later General Retail

4. Fingerhut

  • What does Fingerhut sell? Fingerhut has multiple departments and sells everything from furniture to jewelry, often brand-name.
  • Catalog? Yes. If you fill out their form, Fingerhut will send you a free printed catalog (one every two months).
  • Physical location(s)? Not for retail, but you can pay your bills at a physical location if you’d like.
  • Credit check required? The company does run a credit check, but doesn’t state what your score needs to be for you to be approved. However, you can find out quickly by applying here.
  • Interest rate on late payments (APR): 25.15%
  • Read more about Fingerhut’s policy.
  • Start shopping at Fingerhut.

5. Flexshopper

  • What does Flexshopper sell? Flexshopper has multiple departments, and sells everything from furniture to jewelry, often brand-name.
  • Catalog: No.
  • Physical location: No.
  • Required credit score/credit check: The company accepts people/accounts with poor credit scores, but do not always approve those with poor credit scores. Chances are, you’ll qualify, but find out if you do on their website.
  • Interest rate on late payments (APR): Unspecified.
  • Read more about Flexshopper’s policy.
  • Start shopping at Flexshopper.

6. Gettington

  • What does Gettington sell? Gettington has multiple departments, and sells everything from furniture to jewelry, often brand-name.
  • Catalog: No, but you can sign up for their email list for special events and deals (very bottom of the page on the right).
  • Physical location: Not for retail, but you can pay your bills at a physical location if you’d like.
  • Required credit score/credit check: The company does run a credit check, but doesn’t state what your score needs to be for you to be approved. Find out if you qualify.
  • Interest rate on late payments (APR): 25.15%
  • Read more about Gettington’s policy.
  • Start shopping at Gettington.

7. Ginny’s

  • What does Ginny’s sell? Ginny’s has multiple departments, and sells everything from furniture to jewelry, often brand-name.
  • Catalog: Yes. Ginny’s will send you a free printed catalog if you fill out their form. You can also view their online catalog.
  • Physical location: No.
  • Required credit score/credit check: The company does run a credit check, but doesn’t state what your score needs to be for you to be approved. However, you can find out within 24 hours by applying on the site during checkout.
  • Interest rate on late payments (APR): 5.75%-23.99%
  • Read more about Ginny’s policy.
  • Start shopping at Ginny’s.

8. HSN (Home Shopping Network)

  • What does HSN sell? HSN has multiple departments, and sells everything from furniture to jewelry, often brand-name.
  • Catalog: No, but you can sign up for relevant emails.
  • Physical location: Not nationwide, but HSN has a couple of outlet stores in different areas of Florida.
  • Required credit score/credit check: The company does run a credit check, but doesn’t state what your score needs to be for you to be approved. You can find out if you qualify by creating an account.
  • Interest rate on late payments (APR): 13.49%-27.24%.
  • Read more about HSN’s policy.
  • Start shopping at HSN.

9. Leaseville (and Leaseville No Credit)

  • What does Leaseville sell? Fitness equipment, engagement rings, computers, electronics, appliances, lawn and landscaping tools, furniture, and music equipment
  • Catalog: No.
  • Physical location: No.
  • Required credit score/credit check: While Leaseville No Credit doesn’t perform credit checks, the company requires the following:
    • Customers must earn at least $1,000 per month.
    • Customers must be employed at the same job for at least six months, self-employed, or on SSI/VA/retirement/long-term disability
    • Customers must have a checking account that’s been open and active for at least three months and that meets the following criteria:
      • Five transactions per month with at least $500 in deposits per month
      • No non-sufficient or excessive overdrafts within the last 30 days
      • No prepaid debit cards
    • Leaseville’s main site requires fair or better credit for approval.
  • Interest rate on late payments (APR): Not disclosed online. However, keep in mind that payments will be automatically taken out of the checking account.
  • Read more about Leaseville’s buy now, pay later policy or find out about Leaseville No Credit’s policy
  • Start shopping with Leaseville, or here with Leaseville No Credit.

10. Montgomery Ward

  • What does Montgomery Ward sell? Montgomery Ward has multiple departments, and sells everything from furniture to jewelry, often brand-name.
  • Catalog: Yes. Montgomery Ward will send you a free printed catalog if you fill out their form. You can also view their online catalog.
  • Physical location: No.
  • Required credit score/credit check: The company does run a credit check, but doesn’t state what your score needs to be for you to be approved. However, you can find out within 24 hours by applying on the site during checkout.
  • Interest rate on late payments (APR): 5.75%-23.99%
  • Read more about Montgomery Ward’s buy now, pay later policy.
  • Start shopping at Montgomery Ward.

11. QVC

  • What does QVC sell? QVC has multiple departments, and sells everything from furniture to jewelry, often brand-name. However, the company has a separate section for buy now, pay later options.
  • Catalog: No.
  • Physical location: No.
  • Required credit score/credit check: The company’s website states that “Easy Pay [QVC’s “buy now, pay later” option] offers are subject to approval by QVC based on a number of factors, including item type, price, and payment history.” You must also have a major credit card to participate in Easy Pay.
  • Interest rate on late payments (APR): Unspecified.
  • Read more about QVC’s Easy Pay policy.
  • Start shopping at QVC.

12. Seventh Avenue

  • What does Seventh Avenue sell? Seventh Avenue has multiple departments, and sells everything from furniture to jewelry, often brand-name.
  • Catalog: Yes. Seventh Avenue will send you a free, seasonal printed catalog if you fill out their form. You can also view their online catalog.
  • Physical location: No.
  • Required credit score/credit check: The company requires you to use its personal store credit card to utilize the “buy now, pay later” option. Seventh Avenue will run a credit check, but doesn’t specify the score you’ll need to qualify. You’ll find out within 24 hours when you apply at checkout.
  • Interest rate on late payments (APR): 5.75%-23.99%
  • Read more about Seventh Avenue’s buy now, pay later policy
  • Start shopping at Seventh Avenue.

13. Stoneberry

  • What does Stoneberry sell? Stoneberry has multiple departments and sells everything from furniture to jewelry, often brand-name.
  • Catalog: Yes. Stoneberry will send you a free printed catalog if you fill out their form. You can also view their online catalog.
  • Physical location: No.
  • Required credit score/credit check: Stoneberry will run a credit check, but doesn’t specify the score you’ll need to qualify. Read more about how to apply.
  • Interest rate on late payments (APR): 12%-23.99%, with an additional late fee of $15.00 or less.
  • Read more about Stoneberry’s policy.
  • Start shopping at Stoneberry.

14. Zebit Market

  • What does Zebit sell? Zebit has many departments, including everything from health and beauty, electronics, home décor, and book to lawn and garden, school supplies, pets, and more.
  • Catalog: Zebit does not offer a printed catalog, but you can browse products online.
  • Physical location: No.
  • Required credit score/credit check: Zebit does not run a credit check when you sign up. To register, you need to be at least 18 and employed. Zebit will verify your employment as part of the application process.
  • Interest rate on late payments (APR): Zebit promises no interest and no fees, and asks that you call them if you expect you will miss a payment so that they can rework your payment plan.
  • Read about Zebit’s policy.
  • Sign up for Zebit to start shopping.

Buy Now, Pay Later Home Decor

14. Country Door

  • What does Country Door sell? Country Door specializes in selling home decor for comfortable, expressive living. It has multiple departments but focuses on home decor, furniture, and seasonal accents.
  • Catalog: Yes. Country Door will send you a free printed catalog if you fill out their form. You can also find their online catalog.
  • Physical location: Not for retail, but you can pay your bills at a physical location if you’d like.
  • Required credit score/credit check: The company requires you to use its personal store credit card to utilize the “buy now, pay later” option.Country Door will run a credit check, but doesn’t specify the score you’ll need to qualify. You’ll find out within 24 hours when you apply at checkout.
  • Interest rate on late payments (APR): 5.75%-23.99%
  • Read more about Country Door’s decorate now, pay later policy.
  • Start shopping at Country Door.

Buy Now, Pay Later Luxury

15. Bradford Exchange

  • What does Bradford Exchange sell? Bradford Exchange has multiple departments specializing in artisan and personalized works. Think jewelry, collectibles, and the like.
  • Catalog: Yes. Bradford Exchange will send you a free printed catalog when it updates its stock if you fill out their form.
  • Physical location: Largely online, but there are a few physical locations you can check out.
  • Required credit score/credit check: The company doesn’t specify, but does state that they only accept VISA, MasterCard, Discover, American Express, and PayPal for payments of your online order.
  • Interest rate on late payments (APR): None!
  • Read about Bradford Exchange’s installment payment option.
  • Start shopping at Bradford Exchange.

16. Emporium

  • What does Emporium sell? Emporium has multiple departments, and sells everything from furniture to jewelry, focusing on luxury or brand-name items.
  • Catalog: No.
  • Physical location: No.
  • Required credit score/credit check: The company does run a credit check, but the program is set up “for those with new or less than perfect credit.” You can find out instantly if you qualify (click “Apply Now” in the top right”).
  • Interest rate on late payments (APR): No direct percentage for interest you’ll have to pay, but instead, if you don’t make the payments within the 6/9/12 month period, you’ll pay “50% of the difference between the Total of Payments in your lease agreement and the sum of all lease payments you have made (not including any taxes or fees).” In other words, you’ll pay an additional half of whatever you haven’t paid back.
  • Read about Emporium’s buy now, pay later policy.
  • Start shopping at Emporium.

In Summary

We hope that you found a buy now pay later site or catalog that suits your needs! Buy now pay later stores can be incredibly handy, especially during the holiday season.

As a final note, we’d like to caution you to avoid being late with monthly payments if you do pursue any of the stores on this list. Make yourself a lot of physical reminders, because a 20% interest rate can be a hefty consequence of forgetting a payment date. Enjoy the shop now pay later experience!