Buy Now Pay Later

Q. Where can I shop online that allows be to buy today but pay later?

A. Below are seven links that will help you find stores that allow you to buy now, pay later, from clothing to electronics to furniture. (Links open in a new window.)

1. BillMeLater Shopping - Store Directory - Bill Me Later allows you to shop online without a credit or debit card — instead, you enter your birthday and the last 4 digits of your Social Security number to buy now, then you receive a bill later to pay. This link offers you a directory of online stores that accept BillMeLater as a form of payment, including stores offering clothing and shoes, furniture, jewelry, computers and laptops, more. To get started, just shop — BillMeLater will be offered as an option when you check out at any of these stores, and you can register for the service at that time. (shopping.billmelater.com)

2. Rent-A-Center - “Rent to own” is sometimes thought of as interchangeable with “buy now pay later” because you get the item you want and pay for it over a period of time (usually at a high interest rate). Rent-A-Center is one of the best known rent-to-own stores, offering furniture, TVs and other electronics, computers, major appliances and more on a Buy Now Pay Later basis. There’s no credit check, making it attractive for those with bad credit histories. (www6.rentacenter.com)

3. Amazon.com: Amazon Financing Offers - Amazon offers a semi Buy Now Pay Later option in that you can buy any item with a purchase price of at least $149 and get 6 months to pay without interest charges. However, to do so you must sign up for the Amazon store credit card (or have one already). Amazon also offers certain 12-month and 24-month no interest financing on certain high end TV and entertainment systems. (www.amazon.com)

4. PayPal Smart Connect FAQs (formerly PayPal Buyer Credit) - Online payment service PayPal offers several special financing offers when you apply for their Buyer Credit program, including the ability to truly Buy Now and Pay Later with 3 months of no payments and no interest on purchases of over $199. They also have offers for no-interest deferred payment plans for 6 months or 12 months on purchases of over $199. Be sure to read the fine print because if you don’t fully pay off your balance within the time limits given, you could get hefty interest charges on the back end. (www.paypal.com)

5. Apple Store Credit - No Interest For 6 or 12 Months - Buying an iPad or other Apple product? You can buy now, pay later with financing that lets you pay over a 6-month or 12-month period, depending on the cost of the item(s) you buy. (store.apple.com)

6. HSN FlexPay - Not totally Buy Now Pay Later, but when you buy from this home shopping site, you can have your purchase price spread out over 5 months, allowing you to pay a portion up front but then getting almost half a year to finish your payments. (www.hsn.com)

7. Looking For Buy Now Pay Later Sites - We can’t verify the accuracy of this page, but it archives several forum conversations about online stores and catalog sites that offer Buy Now Pay Later terms. (www.thriftyfun.com)

Other Bessed pages of interest:

• Department Store Credit Cards
• Care Credit
• Credit Cards
• Rent To Own Furniture