15 Stores with Buy Now, Pay Later Options and What Each Plan Costs

Most big US retailers now let you split a purchase into installments. Walmart uses Klarna through OnePay; Costco, Amazon, Lowe’s and Wayfair offer Affirm, and Sam’s Club is adding it; Macy’s offers Klarna; Staples takes Klarna, PayPal Pay Later and Affirm. Pay-in-4 plans are usually interest-free, monthly plans can cost up to about 36% APR, and store credit cards often charge deferred interest if the promo balance isn’t cleared in time. Here is what each store offers as of November 2026.

1. Walmart

Website: Walmart

Walmart’s buy now, pay later option is OnePay Later, a Klarna installment loan managed in the OnePay app. Klarna replaced Affirm as Walmart’s provider in 2025. You can use it in stores, on Walmart.com and in the Walmart app for eligible purchases between $25 and $6,000.

• Plan lengths: Biweekly or monthly plans of up to 36 months, at 9.99% to 35.99% APR. Some purchases qualify for an interest-free Pay in 4.
• Check before you buy: The OnePay app shows whether you prequalify, and the APR and total interest appear before you accept an offer.
• Affirm still works: Affirm’s virtual Affirm Card can be used at Walmart for purchases as low as $35.

2. Target

Website: Target 

At Target you can pay over time with Affirm: Affirm lists Target as a store where the Affirm Card works online and in stores, at 0% to 36% APR depending on credit, with an interest-free Pay in 4 option.

• Target Circle Card: Takes 5% off Target purchases in stores and online, adds free shipping on most Target.com items and gives you an extra 30 days for returns. It isn’t an installment plan, so it suits shoppers who pay in full.
• Smaller baskets: Pay in 4 splits a purchase into four payments every two weeks, which suits everyday orders better than a monthly loan.

3. Costco

Website: Costco 

Costco offers Affirm on online and in-warehouse orders of $400 or more, with plans of 3, 6, 12, 18, 24 or 36 months at 10% to 36% APR. If you would rather earn rewards than finance, the Costco Anywhere Visa Card by Citi has no annual fee with a paid Costco membership.

• Card rewards: 5% back on gas at Costco and 4% on other eligible gas and EV charging (on up to $7,000 a year combined, then 1%), 3% on restaurants and eligible travel, 2% on other Costco purchases and 1% on everything else.
• Who can apply: You need a current Costco membership in your name.

4. Best Buy

Website: Best Buy

Best Buy’s main financing comes from its own cards, the My Best Buy Credit Card and My Best Buy Visa issued by Citi, which carry deferred-interest financing offers on qualifying purchases. Affirm also lists Best Buy as a store where you can pay with a one-time Affirm virtual card.

• Deferred interest: If a promotional balance isn’t paid in full by the end of the term, interest is charged back to the purchase date. Divide the price by the number of months and pay at least that much each month.
• Affirm virtual card: Request a card in the Affirm app for the amount you plan to spend, choose a plan, then enter the card details at checkout. Rates run from 0% to 36% APR based on credit.

5. Home Depot

Website: Home Depot

Home Depot’s financing comes from its own credit cards. Its credit center doesn’t list a pay-in-4 partner, so the store card is the main way to spread a large purchase such as an appliance or flooring.

• Consumer Credit Card: 12 months of everyday special financing on purchases of $299 or more, subject to credit approval. Read the terms at checkout to see whether the offer is deferred interest.
• Pro Xtra card for businesses: Up to 60 days to pay, or a 2% discount for paying invoices online within 20 days.

6. Lowe’s

Website: Lowe’s

Since February 2026, Lowe’s has offered Affirm on Lowes.com and in the Lowe’s app, with plans paid every two weeks or monthly. That sits alongside the MyLowe’s Rewards Credit Card, Lowe’s own store card.

• Affirm terms: Rates run from 0% to 36% APR based on credit, Pay in 4 is interest-free, and Affirm shows the full cost before you confirm.

7. Amazon

Website: Amazon

Amazon offers Affirm monthly payments on eligible purchases, at 10% to 36% APR based on your credit. Affirm shows the payment schedule and total interest before you commit.

• Which items qualify: Affirm appears at checkout only on eligible items, each purchase gets its own eligibility check, and the option isn’t available in every state.

8. Sam’s Club

Website: Sam’s Club

Sam’s Club signed a multi-year deal in October 2026 that makes Affirm its exclusive buy now, pay later provider. Affirm monthly plans are due on SamsClub.com ahead of the 2026 holiday season, with clubs to follow in early 2027.

• Down payments: A down payment may be required on purchases of $500 or more.
• In clubs: Until the rollout reaches clubs in 2027, in-club purchases need another payment method.

9. Macy’s

Website: Macy’s

Macy’s offers Klarna’s Pay in 4, which splits a purchase into four interest-free payments. Macy’s added it in 2021 on Macys.com, Bloomingdales.com and Bluemercury.com and in its US stores, where you pay with the Klarna app or a one-time card added to Apple Wallet or Google Wallet.

• Use it on sale prices: Pay in 4 doesn’t change the price, so apply a Macy’s coupon or wait for a sale before you split the total.

10. Apple

Website: Apple

Apple Card Monthly Installments let you pay for Apple products at 0% APR when you check out with Apple Card at Apple: 24 months for iPhone, 12 months for Mac, iPad, Apple Watch and Apple Vision Pro, and 6 months for AirPods.

• iPhone conditions: Installments on iPhone require activation with AT&T, T-Mobile or Verizon. The carriers also offer their own 36-month 0% plans billed with your phone bill.
• Affirm and Klarna: Online and in Apple’s apps, you can choose Affirm or Klarna through Apple Pay on iPhone or iPad. This isn’t available in Apple Stores.
• Trade-in: Apple’s trade-in program gives credit for an eligible old device toward the new one.

11. Wayfair

Website: Wayfair 

Wayfair offers Affirm at checkout for furniture and home goods, at 0% to 36% APR based on credit, with an interest-free Pay in 4 option. A down payment may be required, depending on the purchase amount.

• Finance the sale price: Way Day is Wayfair’s biggest sale, and a plan started then is based on the discounted price.

12. Kohl’s

Website: Kohl’s

Kohl’s lists Klarna as a payment option at checkout, and Klarna shows the plans you qualify for before you confirm. Kohl’s also has its own Kohl’s Card, a store credit card rather than an installment plan.

• Discounts first: Kohl’s Cash and promo codes reduce the order total before you split what is left.

13. IKEA

Website: IKEA

IKEA’s Projekt Credit Card offers 0% interest for 6 months on purchases of $500 or more, 12 months on $1,000 or more, or 24 months on $2,500 or more. Interest applies to any promo balance left after the promotional period, and the standard purchase APR is 21.99%.

• Afterpay: For smaller orders, IKEA accepts Afterpay, which splits the cost into four interest-free payments with no fees if you pay on time.
• Minimum payments: IKEA warns that minimum payments may not clear the promotional balance in time, so divide the total by the number of promo months and pay that each month.

14. Staples

Website: Staples 

Staples offers three buy now, pay later options: PayPal Pay Later and Klarna online and in stores, and Affirm in stores only. Staples says financing from 0% APR is available through all three, and the full terms appear before you confirm an online order.

• Affirm in stores: Rates run from 0% to 36% APR, and a down payment may be required.

15. Dell

Website: Dell

Dell’s own financing is Dell Pay Credit, issued by Comenity Capital Bank. The current offer for new accounts is 12 months of special financing on purchases of $799 or more. It is deferred interest: if the promo balance isn’t paid in full in time, interest is charged from the purchase date at a 35.99% purchase APR.

• PayPal Pay in 4: Dell also accepts PayPal Pay in 4, though subscription products are excluded.
• Exclusions: Refurbished and used items don’t qualify for the Dell Pay promotion, and taxes and shipping don’t count toward the $799 minimum.

Payment options by store

Store	Payment Option	Key Features	Notable Benefits
Walmart	OnePay Later (Klarna)	$25 to $6,000, up to 36 months, 9.99% to 35.99% APR	0% Pay in 4 on some purchases; stores, site and app
Target	Affirm, Target Circle Card	Affirm at 0% to 36% APR; card takes 5% off	Card adds free shipping and 30 extra return days
Costco	Affirm, Costco Anywhere Visa	Affirm on $400+ orders, 3 to 36 months, 10% to 36% APR	Online and in warehouses; card has no annual fee with membership
Best Buy	My Best Buy cards (Citi), Affirm virtual card	Deferred-interest financing on qualifying purchases	Clear the promo balance in time to avoid back interest
Home Depot	Consumer Credit Card, Pro Xtra card	12 months of financing on $299+	Pro Xtra: 60 days to pay or 2% early-pay discount
Lowe’s	Affirm, MyLowe’s Rewards Credit Card	Affirm on Lowes.com and the app since February 2026	Pay every two weeks or monthly
Amazon	Affirm	10% to 36% APR based on credit	Eligibility check on each purchase
Sam’s Club	Affirm (exclusive)	Monthly plans on SamsClub.com from late 2026	Clubs from early 2027; down payment possible on $500+
Macy’s	Klarna Pay in 4	Four interest-free payments	Online and in stores through the Klarna app
Apple	Apple Card Monthly Installments	0% APR: 24 months iPhone, 12 months Mac, iPad and Watch, 6 months AirPods	Affirm or Klarna through Apple Pay online
Wayfair	Affirm	0% to 36% APR; Pay in 4 at 0%	Down payment may be required
Kohl’s	Klarna, Kohl’s Card	Klarna plans shown at checkout	Kohl’s Cash and coupons apply first
IKEA	Projekt Credit Card, Afterpay	0% for 6, 12 or 24 months ($500, $1,000 or $2,500 minimum)	21.99% APR on any balance after the promo
Staples	PayPal Pay Later, Klarna, Affirm	Financing from 0% APR	Affirm in stores only
Dell	Dell Pay Credit, PayPal Pay in 4	12 months on $799+ (deferred interest)	35.99% APR if a promo balance remains

How to choose a plan

Pay-in-4 plans from Affirm, Klarna and PayPal are interest-free when you pay on time, so they are the cheapest way to spread a smaller purchase. Monthly plans can run up to 36% APR, which can cost more than the discount you were chasing. Store cards such as IKEA Projekt, Dell Pay and the Best Buy and Home Depot cards offer longer promotional periods, but deferred-interest offers charge interest back to the purchase date if any promo balance is left. Check the store’s DealHack coupon page before you check out, since a coupon lowers the amount you finance.

FAQ

Which stores offer interest-free payment plans?

Apple (Apple Card Monthly Installments at 0% APR), Macy’s (Klarna Pay in 4) and IKEA (Projekt Card promotional financing) all do. Pay in 4 through Affirm or Klarna at Walmart, Target, Wayfair, Lowe’s and Staples is also interest-free on eligible purchases when you pay on time.

Can I pay in installments in a store?

Yes at Walmart (OnePay Later), Costco warehouses (Affirm on $400 or more), Macy’s (Klarna app), Staples (Klarna, PayPal Pay Later and Affirm) and with an Affirm Card at Target. Apple’s Affirm and Klarna options are online only, and Lowe’s Affirm option covers Lowes.com and the Lowe’s app.

Do buy now, pay later plans need a credit check?

Affirm and Klarna check your eligibility for each purchase, and OnePay lets you see whether you prequalify before you shop. Store credit cards such as the IKEA Projekt Card or Dell Pay Credit require a full credit application.

What is deferred interest?

Many store cards advertise 0% for 6 to 24 months as deferred interest. Pay the full promotional balance before the period ends and you pay no interest; leave any of it and interest is charged from the purchase date. IKEA and Dell both warn that minimum payments may not clear the promo balance in time.

Can I use a coupon and pay later on the same order?

Usually, yes. Coupons, sale prices and rewards such as Kohl’s Cash reduce the order total first, and the plan covers what is left.

What happens if I miss a payment?

It depends on the lender. Store cards charge interest at the card’s APR (21.99% on the IKEA Projekt card, 35.99% on Dell Pay Credit) and a missed promo deadline triggers deferred interest. Late fees and credit reporting differ between Affirm, Klarna and PayPal, so read the plan agreement before you accept.