Top 15 Stores with Buy Now, Pay Later Options

Shopping at big box stores is a great way to find everything you need in one place. However, when the items in your cart add up quickly, buy now, pay later options and other flexible payment solutions can help ease the financial strain. At Dealhack, we’ve rounded up the top retailers offering payment solutions that fit your budget and lifestyle. Let’s explore how these stores make it easy for you to shop smarter and manage your expenses effectively!

In this post, you’ll learn:

• The top 15 stores offer flexible payment options.

• How to save with BNPL, credit cards, and leasing plans.

• Hacks for interest-free and budget-friendly shopping.

• The best stores for big-ticket items like tech and furniture.

• Tips to maximize savings and avoid hidden fees.

1. Walmart: Flexible [Buy Now, Pay Later Options] for Every Shopper

Website: Walmart

Shop smarter at Walmart with flexible payment plans that keep your wallet happy. Whether you’re buying electronics, furniture, or holiday gifts, Walmart’s options like Affirm and layaway (seasonal) make large purchases manageable. Enjoy interest-free plans and no hidden fees for qualified purchases.

• Affirm splits payments: With Affirm, you can divide purchases over $144 into monthly installments, making it easy to afford big-ticket items like TVs or furniture.

• Seasonal layaway: Walmart’s holiday layaway program allows you to reserve items like toys and gadgets, paying over time with no interest.

• Convenient access: Payment plans are available both online and in-store, so you can choose the most convenient way to shop.

• Compatible with Rollbacks: Use Walmart Rollbacks or other promotions alongside flexible payments for even more savings.

Pro Tip: Combine Walmart’s layaway program with early Black Friday deals for unbeatable prices on high-demand items.

2. Target

Website: Target 

Target’s partnership with Sezzle introduces interest-free Buy Now, Pay Later Options for seasonal expenses like holiday shopping or school supplies. This is perfect for managing seasonal expenses like back-to-school supplies, holiday decorations, or gifts.

• Sezzle offers flexibility: Target shoppers can divide payments into four manageable interest-free installments, making budgeting easier for purchases of all sizes.

• Online and in-store availability: Whether shopping from your couch or in-store, Sezzle works seamlessly for most Target purchases.

• Earn rewards: Target Circle members continue to earn loyalty rewards even when using Sezzle for payments.

• Combine with REDcard: Save an additional 5% on every order by using your REDcard while opting for Sezzle payment plans.

Pro Tip: Use Sezzle for holiday shopping and take advantage of post-season sales for next year’s celebrations.

3. Costco

Website: Costco 

Make the most of your Costco membership with flexible payment options. While they don’t offer BNPL programs, their Costco Anywhere Visa® Card by Citi provides perks like cashback rewards and adjustable payment timelines, making it easier to manage bulk purchases.

• Cashback benefits: Earn cashback on everything from Costco purchases to gas and dining, helping you offset your costs.

• No annual fee: The card comes with no additional fee if you have an active Costco membership, making it cost-effective.

• Flexible payments: You can adjust payment schedules to align with your budget, especially for larger purchases like appliances or furniture.

• Ideal for bulk shopping: Use the card to stock up on essentials, and redeem cashback for even more savings.

Pro Tip: Combine your cashback rewards with Costco’s seasonal sales for double the value of your purchases.

4. Best Buy

Website: Best Buy

Tech enthusiasts can upgrade their gadgets with Best Buy’s Buy Now, Pay Later Plans, including 12-month interest-free financing. Best Buy offers a variety of flexible payment options, including interest-free credit cards and Progressive Leasing for non-credit-based approvals.

• Interest-free financing: My Best Buy® Credit Card offers 12-month interest-free financing on qualifying purchases, perfect for tech upgrades or appliances.

• Lease-to-own options: Progressive Leasing lets you acquire items like laptops or TVs without needing credit approval, paying over time.

• Flexible access: Both credit and leasing options are available for in-store and online purchases, giving you the freedom to shop your way.

• Combine with Open-Box Deals: Shop discounted open-box items while utilizing flexible payments for additional savings.

Pro Tip: Shop during Best Buy’s annual Black Friday in July and use Progressive Leasing to secure the best deals on electronics.

5. Home Depot

Website: Home Depot

Home improvement projects can be expensive, but Home Depot’s Buy Now, Pay Later Options make large purchases like appliances or renovation supplies manageable. Whether you’re working on a DIY project or a major remodel, their Project Loan and Consumer Credit Card provide flexible payment solutions.

• Project Loan for renovations: Get up to $55,000 with low fixed monthly payments to tackle large-scale home improvement projects.

• Interest-free financing: The Consumer Credit Card offers six months of no-interest financing on purchases, helping you manage costs.

• Large appliance eligibility: Both financing options can be used for major purchases like refrigerators, stoves, or washers.

• Pro Xtra Loyalty perks: Members enjoy additional savings and benefits when using financing for professional-grade materials or tools.

Pro Tip: Look out for Home Depot’s Special Buy of the Day and pair discounted prices with financing options for maximum savings.

6. Lowe’s

Website: Lowe’s

Tackle home improvement projects with Lowe’s flexible payment options. Whether you’re upgrading appliances or revamping your backyard, their Advantage Card and lease-to-own programs can help you spread out costs.

• Advantage Card perks: Lowe’s Advantage Card offers six months of special financing on eligible purchases, which is ideal for DIYers and renovators.

• Everyday discounts: Cardholders receive 5% off every purchase, providing consistent savings across all departments.

• Lease-to-own flexibility: The lease-to-own program requires no credit approval and allows you to pay over time, which is perfect for larger items.

• Broad applicability: Payment plans can be used for everything from lumber to outdoor furniture.

Pro Tip: Use Lowe’s Price Match Guarantee to secure the best deals before taking advantage of financing options.

7. Amazon: The King of Convenience with [Buy Now, Pay Later Plans]

Website: Amazon 

Amazon brings convenience to the forefront with its Monthly Payments program and Affirm’s customizable Buy Now, Pay Later Options. Their Monthly Payments program and partnership with Affirm make it easier to budget for everything from electronics to furniture. With interest-free or customizable plans, you can shop with confidence, knowing you’re in control of your spending.

• Monthly Payments program: Eligible items can be split into five interest-free payments, perfect for larger purchases like home goods or gadgets.

• Affirm financing flexibility: Use Affirm to create personalized monthly plans for higher-priced items, ensuring they fit within your budget.

• Prime benefits still apply: You can combine payment plans with Prime benefits like free shipping, streaming, and exclusive deals.

• Easy checkout experience: Both Monthly Payments and Affirm are seamlessly integrated into Amazon’s checkout for quick and simple financing options.

Pro Tip: Combine Amazon payment plans with Lightning Deals or Subscribe & Save for double the savings on essentials.

8. Sam’s Club

Website: Sam’s Club

Sam’s Club ensures members enjoy flexibility along with bulk savings. Their credit card and leasing programs offer flexible payment terms, ideal for stocking up on essentials, furniture, or seasonal items.

• Deferred interest financing: The Sam’s Club Credit Card provides deferred interest financing on qualifying purchases, helping you spread out payments.

• No-credit-needed leasing: Progressive Leasing allows you to buy items like furniture or electronics and pay over time without a credit check.

• Membership rewards: Use the credit card to earn cashback or rewards that can be redeemed at Sam’s Club.

• Flexible access: Both financing options are available for online and in-store purchases, giving you versatility in how you shop.

Pro Tip: Take advantage of Sam’s Club’s Instant Savings events and use Progressive Leasing to maximize your purchasing power.

9. Macy’s

Website: Macy’s

Macy’s combines luxury and affordability with flexible payment plans. By partnering with Klarna, Macy’s lets you split purchases into four easy, interest-free installments, perfect for fashion, home goods, and holiday shopping.

• Klarna’s four-installment plan: Split your total into four payments with no interest, making it easier to shop for higher-priced items.

• No hidden fees: Klarna’s transparent pricing ensures you only pay for what you buy—no surprises.

• Available online and in-store: Macy’s offers Klarna payment plans for both in-store and online purchases, making it versatile for all shoppers.

• Combine with sales events: Use Klarna during Macy’s big sales like their Semi-Annual Clearance Event for maximum savings.

Pro Tip: Stack Macy’s Friends & Family Sale discounts with Klarna for deals on designer brands and high-end items.

10. Apple

Website: Apple 

Apple’s payment plans make owning premium devices more accessible. With the Apple Card Monthly Installments, you can spread payments over several months without paying a penny in interest. Whether you’re upgrading your iPhone or getting a new MacBook, it’s a game-changer.

• Interest-free installments: Pay for your Apple products over 6, 12, or 24 months with zero interest using the Apple Card.

• Easy device upgrades: Apple’s trade-in program lets you reduce upfront costs by exchanging old devices for store credit.

• Wide purchase applicability: Financing covers everything from iPhones and iPads to accessories like AirPods or Apple Watches.

• Simple online and in-store options: You can choose financing during checkout online, in-store, or via the Apple Store app.

Pro Tip: Combine Apple’s trade-in program with a holiday sale to secure the latest gadgets for less.

11. Wayfair

Website: Wayfair 

Wayfair’s flexible payment plans make furnishing your dream home stress-free. Partnering with Affirm, Wayfair offers customizable payment options, helping you spread costs across manageable monthly installments.

• Affirm offers tailored payments: With Affirm, you can select a payment timeline that fits your budget and is ideal for buying furniture or home appliances.

• Applies to big-ticket items: Financing is available for larger purchases like sofas, bedroom sets, and kitchen islands.

• Interest rates vary: While some purchases may include interest, Affirm outlines all costs upfront, so you know exactly what you’re paying.

• Works during sales events: Use Affirm during Wayfair’s major sales, like Way Day, to secure deals while paying over time.

Pro Tip: Shop Wayfair’s Open-Box Deals section to find discounted items that still qualify for Affirm financing.

12. Kohl’s

Website: Kohl’s

Kohl’s ensures that shopping for the whole family is budget-friendly and has flexible payments. Their store card and Klarna offer adaptable payment options, perfect for spreading out the cost of clothing, home goods, or gifts.

• Klarna’s easy payments: Divide your total into four interest-free payments, making it easier to handle seasonal expenses.

• Exclusive cardholder discounts: Kohl’s Card offers flexible payment terms and grants access to exclusive discounts and offers.

• Stackable deals: Use Klarna or the Kohl’s Card alongside Kohl’s Cash and promo codes to maximize savings.

• Applies to sale items: Payment plans work for clearance and discounted items, so you don’t miss out on deals.

Pro Tip: Use Klarna during Kohl’s end-of-season sales to snag big savings while managing payments.

13. IKEA

Website: IKEA

IKEA’s Projekt Card is one of the most popular Buy Now, Pay Later Options, offering extended timelines for major furniture purchases. Their Projekt Card is ideal for large purchases like furniture sets or kitchen installations, offering low monthly payments over extended periods.

• Flexible financing options: The Projekt Card allows payments to be spread out up to 60 months, making it easy to budget for major purchases.

• No interest for promo periods: Certain promotional financing periods let you pay interest-free if balances are paid in full.

• Covers big purchases: Perfect for items like dining sets, bedroom furniture, or kitchen cabinets.

• Works online and in-store: Available for purchases made on IKEA’s website or in their retail locations.

Pro Tip: Visit IKEA’s As-Is Section for discounted items and combine them with Projekt Card financing to save big.

14. Staples

Website: Staples 

Staples simplifies payments for home offices and classrooms alike. Their Progressive Leasing program makes it easier to afford essential tech, furniture, and office supplies without requiring credit approval.

• No-credit-needed financing: Progressive Leasing offers payment plans to customers regardless of credit history, providing accessibility.

• Flexible schedules: Choose between weekly or monthly payment options to fit your budget.

• Wide product applicability: Use leasing for desks, chairs, laptops, printers, and more.

• Simple application process: Apply for leasing online or in-store with quick approval timelines.

Pro Tip: Combine Staples Rewards cashback with Progressive Leasing to save even more on office essentials.

15. Big Lots

Website: Big Lots

Big Lots offers flexible payment plans to make your budget go further. Their store card provides interest-free financing, while Progressive Leasing ensures accessibility for customers with all credit types.

• Big Lots Credit Card financing: Offers interest-free payment plans for large purchases, perfect for furniture or seasonal decor.

• Progressive Leasing access: No-credit-needed plans let you pay for items like mattresses or appliances over time.

• Applies to online and in-store: Both financing options are available for purchases made in-store or through their website.

• Great for big-ticket items: Spread payments on bulkier purchases like sofas, recliners, and dining sets.

Pro Tip: Shop during Big Lots’ Big Buys events to score major discounts and combine them with Progressive Leasing for even greater savings.

Comparison Table: Big Box Stores with Flexible Payment Options

Store	Payment Option	Key Features	Notable Benefits
Walmart	Affirm, Layaway (Seasonal)	Split payments over $144 or reserve items with interest-free layaway.	Ideal for big purchases and holiday shopping.
Target	Sezzle	Divide payments into 4 interest-free installments.	Combine with REDcard discounts and Target Circle rewards.
Costco	Costco Anywhere Visa® Card	Cashback on Costco purchases, gas, and dining.	No annual fee with membership flexible timelines.
Best Buy	My Best Buy® Credit Card, Progressive Leasing	Interest-free financing or lease-to-own with no credit needed.	Perfect for tech upgrades and appliances.
Home Depot	Project Loan, Consumer Credit Card	Up to $55,000 loans or 6-month interest-free credit card financing.	Ideal for renovations and large appliance purchases.
Lowe’s	Lowe’s Advantage Card, Lease-to-Own	6-month financing; lease-to-own without credit checks.	5% daily discounts with the Advantage Card.
Amazon	Monthly Payments, Affirm	Interest-free installments or customizable plans.	Seamlessly integrates with Amazon Prime benefits.
Sam’s Club	Credit Card, Progressive Leasing	Deferred interest or no-credit-needed leasing.	Earn cashback and rewards with the credit card.
Macy’s	Klarna	Split purchases into 4 interest-free installments.	Perfect for luxury brands and sales events.
Apple	Apple Card Monthly Installments	0% interest financing over 6, 12, or 24 months.	Trade-in reduces upfront costs.
Wayfair	Affirm	Customizable monthly plans for furniture and decor.	Works for Open-Box Deals and during sales.
Kohl’s	Klarna, Kohl’s Card	Interest-free payments via Klarna; discounts for cardholders.	Stackable with Kohl’s Cash and promo codes.
IKEA	Projekt Card	Financing up to 60 months for large purchases.	Available online and in-store; no interest during promos.
Staples	Progressive Leasing	No credit check; flexible payments for office essentials.	Ideal for home office tech and furniture.
Big Lots	Credit Card, Progressive Leasing	Interest-free financing or lease-to-own for furniture and decor.	Available online and in-store, great for big-ticket items.

Conclusion

Flexible payment options at big box stores make shopping smarter and more accessible. Whether you’re upgrading your tech, tackling home projects, or managing holiday expenses, these stores offer tailored solutions like BNPL, credit cards, and leasing plans. By leveraging these options and stacking them with rewards and discounts, you can stretch your budget without stress.

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FAQ

What are flexible payment options, and why should I use them?

Flexible payment options, like BNPL plans, credit cards, or leasing, allow you to spread out payments over time. They help you afford big-ticket items without upfront financial strain.

Which stores offer interest-free payment plans?

Stores like Target, Amazon, Macy’s, and Apple offer interest-free payment plans through options like Sezzle, Klarna, or Apple Card Monthly Installments.

Can I use flexible payment options for in-store purchases?

Yes, many stores, such as Target, Home Depot, and Lowe’s, offer flexible payments both online and in-store for your convenience.

Do flexible payment options require a credit check?

It depends. Services like Affirm often require a soft credit check, but Progressive Leasing at Best Buy and Staples do not.

Are there any fees for using payment plans?

Interest-free options typically have no fees if payments are made on time. However, some plans with interest may have associated costs, clearly outlined upfront.

Can I combine flexible payments with store promotions or rewards?

Absolutely! Many stores, like Walmart and Target, let you combine payment plans with discounts, rewards, and loyalty programs.

What happens if I miss a payment?

Missing a payment may result in fees or interest charges. It’s crucial to understand the terms of your specific plan.

Are flexible payment options available for big-ticket items only?

No. While they’re great for large purchases, options like Sezzle and Klarna can be used for smaller items, too.

How do I know if an item qualifies for a payment plan?

Eligible items are usually labeled at checkout. Check the retailer’s website for details.

What’s the best tip for maximizing savings with these options?

Combine flexible payments with seasonal sales and loyalty rewards to stretch your budget even further.