澳洲幸运5开奖号码历史查询:Buy now, pay later (BNPL) is an increasingly popular way for consumers to make purchases online and in stores. These point-of-sale installment loans are offered by a number of services, and an estimated 39% of people have tried one at least once.

As interest in this type of short-term financing grows, the number of retailers accepting it is also climbing. Below are some of the stores that accept Affirm, 澳洲幸运5开奖号码历史查询:Afterpay, Klarna, and others.

What Is Buy Now, Pay Later?

Buy now, pay later is a type of short-term loan that can be used ඣto pay for purchases online or in stores at participating retailers. A number of platforms offer these point-of-sale installment loans, including:

• Affirm
• Afterpay
• Four
• Klarna
• Sezzle
• Zip (previously Quadpay)
  

The idea behind buy now, pay later is simple: Consumers can split up payments into four (or more) installments. Depending on the platform, these loans may be free of interest. In a sense, buy now, pay later is similar to layaway, but with 澳洲幸运5开奖号码历史查询:one key difference: Rather than having to wait🐭 until they’ve made all the installment payments, consumers can get their purchases right away.

6 Major Buy Now, Pay Later Services and Partici🍃pating Retailers

A growing number of retailers accept these point-of-sale (POS) installment loans as a payment method. But where you can shop with buy now, pay later depends on which payment platform you’ꦍre using. Here are how six buy n🐲ow, pay later platforms compare in terms of where you can use each one.

Affirm

You can use Affirm to pay at major retailers and other companies,𝕴 in♒cluding:

• Adidas
• Best Buy
• Delta Vacations
• Expedia hotels and vacation packages
• Nectar Sleep
• Neiman Marcus
• Nike
• Peloton
• Poshmark
• Pottery Barn
• Purple
• Reverb
• Saks Fifth Avenue
• Target
• The RealReal
• ThredUP
• Walmart

Afterpay

Afterpay works with a 🌳variety of retailers, including healt﷽h and beauty, fitness, apparel, and jewelry stores. Here are some of the top retailers that accept Afterpay loans:

• Anthropologie
• Dillard’s
• Finish Line
• Houzz
• MAC Cosmetics
• The Container Store
• Tory Burch
• Ulta Beauty
• Urban Outfitters
• Wayfair

Four

Four works with different br🌳ands in the men’s, women’s, beauty, apparel, and accessori꧃es space. They include:

• Bellissimo Hats
• Fuller Brush Co.
• NOA
• Piccolina
• StixShift
• Timepieces International

Klarna

Klarna lets you b💛uy now, pay later anywhere online or with the Klarna app. The list of stores that accept Klarna includes:

• Adidas
• Bloomingdale’s
• Calvin Klein
• GameStop
• GUESS Factory
• H&M
• Journeys
• Lululemon
• Macy’s
• Reebok
• Sephora
• Stila
• Tommy Hilfiger

Sezzle

Sezzle partners with retailers that represent men’s, women’s, kids💮’, and beauty brands. Merchants that accept Sezzle as pay🌜ment include:

• Bass Pro Shops
• Bentley
• Brandless
• Itzy Ritzy
• Melt Cosmetics
• Monos
• Target
• UGG
  

Zip

With Zip, you can use point-of-sale installment loans to make purchases at these retail🍃ers and other compan𓆉ies:

• Airbnb
• Alternative Airlines
• Away Travel
• Best Buy
  
• Clear
• Electronic Express
• Fashion Nova
  
• Guitar Center
• Goodyear
• Liftopia
• Sam's Club
• Sonder
  
• World Market

Buy Now, Pay Later vs. In-Store Financing

Bu🔯y now, pay later financ✨ing isn’t the only way to pay for purchases over time. Many stores offer their own in-store financing plans.

These typically fall under the umbrella of 澳洲幸运5开奖号码历史查询:deferred-interest financing arrangements. With this type of payment plan, you can make a purchase and pay no interest for a set time period, using a 澳洲幸运5开奖号码历史查询:store credit card. At the end of the period, any interest that would otherwise have accrued will come due if you haven’t paid the balance in full.

Though buy now, pay later 🏅financing plans generally allow 𝔍you to spread payments across four or six installments, deferred-interest financing may give you 12 to 24 months or even longer to pay. Between the two, deferred-interest payments might make sense if you’re making a large purchase and want to spread the payments out.

With point-of-sale 澳洲幸运5开奖号码历史查询:installment loans, you may pay no interest on the purchase. Deferred-interest plans, on the other hand, can become expensive if you don’t pay ওthe balance in full before the promotional period ends. Even if you only have a small balance remaining, you could be responsible for paying interest on the entire starting balance.

Buy Now, Pay Later vs. Credit Cards

If a store doesn’t accept buy now, pay later as a payment option, consider using a 澳洲幸运5开奖号码历史查询:credit card instead. Many credit cards offer benefits t🤡hat buy now, pay later plans do not.

For instance, you may be able to earn points, miles, or 澳洲幸运5开奖号码历史查询:cash back when shopping online or in a store, using a rewards credit card. Credit cards may also charge zero interest if you take advantage of a 0% introductory purchase 澳洲幸运5开奖号码历史查询:annual percentage rate (APR) offer. And you won🌠’t💧 owe any interest if you can pay your monthly balance in full.

You also have longer to pay off charges with a credit card, as opposed to four to six installment payments with a point-of-sale loan. But if you’re racking up interest each month, then carrying a balance can be costly. So before buying with either payment method, consider how long it will ta🐈ke youꦦ to pay it off.

The Bottom Line

More retailers are beginning to accept buy now, pay later as a payment option. But before agreeing to one of these point-of-sale installment loans, make sure you know how many payments you’ll have to make, the amount of each payment, and whether interest will accrue. You may also want to consider alternatives, such as using a credit or 澳洲幸运5开奖号码历史查询:debit card or simply paying cash.