澳洲幸运5官方开奖结果体彩网: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官方开奖结果体彩网:Afterpay, Klarna, and others.

What Is Buy Now, Pay Later?

Buy now, pay later is a type of short-term loan that can be us𒊎ed to 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官方开奖结果体彩网:one key difference: Rather than having to wait until they’ve made all the installment payments, consuඣmersౠ can get their purchases right away.

6 Major Buy Now, Pay Later Services and Parti꧅cipatℱing 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’re using. Here are how six buy now, pay lꦉater platforms compare in terms of where you can use each one.

Affirm

You can use Affirm to p🌞ay at major retailers and other companies, including:

• 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 va🎀riety of retailers, including health 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 diffe༒rent brands in the men’s, women’s, beauty, apparel, and accessor🧔ies space. They include:

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

Klarna

Klarna lets you buy now, pay later anywhere o𝕴nline 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 ꦡthat accept Sezzle as payment 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 mak🦩e purchases at these retailers and other companies:

• 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

Buy now, pay later financing isn’t the only way to pay for purchases over time. Many stores offer th🏅eir own in-store financing plans.

These typically fall under the umbrella of 澳洲幸运5官方开奖结果体彩网: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官方开奖结果体彩网: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 you 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 seﷺnse if you’re making a large purchase and want to spread the payments out.

With point-of-sale 澳洲幸运5官方开奖结果体彩网: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 the 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官方开奖结果体彩网:credit card💯 instead. Many credit cards offer benefits that buy now, pay later plans🐻 do not.

For instance, you may be able to earn points, miles, or 澳洲幸运5官方开奖结果体彩网: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官方开奖结果体彩网:annual percentage rate (APR) offer. And you won’t owe any intere꧋st if you can pay your monthly balance in full.

You also hav♒e longer to pay off chargeᩚᩚᩚᩚᩚᩚ⁤⁤⁤⁤ᩚ⁤⁤⁤⁤ᩚ⁤⁤⁤⁤ᩚ𒀱ᩚᩚᩚs 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 take you 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官方开奖结果体彩网:debit card or simply paying cash.