30+ popular retailers offering buy now, pay later this holiday season

30 popular retailers offering buy now, pay later this holiday season

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Christmas is less than a month away, which means the holiday shopping season is well under way. Picking out the perfect gifts for everyone on your list can add up fast, however. According to Gallup, the average American will spend almost $900 on Christmas presents alone and the National Retail Federation predicts holiday spending could hit $859 billion in 2021.

Fortunately, you don't have to blow your budget shopping this December. While there are plenty of gifts under $100 you can scoop up for both kids and adults alike, many retailers are also offering buy now, pay later this year. The payment option allows you to pay in installments (rather than a lump sum). Here's what you need to know about buy now, pay later, plus more than 30 major retailers where it's available this holiday season.

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What is buy now, pay later?

Buy now, pay later allows you to space out your payments to help you budget while holiday shopping.

Buy now, pay later (BNPL) is a payment option that's become quite popular in 2021, with platforms like Affirm, Afterpay and Klarna popping up at retailers all across the country. Some retailers, like HSN and QVC, have their own in-house flexible payment options. Time reports that, since the pandemic, 45% of Americans say they've used a BNPL program at least once a month. 

Rather than paying for your entire purchase in one payment, you can space out your payments over a specific number of terms, typically aligned with paycheck cycles. This allows you to buy more without spending more upfront. Even better? Most BNPL programs are interest-free, making them more attractive than putting large purchases on a credit card. 

Retailers that offer buy now, pay later

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Prices were accurate at the time this article was published but may change over time.