Buy Now, Pay Later Clothes: 7 Brands & Stores (With Credit Check Info)

Buy now, pay later financing gives you the option to purchase clothing and pay for it later, often in multiple smaller payments. Typically, there is an interest-free period of six months to one year, during which you can pay off the items with no interest fees. However, be aware that it can become expensive if you’re unable to pay off your balance within the interest-free period. If you don’t pay off your purchase within the promotional term, you can face interest rates of up to 30% going back to the purchase date, along with late payment fees. In this case, you will end up paying much more than the item is worth.

Most companies will run a credit check before approving a buy now, pay later purchase. Your credit score gives these companies information about how likely you are to pay off the items on time (or how much of a risk you may be to the company). If a customer doesn’t provide the funds for the purchase, the company has lost money on the sale. For many of these companies, your credit score determines your Annual Percentage Rate (APR). The higher your credit score, the lower the APR; if your credit history is minimal or your score is low, you will be charged interest at a higher rate.

What We Recommend

For a clothing retailer that sells a wide variety of brands and has a reputation for flexible financing, consider shopping through Colony Brands. You have to apply for a store credit card to take advantage of its buy now, pay later financing, but it offers the most favorable financing terms and lowest APR and late payment fees of any store listed below.

If you prefer not to open a store credit card, you can also apply for buy now, pay later financing when you shop through one of Fingerhut’s various brands. It will run a credit check, but the company has a reputation for flexible financing even for those with poor credit.

The List

Below, we list the online clothing stores that offer buy now, pay later financing. Some retailers pair this financing option store credit card. The store credit card will offer either an interest-free or payment-free period, but it’s still best to check the full terms and conditions before applying. Keep in mind the APR, the length of the promotional period, and any annual or late fees associated with the credit card.

Other stores partner with a third-party financing company like Affirm or Klarna, which offer financing to buyers with poor credit. You must apply for these programs separately, but you can usually do this directly from a store’s checkout page. We’ve ordered the list below starting with the best overall options.

Colony Brands (Ashro, Midnight Velvet, Montgomery Ward, and Seventh Avenue)

• Selection: Colony owns several catalogs that sell clothing, all of which offer buy now, pay later options through store credit. You can find clothing and accessories for men, women, and children at these stores.
• Credit requirement: You have to apply for one of Colony’s store credit cards to take advantage of the buy now, pay later option. The terms and conditions are the same for all cards from Colony Brands. You will usually find out if you meet the requirements within 24 hours.
• APR for late payments: About 5% to 25%, plus late fees of up to $15
• Find out more or start shopping

Fingerhut (and Other Bluestem Brands Stores, Including Gettington)

• Selection: Fingerhut sells a wide variety of clothing for women, ranging from loungewear and athletic wear to business and formal attire. For men, you can find a selection of more casual clothes, including loungewear and coats. Fingerhut also sells casual clothing and school uniforms for children.
• Credit requirement: Fingerhut will run a credit check. The necessary credit score is not specified on the website.
• APR for late payments: About 30%, plus late fees up to $40
• Find out more or start shopping

Stoneberry

• Selection: Stoneberry sells casual and athletic clothing for men, women, and children. Stoneberry also has a selection of plus-size clothes.
• Credit requirement: Stoneberry will run a credit check, but doesn’t specify the score needed to qualify.
• APR for late payments: About 12% to 24%, with an additional late fee of up to $15
• Find out more or start shopping

Dillard’s

• Selection: Dillard’s sells designer clothing for women, men, and children; interest-free financing is available for men’s tailored clothing.
• Credit requirement: You have to apply for a Dillard’s credit card to take advantage of the buy now, pay later”option; special financing is only available for qualifying purchases, which include men’s tailored clothing. A required credit check is not specified on the website.
• APR for late payments: About 24% to 27%, plus late fees up to $37
• Find out more or start shopping

HSN (Home Shopping Network)

• Selection: HSN sells women’s casual and business attire, as well as pajamas and swimwear, often name brand.
• Credit requirement: HSN will run a credit check. The necessary credit score is not specified on the website; however, according to answers on the company’s FAQ page, the better your credit score, the lower your possible fees will be.
• APR for late payments: Around 30%, plus late fees up to $38
• Find out more or start shopping

QVC

• Selection: QVC has a specific section for buy now, pay later goods, including women’s clothing. QVC carries mostly business casual and athletic wear, including some name-brand items.
• Credit requirement: The company’s website states that “Easy Pay offers are subject to approval by QVC based on several factors, including item type, price, and payment history.” You must also have a major credit card to participate in Easy Pay.
• APR for late payments: About 30%, plus late fees up to $37
• Find out more or start shopping

ELOQUII

• Selection: Plus-size clothing for women in sizes 14 to 28
• Credit requirement: ELOQUII partners with Affirm financing which does run a credit check, but does not have a minimum credit score requirement.
• APR for late payments: Up to 30%; your interest rate will appear during the checkout process. Affirm does not charge late fees, and you can apply for its financing at checkout.
• Find out more or start shopping

Full Beauty Brands (Full Beauty, Jessica London, King Size, Roaman’s, and Woman Within)

• Selection: Full Beauty Brands sell a variety of plus-size clothing for women and big and tall sizes for men.
• Credit requirement: You have to apply for a Full Beauty or Full Beauty brand store credit card to take advantage of the buy now, pay later option; a required credit check is not specified on the website. Full Beauty Brands offer a 90-day deferred payment option.
• APR for late payments: Around 30%, plus late fees of up to $39
• Find out more or start shopping

Yours Clothing

• Selection: Yours Clothing offers plus-size clothing, lingerie, and accessories in sizes 14 to 34. The company is based in the U.K. but ships to over 100 locations, including the U.S.
• Credit requirement: Yours Clothing offers an option to pay later in partnership with the payment processor Klarna, which may run either a hard or soft credit check depending on whether you are pre-approved. There is no set minimum credit score.
• APR for late payments: Around 20%, plus late fees up to $35
• Find out more or start shopping

In Summary

Buy now, pay later options for clothing can allow you to acquire more expensive items without having to pay for them immediately. It also allows you to make clothing purchases you may not be able to afford in full right now. For an option with the widest clothing selection and most favorable financing options, consider opening a store credit card and shopping with buy now, pay later financing through Colony Brands. If you prefer not to open a credit card but still want access to this type of financing, Fingerhut is another good option with a variety of brands and a broad clothing selection. Buy now, pay later options may require you to apply for either a store credit card or a financing program, and your credit will be checked before you are approved. Be sure to understand the full terms of the program so you can avoid paying late fees and high interest rates.

For more about buy now, pay later shopping options, check out our article about buy now, pay later jewelry stores.