17 Buy Now, Pay Later Kids Catalogs and Stores (For Clothes, Toys, etc)

It’s a fact of life: whether it’s clothes, shoes, toys, or furniture, kids are always outgrowing things. When you need new gear for your kids, having buy now, pay later options can really help out your budget.

With buy now, pay later programs, you can get the kids’ items you need and pay for them over time. In most cases, you’ll pay interest in addition to the total purchase amount. However, many buy now, pay later financing plans have special introductory offers with no interest if you pay in full before the financing term ends.

Read on to find out where you can shop for buy now, pay later kids’ clothing, furniture, and toys through catalogs, online, or at a retail store near you — including options if you have poor credit or no credit. Buy now, pay later kids catalogs and stores and catalogs are readily available. Buy now, pay later kids clothes and more.

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Buy Now, Pay Later Kids’ Catalogs

The following stores offer free mailed catalogs with buy now, pay later financing for kids’ clothes and items. In some cases, you can also shop these stores online or in physical retail locations.

Buy Now, Pay Later Catalogs with Kids’ Clothing (and More)

Fingerhut

What Fingerhut sells for kids: Clothing, shoes, uniforms, baby gear, toys, furniture, and bedding
Buy now, pay later programs: Fingerhut Credit Line, Fingerhut FreshStart Loan
Credit level needed: Fair to excellent for credit line; bad credit/no credit typically approved for FreshStart loan
Deferred payment option: None
Down payment: First monthly payment due at time of purchase for credit line; minimum $30 down payment for FreshStart loan
Source: Fingerhut Terms and Conditions
How to apply: Fill out the WebBank/Fingerhut online application
Order a free Fingerhut catalog
Locations: Online only

Masseys

What Masseys sells for kids: Clothing, shoes, and backpacks
Buy now, pay later program: Masseys Credit
Credit level needed: Fair or better
Deferred payment option: Varies according to creditworthiness
Down payment: If you have lower credit, you may be required to make a down payment. For other accounts, the first payment is due 30 days from date of purchase.
Source: Masseys Credit Terms & Conditions
How to apply: Shop online at Masseys, and then choose “Masseys Credit” at checkout. Credit decisions are typically made instantly, although some applications may take up to one business day to process.
Order a free Masseys catalog
Locations: Online only
Shop now

Mason Easy-Pay

What Mason Easy-Pay sells for kids: Clothing, shoes, accessories, and school gear
Buy now, pay later program: Mason Easy-Pay Credit
Credit level needed: Fair or better
Deferred payment option: Varies according to creditworthiness
Down payment: If you have lower credit, you may be required to make a down payment. For other accounts, the first payment is due 30 days from date of purchase.
Source: Mason Easy-Pay Credit FAQs
How to apply: Shop online at Mason Easy-Pay, and then choose “Mason Easy-Pay Credit” at checkout. Credit decisions are typically made instantly, although some applications may take up to one business day to process.
Order a free Mason Easy-Pay catalog
Locations: Online only
Shop now

Montgomery Ward

What Montgomery Ward sells for kids: Clothing, shoes, toys, and furniture
Buy now, pay later program: Wards Credit
Credit level needed: Fair or better
Deferred payment option: Varies according to creditworthiness
Down payment: If you have lower credit, you may be required to make a down payment. For other accounts, the first payment is due 30 days from date of purchase.
Source: Wards Credit page and customer service representative
How to apply: Shop online at Montgomery Ward, and then choose “Wards Credit” at checkout. Credit decisions are typically made instantly, although some applications may take up to one business day to process.
Order a free Montgomery Ward catalog
Locations: Online only
Shop now

Seventh Avenue

What Seventh Avenue sells for kids: Clothing, shoes, swimwear, toys, gear, and furniture
Buy now, pay later program: Seventh Avenue Credit
Credit level needed: Fair or better
Deferred payment option: Varies according to creditworthiness
Down payment: If you have lower credit, you may be required to make a down payment. For other accounts, the first payment is due 30 days from date of purchase.
Source: Seventh Avenue Buy Now, Pay Later page
How to apply: Shop online at Seventh Avenue, and then choose “Seventh Avenue Credit” at checkout. Credit decisions are typically made instantly, although some applications may take up to one business day to process.
Order a free Seventh Avenue catalog
Locations: Online only
Shop now

Stoneberry

What Stoneberry sells for kids: Clothing, shoes, baby gear, toys, and furniture
Buy now, pay later program: Stoneberry Credit
Credit level needed: Fair or better
Deferred payment options: Varies according to creditworthiness
Down payment: If you have lower credit, you may be required to make a down payment. For other accounts, the first payment is due 30 days from date of purchase.
Source: Stoneberry Credit FAQs
How to apply: Shop online at Stoneberry, and then choose “Stoneberry Credit” at checkout. Credit decisions are typically made instantly, although some applications may take up to one business day to process.
Order a free Stoneberry catalog
Locations: Online only
Shop now

Buy Now, Pay Later Catalogs with Kids’ Toys and Furniture

Crate and Kids

What Crate and Kids sells for kids: Furniture, bedding, décor, toys, and gifts
Buy now, pay later program: Crate and Barrel Credit Card
Credit level needed: Not disclosed by the issuing bank (Comenity Capital Bank)
Deferred payment option: Yes; first payment is due 30 days from the date of purchase
Down payment: None
Source: Crate and Barrel Credit Card page (click on “Terms and Conditions” for details)
How to apply: Fill out the Crate and Barrel Credit Card Application online, or apply in-store at any location.
Order a free Crate and Kids catalog
Locations: CA, IL, MA, WA

Want to know when Crate and Barrel has sales? See our article for details.

Pottery Barn

What Pottery Barn sells for kids: Furniture, baby gear, bath and bedding, décor, toys, and gifts
Buy now, pay later program: Pottery Barn Kids Credit Card
Credit level needed: Not disclosed by the issuing bank (Comenity Capital Bank)
Deferred payment option: Yes; first payment is due 30 days from the date of purchase
Down payment: None
Source: Pottery Barn credit card page
How to apply: Fill out the Pottery Barn Kids Credit Account Application online, or apply in-store at any Pottery Barn location.
Order a free Pottery Barn catalog
Locations: Nationwide except for AK and HI

Buy Now, Pay Later Kids’ Stores (Retail and Online)

These retail and online stores don’t offer free catalogs but do offer buy now, pay later financing for a variety of children’s items, including clothing and shoes, kids’ furniture, and toys.

Buy Now, Pay Later Stores with Kids’ Clothes (and More)

Boscov’s

What Boscov’s sells for kids: Clothing, shoes, accessories, décor, and furniture
Buy now, pay later program: Boscov’s Credit Card
Credit level needed: Not disclosed by the issuing bank (Comenity Capital Bank)
Deferred payment option: Yes; first payment is due 30 days from the date of purchase
Down payment: None
How to apply: Fill out the Boscov’s credit card application online, or apply in-store at any Boscov’s location.
Locations: CT, DE, MD, NJ, NY, OH, PA
Source: Boscov’s Credit Card Home page (click on “Boscov’s Rewards Terms and Conditions” for details)

Gap

What Gap sells for kids: Clothing, shoes, and accessories
Buy now, pay later program: GapCard (can also be used at Old Navy, Banana Republic, and Athleta retail and online stores)
Credit level needed: Fair or better
Deferred payment option: Yes; first payment is due 30 days from the date of purchase
Down payment: None
Source: Gap/Synchrony Bank Terms and Conditions
How to apply: Fill out the GapCard application online, or apply in-store at any Gap location.
Locations: Nationwide

Gettington

What Gettington sells for kids: Clothing, shoes, baby gear, toys, and furniture
Buy now, pay later program: Gettington Credit
Credit level needed: Fair or better
Deferred payment option: No
Down payment: First monthly payment is due at time of purchase
Source: Gettington Credit Account application (scroll down to view Terms & Conditions)
How to apply: Fill out the Application for Gettington Credit online
Locations: Online only

Kmart

What Kmart sells for kids: Clothing, shoes, accessories, baby gear, toys, and furniture
Buy now, pay later options: Kmart Leasing
Credit level needed: No credit check required. To qualify, you must be 18 or older with a valid Social Security number, driver’s license or government-issued ID, and earn at least $1,000 per month.
Deferred payment option: None
Down payment: First payment due at time of purchase
Source: Kmart Leasing page
How to apply: Fill out the online Sears LeaseIt application or apply in-store at any Kmart location.
Locations: Nationwide

Old Navy

What Old Navy sells for kids: Clothing, shoes, and accessories
Buy now, pay later program: Old Navy Card (can also be used at Gap, Banana Republic, and Athleta retail and online stores)
Credit level needed: Fair or better
Deferred payment options: Yes; first payment is due 30 days from the date of purchase
Down payment: None
Source: Gap Inc./Old Navy Terms and Conditions
How to apply: Fill out the Old Navy Card application online, or apply in-store at any Old Navy location.
Locations: Nationwide

Sears

What Sears sells for kids: Clothing, shoes, accessories, baby gear, toys, and furniture
Buy now, pay later program: Sears Leasing
Credit level needed: No credit check required. To qualify, you must be 18 or older with a valid Social Security number, driver’s license or government-issued ID, and earn at least $1,000 per month.
Deferred payment option: None
Down payment: First payment due at time of purchase
Source: Sears Leasing page
How to apply: Fill out the online Sears LeaseIt application or apply in-store at any Sears location.
Locations: Nationwide

The Children’s Place

What The Children’s Place sells for kids: Clothing, shoes, and accessories
Buy now, pay later program: My Place Rewards Credit Card
Credit level needed: Not disclosed by issuing bank (Comenity Capital Bank)
Deferred payment option: Yes; first payment is due 30 days after date of purchase
Down payment: None
Source: The Children’s Place card offer page
How to apply: Fill out the My Place Rewards Credit Card application online, or in-store at any The Children’s Place location.
Locations: Nationwide except for AK and HI

Buy Now, Pay Later Stores with Kids’ Toys and Furniture

Wayfair

What Wayfair sells for kids: Furniture, décor, and outdoor toys
Buy now, pay later program: Buy Now, Pay Later with Affirm
Credit level needed: Most shoppers are approved, including those with bad credit or no credit
Deferred payment option: Varies according to creditworthiness
Down payment: Customers with lower credit may be required to make a down payment. For other accounts, the first payment is due 30 days from date of purchase.
How to apply: Shop the Wayfair website and choose the “Financing with Affirm” option at checkout.
Locations: Online only
Source: Wayfair Buy Now, Pay Later with Affirm page
Shop now

Walmart owns Wayfair, so many readers have wondered if they can simply return products to Walmart. Here’s our article about returning Wayfair items to Walmart.

In Summary

Buy now, pay later kids’ clothing, toy, and furniture financing can be a great option for any parent looking to stretch their budget. You can take home the items you need right away, and then pay for them over time — even if you don’t have the best credit record. With many kids’ catalogs and stores offering buy now, pay later financing, you’re sure to find the right choice for you and your family.

Ready to buy something nice for the adults? Here’s the list of buy now, pay later jewelry stores with easy credit approval.