Buy Now, Pay Later Makeup: 23 Online & In-Store Options Listed

Buy Now, Pay Later Makeup Options

Makeup, especially high-end makeup, can quickly add up to a big expense. Rather than breaking the bank, you can purchase makeup using buy now, pay later financing at several online and brick-and-mortar retailers. Popular cosmetics retailers Sephora and Ulta Beauty have their own store-branded credit cards that you can apply for and use to make a purchase immediately; you’ll then make monthly payments on your account balance. Several department and retail stores have the same option. But, keep in mind, store credit cards usually carry high interest rates and often require a “hard” credit inquiry, which can affect your credit score. For non-credit finance options, try one of the online cosmetics retailers listed below like Beautylish, where your purchase total can be split into monthly payments; no credit check required.

Cosmetics Retailers (Online and In-Store)

Beauty Bay

Beauty Bay is an online cosmetics retailer based in the United Kingdom that sells a variety of makeup products, including foundations, bronzers, eyeshadow palettes, lipsticks, and brushes.

• Buy now, pay later option(s): Pay Later with Klarna; Klarna Financing is a Swedish payment service provider
• Credit requirements: A “soft” credit check is required
• Payment policy: If you’re approved for Pay Later with Klarna, you will have 14 to 30 days (depending on your country) from the time your order ships to provide payment.
• Interest/fees: Interest and fees may be assessed if you do not make your payment by the due date; amounts will vary.
• Source: Beauty Bay’s Klarna help page
• Apply by selecting Pay Later with Klarna at checkout when shopping on Beauty Bay’s website.

Beauty Cutie

Beauty Cutie is an online cosmetics retailer based in the United Kingdom that sells a variety of makeup products, including foundations, concealers, bronzers, eyeshadow palettes, lip tints, tools, and brushes.

• Buy now, pay later option(s): Pay Later and Slice It by Klarna
• Credit requirements: A soft credit check is required
• Payment policy: If you’re approved for Pay Later, you will have 14 to 30 days (depending on your country) from the time your order ships to provide payment. With Slice It, your total purchase price will be split into equal monthly payments, plus interest.
• Interest/fees: Pay Later and Slice It are subject to interest and late fees; rates vary
• Source: Beauty Cutie website; Beauty Cutie Klarna FAQ
• Apply by selecting Pay Later or Slice It at checkout when shopping on Beauty Cutie’s website.

Beautylish

Beautylish is an online cosmetics retailer that sells a variety of makeup products, including foundations, powders, concealers, eye palettes and sets, sprays, brushes, and tools.

• Buy now, pay later option(s): Flexible Payments
• Credit requirements: No credit check is required, but you must have either a credit or debit card that you can link for monthly payments.
• Payment policy: Your total purchase price will be split into monthly payments; the first payment is due at checkout. The number of required monthly payments will depend on the total amount of your order.
• Interest/fees: No interest or added fees
• Source: Beautylish Flexible Payments page
• How to use: Choose Pay with Flexible Payments at checkout and provide the credit or debit card you would like to use for future payments.

ColourPop

ColourPop is an online cosmetics retailer that sells a variety of makeup products, including foundations, blushes, and eyeshadow palettes.

• Buy now, pay later option(s): Installments by Afterpay (for U.S. customers only)
• Credit requirements: No credit check is required
• Payment policy: Your total purchase price will be split into four equal payments; the first payment is due at checkout.
• Interest/fees: Afterpay does not charge interest but late fees may be assessed. Keep in mind, if you use a credit card as your Afterpay payment method, you may incur interest charges on your credit card until the balance is paid off.
• Source: ColourPop Customer Care; Afterpay website
• How to use: Set up an Afterpay account with your preferred payment method, then choose Installments by Afterpay at checkout when shopping on ColourPop’s website.

Sephora

Sephora is an online and nationwide brick-and-mortar cosmetics retailer that sells a wide variety of makeup products, including foundations, concealers, powders, blushes, eyeshadow palettes, lipsticks, tools, brushes, and accessories.

• Buy now, pay later option(s):
  • Sephora Credit Card: Card can be used on Sephora.com and at Sephora stores, including stores located inside JCPenney
  • Sephora Visa: Card can be used anywhere Visa is accepted
• Credit requirements: A hard credit check is required for both cards
• Payment policy: Minimum monthly payments are required for both cards
• Interest/fees: Interest rates vary; fees will be incurred for late and returned payments
• Source: Sephora customer service representatives
• Apply in-store or online by signing in to your Sephora account or creating a new one. Comenity Bank, the issuing bank, will determine which card you are eligible for based on your application.

Ulta Beauty

Ulta Beauty is an online and nationwide brick-and-mortar cosmetics retailers that sells a wide variety of makeup products, including foundations, concealers, powders, eyeshadow palettes, lipsticks, tools, brushes, and accessories.

• Buy now, pay later option(s):
  • Ultamate Rewards Credit Card: Card can be used on Ulta purchases
  • Ultamate Rewards Mastercard: Card can be used anywhere Mastercard is accepted
• Credit requirements: A hard credit check is required for both cards
• Payment policy: Minimum monthly payments are required for both cards
• Interest/fees: Interest rates vary; fees will be incurred for late and returned payments
• Source: Ulta customer service representatives; Ulta Credit Card page
• Apply in-store or online by signing in to your Ulta account or creating a new one

See our related article for information on if Ulta really does free makeovers.

Department Stores

Bloomingdale’s

Bloomingdale’s sells a variety of makeup products — including high-end makeup — brushes, and tools. You can shop in stores or online.

• Buy now, pay later option(s):
  • Bloomingdale’s Credit Card: Card can only be used for Bloomingdale’s purchases
  • Bloomingdale’s American Express: Card can be used anywhere American Express is accepted
• Credit requirements: A hard credit inquiry is required for both cards
• Payment policy: Minimum monthly payments are required for both cards
• Interest/fees: Interest rates vary; fees will be incurred for late and returned payments
• Source: Bloomingdale’s customer service representatives
• Apply for a Bloomingdale’s credit card in-store with a valid government-issued photo ID or fill out a Bloomingdale’s online credit application. If you are approved for both the store credit card and the American Express card, you will be given the option to choose.

Dillard’s

Dillard’s sells a variety of makeup products — including high-end makeup — brushes, and tools. You can shop online and in stores.

• Buy now, pay later option(s):
  • Dillard’s Credit Card: Card can only be used for Dillard’s purchases
  • Dillard’s American Express: Card can be used anywhere American Express is accepted
• Credit requirements: A hard credit inquiry is required for both cards
• Payment policy: Minimum monthly payments are required for both cards
• Interest/fees: Interest rates vary; fees will be incurred for late and returned payments
• Source: Dillard’s customer service representative.
• Apply for a Dillard’s credit card in-store with a valid government-issued photo ID or fill out a Dillard’s online credit application. The bank will determine which card you are eligible for based on your credit.

JCPenney

JCPenney sells a variety of makeup products; select JCPenney locations have a Sephora in-store. You can shop online and in stores.

• Buy now, pay later option(s):
  • JCPenney Credit Card: Card can be used for JCPenney purchases and at Sephora stores located inside JCPenney
  • JCPenney Mastercard: Card can be used anywhere Mastercard is accepted
• Credit requirements: A hard credit check is required for both cards
• Payment policy: Minimum monthly payments are required for both cards
• Interest/fees: Interest rates vary; fees will be incurred for late and returned payments
• Source: JCPenney customer service representatives; Synchrony Bank customer service representatives
• Apply for a JCPenney store credit card in-store with a valid, government-issued photo ID or fill out a JCPenney online credit application. Application for the JCPenney Mastercard is by invitation only once you’ve reached a certain status with the JCPenney store credit card.

Kohl’s

Kohl’s sells a variety of makeup products, brushes, and cosmetic bags. You can shop online and in stores.

• Buy now, pay later option(s): Kohl’s Charge Card
• Credit requirements: A hard credit check is required
• Payment policy: Minimum monthly payments are required
• Interest/fees: Interest rates vary; fees will be incurred for late and returned payments
• Source: Kohl’s customer service representatives.
• Apply for a Kohl’s Charge Card in-store with a valid, government-issued photo ID or fill out a Kohl’s online credit application.

Lord & Taylor

Lord & Taylor sells a variety of makeup products — including high-end makeup — and brushes. You can shop in-stores or online.

• Buy now, pay later option(s): Lord & Taylor Credit Card
• Credit requirements: A hard credit inquiry is required
• Payment policy: Minimum monthly payments are required
• Interest/fees: Interest rates vary; fees will be incurred for late and returned payments
• Source: Lord & Taylor website; Capital One customer service representatives
• Apply for a Lord & Taylor credit card in-store with a valid, government-issued photo ID or fill out a Lord & Taylor online credit application.

Macy’s

Macy’s sells a variety of makeup products — including high-end makeup — and brushes. You can shop online and in stores.

• Buy now, pay later option(s):
  • Macy’s Card: Card can be used only for Macy’s purchases
  • Macy’s American Express: Card can be used anywhere American Express is accepted
• Credit requirements: A hard credit inquiry is required for both cards
• Payment policy: Minimum monthly payments are required for both cards
• Interest/fees: Interest rates vary; fees will be incurred for late and returned payments
• Source: Macy’s credit department customer service representatives
• Apply for a Macy’s credit card in-store with a valid, government-issued photo ID or fill out a Macy’s online credit application.

Neiman Marcus

Neiman Marcus sells a variety of makeup products — including high-end makeup — and brushes. You can shop online or in stores.

• Buy now, pay later option(s): Neiman Marcus Credit Card: Card can be used at Neiman Marcus, Last Call, Bergdorf Goodman, and Horchow
• Credit requirements: A hard credit inquiry is required
• Payment policy: Minimum monthly payments are required
• Interest/fees: Interest rates vary; fees will be incurred for late and returned payments
• Source: Neiman Marcus customer service representatives
• For information on your Neiman Marcus credit card approval odds, see our article.
• Apply for a Neiman Marcus credit card in-store with a valid, government-issued photo ID or fill out a Neiman Marcus online credit application.

Nordstrom

Nordstrom sells a variety of makeup products — including high-end makeup — and brushes. You can shop online and in stores.

• Buy now, pay later option(s):
  • Nordstrom Retail credit card: Card can be used for Nordstrom and Nordstrom Rack purchases
  • Nordstrom Visa credit card: Card can be used anywhere Visa is accepted
• Credit requirements: A hard credit inquiry is required for both cards
• Payment policy: Minimum monthly payments are required for both cards
• Interest/fees: Interest rates vary; fees will be incurred for late and returned payments
• Source: Nordstrom customer service representatives
• Apply for a Nordstrom credit card in-store with a valid, government-issued photo ID or fill out a Nordstrom online credit application.

Other Retailers

Amazon

Amazon sells a variety of makeup products, brushes, tools, and accessories. Amazon is online-only.

• Buy now, pay later option(s): Amazon Store Card
• Credit requirements: A hard credit inquiry is required
• Payment policy: Minimum monthly payments are required
• Interest/fees: Interest rates vary; fees will be incurred for late and returned payments. You do not have to be an Amazon Prime member to apply for the Amazon Store Card; however, Prime members earn 5% cash back on Amazon purchases. Prime membership is available through Amazon for $119 a year or $12.99 a month.
• Source: Amazon customer service representative; Synchrony Bank customer service representatives
• Apply

Fingerhut

Fingerhut sells a variety of makeup products, brushes, and accessories. Fingerhut is online-only.

• Buy now, pay later option(s):
  • The Fingerhut Advantage Credit Account: The Advantage account is a revolving credit account like a line of credit. You can make purchases at any time provided you have the available credit.
  • The Fingerhut FreshStart Credit Account: The FreshStart account is a credit account that is only good for one-time use. Once you have paid off your purchase, you can apply for another one-time use or revolving credit account.
• Credit requirements: A soft credit inquiry is required for both accounts
• Payment policy: Minimum monthly payments are required for both accounts
• Interest/fees: Interest rates vary; fees will be incurred for late and returned payments
• Source: Fingerhut website; Fingerhut customer service representatives
• Apply

Note: See our related research on the preapproval and application process for Fingerhut credit.

Gettington

Gettington sells a variety of makeup products, brushes, and accessories. Gettington is online-only.

• Buy now, pay later option(s): Gettington Credit Account
• Credit requirements: A soft credit check is required
• Payment policy: Minimum monthly payments are required
• Interest/fees: Interest rates vary; fees will be incurred for late and returned payments
• Source: Gettington website; Gettington customer service representatives
• Apply

HSN (Home Shopping Network)

HSN sells a variety of makeup products, brushes, and accessories. Shop HSN by phone or online at HSN.com.

• Buy now, pay later option(s): HSN Card
• Credit requirements: A hard credit check is required
• Payment policy: Minimum monthly payments are required
• Interest/fees: Interest rates vary; fees will be incurred for late and returned payments
• Source: HSN customer service representatives
• Find out how to use the “shopping cart” trick to get an HSN credit card in our related article.
• Apply online by signing in to your HSN account or creating a new one.

Overstock

Overstock sells a variety of makeup products, brushes, and accessories. Overstock is online-only.

• Buy now, pay later option(s): Overstock Store Credit Card
• Credit requirements: A soft credit inquiry is required
• Payment policy: Minimum monthly payments are required
• Interest/fees: If there is an interest-free promotional period, no interest will be charged until the promotional period ends. After that, interest rates vary. Fees will be incurred for late and returned payments.
• Source: Overstock customer service representatives; Comenity Bank customer service representatives
• Find out how to use the “shopping cart” trick to get an Overstock credit card in our related article.
• Apply online by signing into your Overstock account or creating a new one.

QVC

QVC sells a variety of makeup products, brushes, and accessories. Shop QVC by phone or online.

• Buy now, pay later option(s): QCard
• Credit requirements: A hard credit check is required
• Payment policy: Minimum monthly payments are required
• Interest/fees: Some items are eligible for an interest-free promotional period. After that, interest rates vary. Fees will be incurred for late and returned payments
• Source: QVC website; QVC customer service representatives; Synchrony Bank customer service representatives
• Apply

Stoneberry (including Masseys, Mason Easy Pay, and K. Jordan)

Stoneberry sells a variety of makeup products, cosmetic bags, and accessories. Stoneberry is online-only.

• Buy now, pay later option(s): Stoneberry Credit
• Credit requirements: A hard credit check is required
• Payment policy: Minimum monthly payments are required
• Interest/fees: Interest rates vary; fees may be incurred for late and returned payments
• Source: Stoneberry Credit FAQs; Stoneberry customer service representatives
• Apply by adding items to your cart and selecting Stoneberry Credit as your payment method. Upon completion, you will receive an order number; check back online or call customer service to find out if you were approved. The approval process can take up to 48 hours.

Target

Target sells a variety of makeup products, brushes, and accessories. You can shop in stores or online at Target.com.

• Buy now, pay later option(s): Target REDCard Credit Card
• Credit requirements: A hard credit check is required
• Payment policy: Minimum monthly payments are required
• Interest/fees: Interest rates vary; active military may receive a lower interest rate. Fees will be incurred for late and returned payments.
• Source: Target website; Target customer service representatives
• Apply for a Target REDCard in-store with a valid, government-issued photo ID or fill out a Target online credit application.

Walmart

Walmart sells a variety of makeup products, brushes, and accessories. You can shop online or in stores.

• Buy now, pay later option(s): Walmart Credit Card
• Credit requirements: A hard credit inquiry is required
• Payment policy: Minimum monthly payments are required
• Interest/fees: Interest rates vary; fees will be incurred for late and returned payments
• Source: Walmart website; Walmart customer service representatives
• Apply for a Walmart credit card in-store with a valid, government-issued photo ID or fill out a Walmart online credit application.