Sonya BatemanWhether you have great credit, shaky credit, or no credit, there are many places where you can use buy now, pay later programs to bring home a pair of sneakers, boots, dress shoes, or fashion shoes you want now and then pay for your purchase over time. Yes, it’s possible to get buy now, pay later shoes with no credit check. In this article, we’ll go over which shoe stores, websites, and catalogs can help you get buy now, pay later shoes and which ones don’t have buy now, pay later programs.
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Buy Now, Pay Later Shoe Stores (Sites, Catalogs)
In our list below, you can find options for buy now, pay later shoes online, in stores, and via catalogs. We’ve included information on whether a credit check is required, how to apply for shoe financing, and where to start shopping for your shoes. If you’re looking for buy now pay later Nike shoes or another brand name, we’ve listed some places that carry name brand shoes. Buy now, pay later shoes, no credit check necessary are also available.
When shopping from with a buy now, pay later payment plan or store credit card, you should be aware that your purchase will likely accrue interest, meaning the total cost of the item will be higher than buying it outright. Interest rates vary by payment option, but it’s important to know whether you can afford the installments and the total payoff amount before selecting a buy now, pay later option. Missed payments can damage your credit score and lead you to pay high late payment fees. If you’re unsure you can make the installment payments, consider instead saving up for your shoe purchase and paying for it in cash.
Designer Shoe Warehouse (DSW)
- Types of shoes sold: Designer footwear and athletic shoes for men, women, and children
- Buy now, pay later option: DSW Rewards Visa
- Credit requirements: Not disclosed by Comenity Capital Bank (the issuing bank)
- Down payment: None; first payment is due 30 days from the date of purchase
- Source: DSW Rewards Visa page
- See if you can get a student discount
- Apply for credit: You must be a member of DSW Rewards (free membership) to apply for the DSW Rewards Visa. If you’re not a member, create a DSW Rewards account and then sign in to your DSW Rewards account to complete the online application.
Gettington
- Types of shoes sold: All types of footwear — including name brand — for men, women, and children
- Buy now, pay later option: Gettington Credit
- Credit requirements: Fair to excellent
- Down payment: None; first payment is due 30 days from the date of purchase
- Source: Gettington Credit Account application (scroll down to view Terms & Conditions)
- Apply for credit: Complete the online Application for Gettington Credit
Macy’s
- Types of shoes sold: All types of footwear — including brand names — for men, women, and children
- Buy now, pay later option: Macy’s Credit Card
- Credit requirements: Fair to excellent
- Down payment: None; first payment is due 30 days from the date of purchase
- Source: Macy’s Credit Benefit Page
- Apply for credit: Fill out the Macy’s account application online
Mason Easy-Pay
- Types of shoes sold: Casual, dress, and athletic footwear for men, women, and children, including some brand names
- Buy now, pay later option: Mason Easy-Pay Credit
- Credit requirements: Fair to excellent
- Down payment: If you have a lower credit score, you may have to pay a small down payment at the time of purchase. Otherwise, the first payment is due 30 days from the purchase date.
- Source: Mason Easy-Pay Credit FAQs
- Apply for credit: After shopping online at Mason Easy-Pay, choose the “Mason Easy-Pay Credit” option at checkout to fill out the short application. Approval is typically instant, but some applications may take one business day to process.
- Shop for shoes at Mason Easy-Pay
Masseys
- Types of shoes sold: Casual, dress, and athletic footwear for men, women, and children, including some brand names
- Buy now, pay later option: Masseys Credit
- Credit requirements: Fair to excellent
- Down payment: If you have a lower credit score, you may have to pay a small down payment at the time of purchase. Otherwise, the first payment is due 30 days from the purchase date.
- Source: Masseys Credit Terms & Conditions
- Apply for credit: After shopping online at Masseys, choose the “Masseys Credit” option at checkout to fill out the short application. Approval is typically instant, but some applications may take one business day to process.
- Shop for shoes at Masseys
Midnight Velvet
- Types of shoes sold: Casual, dress, and athletic footwear for men and women, including some brand names
- Buy now, pay later option: Midnight Velvet Credit
- Credit requirements: Fair to excellent
- Down payment: If you have a lower credit score, you may have to pay a small down payment at the time of purchase. Otherwise, the first payment is due 30 days from the purchase date.
- Source: Midnight Velvet Credit page
- Apply for credit: After shopping online at Midnight Velvet, choose the “Midnight Velvet Credit” option at checkout to fill out the short application. Approval is typically instant, but some applications may take one business day to process.
- Shop for shoes at Midnight Velvet
QVC
- Types of shoes sold: Casual, dress, and athletic footwear for men, women, and children, including some brand names
- Buy now, pay later option: QCard
- Credit requirements: Good to excellent
- Down payment: None; first payment is due 30 days from the date of purchase
- Source: QVC QCard FAQs
- Apply for credit: Sign in to fill out the online QCard application (you must create a free QVC account to apply)
Seventh Avenue
- Types of shoes sold: Casual, dress, and athletic footwear for men, women, and children, including some brand names
- Buy now, pay later option: Seventh Avenue Credit
- Credit requirements: Fair to excellent
- Down payment: If you have a lower credit score, you may have to pay a small down payment at the time of purchase. Otherwise, the first payment is due 30 days from the purchase date.
- Source: Seventh Avenue Buy Now, Pay Later page
- Apply for credit: After shopping online at Seventh Avenue, choose the “Seventh Avenue Credit” option at checkout to fill out the short application. Approval is typically instant, but some applications may take one business day to process.
- Shop for shoes at Seventh Avenue
Stadium Goods
- Types of shoes sold: In-demand, high-end brand name athletic shoes and footwear
- Buy now, pay later option: Affirm
- Credit requirements: Most credit levels accepted, including bad credit or no credit
- Down payment: If you have a lower credit score, you may have to pay a small down payment at the time of purchase. Otherwise, the first payment is due 30 days from the purchase date.
- Source: Customer service representative
- Apply for credit: After shopping online at Stadium Goods, choose the “Seventh Avenue Credit” option at checkout to fill out the short application. Approval is instant.
- Shop for shoes at Stadium Goods
Stoneberry
- Types of shoes sold: Casual, dress, and athletic footwear for men, women, and children, including some brand names
- Buy now, pay later option: Stoneberry Credit
- Credit requirements: Fair to excellent
- Down payment: If you have a lower credit score, you may have to pay a small down payment at the time of purchase. Otherwise, the first payment is due 30 days from the purchase date.
- Source: Stoneberry Credit FAQs
- Apply for credit: After shopping online at Stoneberry, choose the “Stoneberry Credit” option at checkout to fill out the short application. Approval is typically instant, but some applications may take one business day to process.
- Shop for shoes at Stoneberry
Shoe Stores That Don’t Offer Buy Now Pay Later Financing
So you’re not left wondering, here are the popular shoe stores that don’t provide buy now, pay later financing for shoes:
- ALDO
- Baker’s
- Eastbay
- Famous Footwear
- Foot Locker
- Journeys
- Nine West
- OnlineShoes.com
- Payless
- Shoe Carnival
- Steve Madden
- Zappos.com
In Summary
While not all popular shoe stores offer buy now pay later financing, there are several stores, websites, and catalogs allow you to get the shoes you want now and pay for them over time. There are many options available for buy now, pay later shoe stores, some with no credit check required. When choosing a buy now, pay later option, be sure you can make the required installment payments to avoid paying late fees or damaging your credit.
Looking for more places to buy shoes? See our list of stores that let you buy shoes online and pick them up in store. For outfits to pair with your new shoes, see our list of buy now, pay later clothing brands.
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