If you need new apparel, shoes, or handbags and don’t have a credit card or are short on cash, you may consider using buy now pay later clothing sites. These websites allow you to get the dress or slacks you need and setup on a payment plan to pay the balance off at a date in the future.
You can get top name brands and even designer clothing from these sites. These company websites, though, go by different names and have different policies for extending credit.
1. Choose and charge clothing catalogs
Sites such as Ginny’s, Seventh Avenue, Chadwick’s, Woman Within, brand their offers as choose and charge. You still get products on credit but you will pay a monthly charge based on how much money you spend on the site.
The minimum monthly payment for these is usually around $20, which is low. There are interest fees and other associated charges applicable, as well, and it is important to read and understand the terms and conditions of each online shopping clothing catalog you apply for.
2. Clothing sites that offer buy now pay later accounts
If you are in the UK, you have many options, too. An example includes La Redoute, which has sister site’s such as ellos.co.uk. With La Redoute, you have access to the largest French mail order apparel business and can setup a buy now pay later credit account with them.
3. Bill Me Later offers buy now pay later clothing sites
Although choose and charge is a great way to pay for items, you are limited to that particular apparel site. You have more options if you use Bill Me Later.
Bill Me Later has a network of more than 500 retailers, which means you have a large selection of items to choose from — whether you want to get Guess jeans or designer handbags and shoes on credit.
Bill Me Later, also, allows you a minimum monthly payment — $2 — for the first 6 months. If you choose to pay off the full balance before 6 months, you will receive no interest.
Setting up for a Bill Me Later account through the PayPal site will require a brief credit check. If you have bad credit, or no credit score, you may not be OK and may not qualify.
If you do qualify, take a look at the volume of apparel, shoes, bags, and accessories websites you will be able to purchase from the follow retailers.
Bill Me Later clothing sites
|6pm.com||Foot Locker||Paige Premium Denium|
|7 For All Mankind||FootSmart||PayPal|
|Aerie by American Eagle||Gander MTN.||Piercing Pagoda|
|Aeropostale, Inc.||Guess||Product Express|
|American Eagle Outfitters||Guess by Marciano||Ralph Lauren|
|Babies “R” Us||HauteLook||SHI By Journeys|
|Calvin Klein, Inc.||JC Penny||ShoesGotSole.com|
|Charlotte Russe||Jos A. Bank||Sierra Trading Post|
|Club Monaco||Kenneth Cole||Speedo|
|Coldwater Creek||Kipling||The Sak|
|Dick’s Sporting Goods||Luggage Set Select||Under Armour|
|Eastern Mountain Sports||OnlineShoes.com||Zappos.com|
As you can see from the list, you have many options — especially if you have a PayPal account — to get the items you need and setup a deferred payment plan. There are options for handbags, sports apparel, mens suits, and womens shoes when you shop at qualified buy now pay later clothing sites that accept Bill Me Later.