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It allows customers to take home items that they want or need right away, but don’t have the money to pay for in full at that moment.Buy now, pay later stores will often allow you an interest-free period in which you can pay off the total cost of the item you purchased with no additional interest or fees.See our other article on buy now, pay later clothing catalogs and stores for a few more stores.Furniture stores usually don’t have credit card-based buy now, pay later options.For even more buy now, pay later options, see our articles: Buy Now Pay Later Kids Catalogs and Stores (Clothes, Toys, etc) and Buy Now Pay Later Shoe Stores (Including Online): DSW, Macy’s, etc.

It’s a great way to pay in installments and, for some, a good opportunity to build credit.

Needless to say, paying off the item the interest-free payment period is the smart way to go; interest rates after the 0% APR (Annual Percentage Rate) period can be anywhere from 20 to 40%.

That means you may end up paying nearly half of the item’s original cost, just in interest.

Clothing stores often have store credit card as their buy now, pay later option, and we’ve written about several of them.

If you’re interested in credit card programs only, see our article on clothing store credit cards to consider.

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It’s a good idea to have a plan in place to pay off the item before purchasing it so you can avoid missed payments, late fees, interest accrual, and other repayment issues.

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