Buy Now, Pay Later

Buy Now Pay Later Food Grocery Stores You Should Know About!

Grocery shopping is a must for every household, and buy now, pay later food grocery stores ensure that you never have to hold back while getting essentials for yourself!

What Will We Talk About Here?
  • Some prominent names in the list of buy now pay later food grocery stores include Walmart, Kroger’s, and Target.
  • Most of the stores provide special cards through which customer can opt for installment-based payments.
  • You need to be careful about terms and conditions put forward by each store.

…and Much More!

Buy Now, Pay Later Groceries No Credit Check

Many grocery stores and internet retailers now provide a “buy now, pay later” food option.

Since the list of options is pretty long, we’ve compiled a list of food grocery stores to help you find the right choice. Take a look! 

You might be interested in reading: Buy Now Pay Later Jewelry.


Target is most recognized for its payment options and for selling housewares, home decor, groceries, and other items under a Target-owned brand. It offers a buy now, pay later service to people with average to high credit scores.

  • Customers need Target RedCard for the instalment payment option.
  • You will save 5% every time you buy at Target with free delivery via Shipt.
  • You’ll get access to exclusive events, products, promotions, and free delivery on most items purchased on


Kroger is a retail corporation based in the United States of America. It rewards World Mastercard with a good credit history to let customers ease their payments with buy now and pay later. Delivery is available in most areas through InstaCart.

  • You get Two points for every dollar spent in Kroger-owned stores and fuel spots.
  • One point is rewarded for every dollar spent at all other companies.
  • $0.55 per gallon discount at Kroger fuel centres when using fuel points.


Walmart Inc. runs several hypermarkets, cheap department stores, and grocery stores. For clients seeking instalment payments, Walmart offers Rewards Card and Capital One Walmart Rewards Mastercard with a good credit score.

  • You can receive 1% to 5% cash back on purchases made at Walmart, including pickup and delivery.
  • The delivery option is available for buy now, pay later, and Walmart grocery shopping.
  • You have to check beforehand if delivery is possible to your area.

You might be interested in reading: Does Walmart Take Apple Pay?


It is a chain of membership-only big-box retail locations. Costco Anywhere Visa Card is accepted as payment with a good credit score if you wish to divide payments over time.

  • The delivery requires that you place a $35 minimum order.
  • You must be a warehouse club member to receive a Costco credit card.
  • It offers 2% cash back on all Costco purchases, 4% cash back on restaurants, travel and 1% on all other items.

Sam’s Club

 Owned by Walmart Inc., Sam’s Club is an American membership-only retail warehouse club. With Sam’s Club Mastercard credit, customers can buy now and pay later at all the stores.

  • Delivery is possible with Instacart and Shipt.
  • Your credit card can also be used as your membership card when purchasing.
  • You get 5% cashback on gas, 3% cashback on dining, and 1% cashback on everything else. 

Whole Foods Stores

Whole Foods offers items free of hydrogenated fats, artificial flavours, colours, and preservatives.

  • Through Amazon Rewards’ Visa Signature Card, customers can choose to pay for instalments.
  • At Amazon and Whole Foods, you’ll get 3% cash back plus 1% to 2% cash back anywhere else.
  • For Amazon Prime subscribers, the delivery option is open.

Amazon Fresh

It is a supermarket delivery service currently offered in most major cities across the United States. You can also take advantage of the eat now, pay later delivery offer here.

  • It accepts Amazon Rewards Visa Signature Card or Store Card
  • Amazon Fresh offers 1% to 5% back on purchases and 0% APR promotions for cardholders
  • Delivery is possible in selective areas only.


Figi’s Gallery offers home décor, bedding, housewares, jewellery, garden elements, buy-now-pay-later electronics, clothes, collectables, presents, and morFigi’sever; delivery can take up to five days.

  • Figi’s No-Interest CredFigi can be used to buy now and pay later
  • There is a credit check; however, Figi’s does not specify the minimum credit score.
  • There are no cash back or other advantages; three monthly payments are postponed with no interest.


Fingerhut is a website that sells “anything from furniture and bedding to jewelry and the latest technologies.” All purchases are made using a line of credit provided by the corporation, and clients must make monthly payments to repay their balances.

  • It accepts Advantage Credit Account and Fresh Start Installment Loan.
  • A credit check is required, but individuals who do not meet the criteria for an Advantage account will be evaluated for a Fresh Start account.
  • There will be no cash back and a fixed APR.

Home Shopping Network (HSN) has Deals and Special Values. You can shop for cosmetics, electronics, fashion, home decor, and more. It accepts FlexPay, but credit checks may be necessary for FlexPay orders.

  • There are no extra benefits, such as cashback,
  • However, you can pay over time with a monthly instalment plan and 0% interest.
  • Available delivery options include Standard, Express, Super Express, and Motor Freight.


QVC is a free-to-air television network in the United States that focuses on broadcast home shopping. You can get QCard with fair or superior credit, but a credit check is required.

  • QVC credit with five-installment easy pay for all purchases.
  • It offers special offers at HSN and Zulily.
  • All 50 states have access to this program.

The Swiss Colony

The Swiss Colony offers Petites Fours, Butter Toffee, Fruitcake, Cheese, Sausage, and other food gifts.

  • You can get Swiss Colony credit, but only after a credit check.
  • Charges vary depending on the total amount of your order and where you live.
  • There aren’t any extra benefits, such as cashback, but there isn’t an annual fee, which is a plus.

The Tender Filet

The Tender Filet’s online steak catalogues feature excellent aged beef hand-trimmed by experienced butchers for the leanest, most juicy cuts and then aged to perfection.

  • Shipping fees vary depending on the total value of your order and the shipping address.
  • Buy now, pay later option via Tender Filet Credit by the Swiss Colony. There is no minimum credit score requirement.
  • Although there are no cash-back offers, there is no yearly charge for the service.

The Wisconsin Cheeseman

The Wisconsin Cheeseman is the country’s leading food gift enterprise. Since then, it has added gourmet cheeses, sausages, chocolates, fruitcakes, and more.

  • Wisconsin Cheeseman Credit for instalment option comes with a credit check, but no minimum credit score requirement exists.
  • Shipping prices vary depending on the size and location of your item.
  • There is no annual fee and a variable APR as low as 6%.

The Bottom Line

Most grocery stores offer special cards to customers, through which they can use the buy now, pay later feature and other promotional perks, such as cashbacks and discounts.

Installment payments can make your life easier. However, make sure you clear the bills on time. Although some stores do not charge penalties for late payments, it still won’t look good on your credit history.

Frequently Asked Questions

Are there any buy now, pay later grocery apps I can use? 

Prominent BNPL apps include Afterpay, ZIP, the Sezzle, and Klarna, which let you shop for groceries and pay for installments.

What are the best buy now, pay later fast food options? 

You can shop for fast food via Door Dash delivery service, which accepts the buy now pay later feature.

Where are buy now pay later food grocery stores near me?

Most majority of the buy now pay later apps include a store locator feature that you can use to identify the closest grocery store that accepts BNPL.