Buy Now Pay Later option has made lives more accessible and sustainable in terms of financial management. If you are looking for Buy Now Pay Later Food, you are at the right place.

You might have heard of several Buy Now Pay Later options on various products, but this one right here is a basic necessity as food is quintessential, without question. 

Many grocery stores and online food stores offer a Buy Now Pay Later Food scheme. Most of these require a credit check, depending on every retail store’s term and policy. The payment options also vary; some require a store’s credit card, while others facilitate several payments options such as Sezzle, Afterpay, and Affirm. Buy Now Pay Later food option typically requires you to add the food items to the cart and choose the payment option during checkout, followed by a few basic questions as part of the application process. 

What Stores Offer Buy Now Pay Later Food No Credit Check?

Some of the Buy Now Pay Later food stores we managed to find are listed below: 

Buy Now Pay Later Grocery Stores                              Payment Option Payment Option Credit Required 
Costco Costco Anywhere Visa CardGood to excellent credit score 
Kroger Kroger REWARDS World Mastercard Fair credit score 
Sam’s Club Sam’s Club MastercardFair credit score 
TargetTarget RedCard Fair credit score 
WalmartWalmart Rewards CardFair credit score 
Whole Foods Amazon Rewards Visa Signature Card Good or excellent credit score 
Buy Now Pay Later Online Stores
HSNFlexPay Soft credit check 
Amazon Fresh Amazon Rewards Visa Signature Card Good or better credit 
Buy Now Pay Later Gourmet Food Services
Harry & DavidPayPal Credit Fair credit score 
Cheryl’s CookiesKlarna or PayPal CreditGood or better credit 
The Swiss ColonySwiss Colony CreditSoft credit check 
Figi’sFigi’s No-Interest Credit Minimum requirement not clear
Fingerhut Fingerhut Advantage Credit Account and FreshStart Installment LoanFair credit score 
QVCQ CardFair or better credit score 
The Tender Fillet Tender Filet Credit by The Swiss Colony Fair credit score 
The Wisconsin Cheeseman Wisconsin Cheeseman Credit Credit check required


Costco, one of the well-known retailers, offers a Buy Now Pay Later option for its customers where you can enjoy your purchase quickly.

It requires you to make a complete payment generally within six weeks of purchase and in 4 installments with the Zip (previously referred to as the Quadpay). 

You will, however, have to pay a 25% upfront cost, and the rest can be paid later on. In addition to this, you can earn a cashback of 2% on all Costco purchases. At the same time, the food purchase from Costco facilitates you with a 4% cashback. You can get your groceries without having to worry much about your credit score. 


Another place to shop for healthier and delicious snacks is Kroger. To help you improve your lifestyle, Kroger grocery store offers several products such as a gluten-free plant-based diet, natural and organic meat. While purchasing such things can get expensive, Kroger provides you with a Buy Now Pay Later food scheme. 

It requires a fair or better credit for you to be eligible for this scheme and you can avail of this option via your Kroger REWARDS World Mastercard. 

It offers two reward points for all the Kroger store purchases to your delight. You can shop at low prices and enjoy online order placement with the delivery of groceries at your doorstep. 

Sam’s Club

Sam’s Club is one of the membership program stores offering its customers fresh food and several other assortments. To purchase the Buy Now Pay Later option, you must have a Sam’s Club Credit Card. It works differently for every category you shop from. 

Sam’s Club has two memberships for its customers, whatever they opt for. One is the Sam’s Club Member, and the other is Sam’s Plus. 

You can get a 5% cashback on the fueling, while on the dining and travel, you are offered a cashback of 3%. Well, this is not the end! Sam’s Club also entertains the Care Credit, which you can use to purchase any medical-related items such as supplements, medicines, and whatnot. Sam’s Club also provides home delivery of products purchased in partnership with Instacart. 


Target RedCard is a key for you to purchase items and pay for them later as per the criteria set by the store. It is undoubtedly one of the top choices for customers to shop for high-quality products. You can get your groceries from here at a very reasonable and manageable cost. 

Note that Target now also accepts payment through Sezzle and Affirm. With Sezzle, you can pay back the amount in four easy installments, while with Affirm, make sure that purchase is above $100. 

Target does not perform a rigorous check of your credit score, and so it does not have much of an impact on it. You need to have fair or better credit to qualify and shop without straining your budget. Once selected, you can earn at least 5% cashback while shopping at Target. 

Target store also provides a home-delivery of products through Shipt. 

Amazon Fresh

At Amazon Fresh, you can shop for daily essentials and groceries. It also has a Whole Foods Market where you can get a wide range of greengrocery and staples at such reasonable prices. You need to have an Amazon Rewards Visa Signature Card. If not, you can always use an Store Card to avail of the Buy Now Pay Later option. 

All the cardholders can enjoy a 1% to a maximum of 5% cashback on their purchases. Amazon Fresh requires you to have a good credit score to get a Visa Signature Card. 

Become a prime member at Amazon Fresh and enjoy the additional benefits such as free home delivery, extra 10% off sale items, and numerous other deals to make your grocery shopping more economical with better financial management. 

You can also get a $75 gift card with Amazon Fresh, which lets you make several purchases. 


The Fingerhut is another option that we have on our list for your sustainable and budget-friendly grocery shopping. You can use Fingerhut Advantage Credit Account while applying online. If not, then there is an alternative of FreshStart Installment Loan if you fail to qualify for the former account. 

Unlike many other food stores, Fingerhut does not offer you a cashback. 

You can purchase a variety of food items, fresh vegetables, baking ingredients, condiments, and so much more from here. Moreover, it is one of the few grocery store that take Apple Pay. Fingerhut is undoubtedly a trustworthy platform to support you with their Buy Now Pay Later option and help you sort your purchases accordingly. It requires no down payment and very flexible monthly installments

You can get delivery at select locations; however, the prices range from one area to the other. 

The Tender Filet

As the name suggests, The Tender Filet is a perfect hotspot for fresh meat and seafood items. The payment plan at Tinder Fillet is offered by The Swiss Colony and is quite pliable for all the customers. They have low monthly payments, and the application process is no hard trick. You are approved in the quickest possible way and can continue to shop for your preferred items. 

It only asks for a $10 monthly payment and helps you earn higher limits if payments are made on time. 

The Tender Fillet does ask for your credit score; however, they have not disclosed the minimum score required to qualify for Buy Now Pay Later option. They have a convenient credit plan with zero annual fees but and no cashback offers

It also offers shipping at home, but the costs vary with location. 

Other Buy Now Pay Later Gourmet Food Services

Here we have mentioned some of more gourmet food services where you can attain high quality and exquisite food items at a very cost-effective price:

  1. Chicago Steak House
  2. 1-800-Baskets 
  3. Cost Plus World Market 
  4. Edible Arrangements
  5. The Popcorn Factory
  6. Fruit Bouquets 
  7. Fannie May
  8. Wine Enthusiast 
  9. My M&M’s
  10. Asian Food Grocer 
  11. Shari’s Berries 

Before You Go!

Buying groceries can be expensive when you already have a hard time managing your daily finances, and it is not strange to think that the thought of sleeping hungry has not crossed your mind. These Buy Now Pay Later food stores have catered to millions of customers struggling with such problems.

Various online retailers offer this pay later option and help you enjoy your meal in peace with their flexible and low monthly payments. Be it fresh vegetables or flesh, and you can purchase any available items. These stores, however, require either a soft or hard credit check before accepting your application; but the process itself isn’t challenging as it seems to be. 

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