Want to support American-made products and spread out your payments? These 12 major U.S. retailers not only carry goods that are made or designed in the USA—they also offer Buy Now, Pay Later (BNPL) options to make budgeting easier. Whether you’re shopping for tools, clothes, tech, or home goods, these stores make it simple to pay over time.
Contents
1. Walmart
Walmart now partners exclusively with Klarna, offering flexible financing on both in-store and online purchases. Many of their home goods, groceries, and household essentials are sourced from American manufacturers.
Did you know that you can use EBT card SNAP benefits at Walmart?
2. Amazon
Amazon offers multiple BNPL choices including Affirm, PayPal Pay Later, and Klarna. You’ll find a wide selection of American-made items—especially in categories like tools, electronics, and books.
Did you know there are 17 different ways to make money on Amazon?
3. Target
Target accepts Affirm and Sezzle for online purchases, letting shoppers split payments on clothing, home goods, and decor—much of which includes American-made or designed brands.
Want to know what happens to Target’s clearance, overstock and returns? You can buy Target liquidation at Target salvage stores.
4. Best Buy
Best Buy partners with Affirm and PayPal Pay Later so you can finance your next tech upgrade. Many products—like Apple devices and select appliances—are U.S. designed or assembled.
If you are a reseller, Best Buy offers sales tax exemption.
5. Home Depot
From Milwaukee and DeWalt tools to DIY supplies, Home Depot supports American manufacturing. Shoppers can use Affirm and PayPal BNPL options to pay over time.
Save big on home improvements at Home Depot liquidation stores.
6. Macy’s
Macy’s offers Afterpay, Klarna, and Affirm at checkout, making it easy to finance fashion and home items. Look for brands like Ralph Lauren and Levi’s, which feature U.S. design and craftsmanship.
Save 90% off retail prices at Macy’s liquidation stores.
7. Kohl’s
At Kohl’s, you can pay later with Afterpay and PayPal Pay in 4. The store regularly features American brands like Champion and Sonoma Goods for Life.
8. Apple
Apple designs its products in California and offers financing through Affirm and Apple Card Monthly Installments. Many purchases are also eligible for PayPal Pay Later at checkout.
Here are 12 ways to save even more on Apple products.
9. Wayfair
Wayfair sells a wide variety of American-made furniture and décor. Use Klarna or Affirm at checkout to break up payments without interest (when eligible).
Wayfair is one of the best online arbitrage stores to shop for reselling.
10. Nike
Nike lets you split payments using Klarna, Afterpay, or PayPal Pay Later. Some Nike apparel and footwear are still made in the U.S., and all are designed here.
Save even more with these Nike shopping hacks from insider tips.
11. Gap
Gap and its family of brands (Old Navy, Banana Republic) support Afterpay, Sezzle, and PayPal Pay Later. Look for denim and basic tees made or finished in America.
12. Sephora
Sephora carries many U.S.-based beauty brands and lets customers use Klarna, Afterpay, and PayPal Pay Later for flexible payments on skincare and cosmetics.
Final Thoughts
Using Buy Now, Pay Later options can help you budget smarter—just make sure you understand the payment terms and don’t overspend. Shopping at these retailers supports American jobs and innovation while giving your wallet some breathing room.
