Citizens Pay is a flexible, omnichannel lending solution designed to offer customers a shop-now-pay-later option. It provides an instant decision, enabling responsible purchasing with later payment options. This service partners with a variety of retailers to offer competitive rates and financing options, across a wide selection of brands in fitness, home improvement, and retail.
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How Does Citizens Pay Work?
The process of using Citizens Pay involves four easy steps: shopping in-store or online, going to checkout, choosing Citizens Pay and applying, and then completing the purchase. Moreover, Citizens Pay has a mobile app that helps manage your Line of Credit easily once it’s opened. This service offers financing for various products, including furniture, fitness equipment, fine jewelry, travel, and tech.
How Much Can I Borrow With Citizens Pay?
The borrowing amount with Citizens Pay depends on the customer’s credit history. Notably, checking eligibility for Citizens Pay involves a soft credit pull, which is only visible to the customer and doesn’t impact their credit score or visibility to other potential lenders.
To apply for a Citizens Pay Line of Credit, customers need to provide personal and financial information. After agreeing to the terms and conditions and submitting an application, a hard credit pull is used for the final credit decision, which may impact the customer’s credit score.
The term lengths for Citizens Pay vary by retailer and are displayed to approved customers based on their credit. Additionally, the Citizens Pay Line of Credit Online Service Portal provides a secure way to view account information, including credit summary, transaction history, and payment options, accessible via desktop or mobile devices.
What Retailers use Citizens Pay?
Several companies have partnered with Citizens Pay to offer flexible, buy-now-pay-later financing options to their customers. We recommend the following stores that accept Citizens Pay:
- BJ’s Wholesale Club: BJ’s Wholesale Club, a leading operator of membership warehouse clubs in the Eastern United States, has integrated Citizens Pay as a payment option. This allows members to finance purchases over $99, available for purchases made on BJs.com for delivery, buy online, pick up in-club, and curbside pickup. If you don’t have a BJ’s membership yet, click here for a discounted membership.
- Microsoft Store: Citizens Pay is available at Microsoft Store for orders with a minimum of $900, offering $0 down and no hidden fees. It provides a quick, convenient pre-approval process and the ability to apply the line of credit over multiple purchases, with repayment terms of 12 or 18 months.
- Best Buy: Best Buy offers financing through Citizens Pay for purchases starting from $550. The application process is instant, providing results in minutes.
- One Kings Lane: This online home goods retailer allows customers to finance their purchases in 3-36 equal monthly payments with no upfront cost. The minimum purchase amount to use Citizens Pay here is $100.
- Horizon Fitness: Horizon Fitness, known for its home fitness equipment, has chosen Citizens Pay for its organized and fault-free implementation process, which aligns with their sales growth and customer value goals.
- Appliances Connection has also integrated this financing option under the name Polished Pay by Citizens Pay. They offer a “Buy Now, Pay Later” program, which includes benefits such as 5% back and 0% APR for up to 12 months on certain purchases.
Their financing options vary, with 0% APR for 6 months followed by 29.99% APR for 18 months, or 0% APR for 12 months followed by 29.99% APR for 24 months. Additionally, they offer a 9.99% APR for 12, 24, or 36 months. These financing plans are available for orders over specific amounts, starting from $599 or $999, depending on the selected plan.
*The stores listed above may pay us a small commission at no extra cost to you if you purchase through our links. This is called affiliate marketing. Click here to learn more.
List of Citizens Pay Stores
These retailers highlight the growing trend of businesses offering flexible payment solutions to cater to the needs of modern consumers.
Are we missing any Citizens Pay stores? If so, please contact us for us to update the Citizens Pay stores list.
Citizens Pay Alternatives
If you by chance do not qualify for Citizens Pay, we recommend the following buy now pay later financing providers. Click the corresponding BNPL option to see which stores accept that method.
- Acima Leasing Stores
- Affirm Stores
- Afterpay Stores
- Bread Pay Stores
- Credit Key Stores
- Credova Stores
- FlexShopper Lease-to-Own
- Genesis Financial Solutions Stores
- Humm Stores
- Katapult Stores
- Klarna Stores
- Latitude Pay Stores
- Newpay Stores
- PayBright Stores
- Paytomorrow Stores
- Progressive Leasing Stores
- Sezzle Stores
- Snap Finance Stores
- Splitit Stores
- Uplift Travel Stores
- Zebit Stores
- Zip Stores
Conclusion
In conclusion, Citizens Pay has emerged as a significant player in the flexible payment solutions arena, catering to a diverse range of consumer needs. Through strategic partnerships with notable companies like BJ’s Wholesale Club, Microsoft Store, Best Buy, One Kings Lane, and Horizon Fitness, Citizens Pay has expanded its reach, offering consumers the convenience of buy-now-pay-later options.
This approach not only facilitates immediate access to desired products and services but also aligns with contemporary spending habits, emphasizing flexibility and financial control. The success of Citizens Pay reflects a broader shift in consumer finance, underscoring the importance of adaptable and customer-centric financial solutions in today’s market.
