More and more people are looking for quick and easy solutions to help spread the cost of large Amazon purchases such as laptop computers, TVs and electronics.
Amazon monthly payments can be a great way to make those big purchases more affordable but finding information on payment plans and eligible products can be difficult. In this guide we’ll answer some of the most frequently asked questions and show you how to buy now and pay later on Amazon.
Does Amazon Offer Monthly Payments?
Yes. While the retailer rarely promotes it, Amazon does offer monthly payments for eligible shoppers in the United States. We’re not sure why the company doesn’t shout about their payment plans but we are guessing they would prefer shoppers pay the full amount up front.
If you are logged into your Amazon account and are eligible for monthly payments then you will see an option to pay in 5 monthly payments at the right hand side of a product details page. The same place you would expect to see the buy button.
This example is for the All New Kindle which retails for $89.99 but can be purchased for $18.00 spread over 5 payments.
How do monthly payments work on Amazon?
Here are 5 steps to get started with Amazon monthly payments.
- Login to your Amazon account.
- Find an eligible monthly payments product.
- Select “5 monthly payments” option when adding your item to the cart or basket.
- At checkout you will see your first initial payment amount plus delivery which will be paid when your item is shipped.
- The remaining balance will be automatically charged to your credit card in equal payments. The next payment will be due 30 days after your item has been shipped. See below for payment dates.
What products are eligible for monthly payments?
Thousands of items are eligible for monthly payments but there is no easy way to find all of them. We recommend choosing the category you are interested in first and searching some of the most popular products. We have found that in most cases Amazon products such as the Amazon Echo, Amazon Kindle, Amazon Fire TV and Amazon Ring devices all have monthly payment options.
Another popular category for monthly payment items is laptops and computers. Because these items tend to be more expensive spreading the costs can be very useful. Amazon is a good option as there are no interest rates are fees to pay.
Laptops
There is a selection of amazon monthly payment laptops which can be hard to find. We have put together a list of laptops which are eligible for monthly payments. From high performance gaming laptops to everyday work laptops there is a range for every budget below.
| Product | Laptop Name | Price | Monthly Price |
|---|---|---|---|
 | Lenovo Chromebook Flex 5 13″ Laptop | $395 | $79 |
 | Microsoft Surface Pro X – 13″ Touch-Screen | $1,432 | $286 |
 | Razer Blade 15 Base Gaming Laptop | $1,599 | $320 |
 | ASUS Chromebook Flip C434 2-In-1 Laptop | $599 | $120 |
 | Dell Gaming G3 15 3500 | $1,141 | $228 |
 | Samsung Chromebook Plus V2 | $379 | $76 |
 | MSI GL65 Leopard Gaming Laptop | $1,320 | $264 |
 | Gigabyte AERO 15 OLED | $2,199 | $439 |
 | MSI Prestige 14 | $1,179 | $236 |
 | Google Pixelbook Go | $645 | $129 |
Exercise Equipment
| Product | Name | Price | Monthly Price |
|---|---|---|---|
 | Health & Fitness Folding Treadmill | $799 | $160 |
 | Body Power 2-in-1 Elliptical Stepper | $391 | $78 |
 | Marcy Folding Standard Weight Bench | $289 | $58 |
 | Saris CycleOps Zwift Smart Bike Trainer | $1399 | $280 |
 | HulkFit Multi-Function Power Cage | $303 | $60 |
Home & Kitchen Items
| Product | Name | Price | Monthly Price |
|---|---|---|---|
 | Shark AI Robot Vacuum | $379 | $76 |
 | Portable Air Conditioner | $329 | $66 |
 | Dyson V11 Torque Drive Cordless Vacuum Cleaner | $699 | $139 |
 | Alen BreatheSmart FLEX Air Purifier | $342 | $68 |
 | Bissell Pet Pro Carpet Cleaner | $249 | $50 |
Eligible Electronics
| Product | Product Name | Price | Monthly Price |
|---|---|---|---|
 | Samsung Galaxy A50 | $349 | $70 |
 | Bose Noise Cancelling Wireless Bluetooth Headphones | $379 | $75 |
 | ViewSonic 1080p Short Throw Projector | $749 | $150 |
 | Panasonic LUMIX FZ300 Long Zoom Digital Camera | $379 | $79 |
 | Sony X800H 75 Inch TV | $1,298 | $259 |
How to become eligible for amazon monthly payments
Unfortunately not everyone is eligible for monthly payments, however if you live in the United States and are already a regular Amazon shopper then chances are you can take advantage of payment plans.
According to the monthly payment terms and conditions, here are four key requirements you need in order to be eligible.
- You must reside in the United States of America.
- Your Amazon.com account must have been active for at least one year.
- You must have a valid credit card associated with your Amazon.com account.
- You must have a good payment history on Amazon.com.
Does Amazon check my credit history?
No, Amazon do not use a credit report or check to determine if you are eligible. This is good news as it means your credit score will not be affected regardless if you are eligible or not.
When do I have to make monthly payments to Amazon?
If you choose to pay by monthly payments, Amazon will split the cost of your purchase into 5 separate payments.
Your first payment will be on the shipment date of your product, however be prepared for this to be your purchase date. Your final payment will be 120 days (4 months) after the shipment date.
| Payment | Due Date |
|---|---|
| 1st Payment (initial payment) | Shipment Date |
| 2nd Payment | 30 Days from the Shipment Date |
| 3rd Payment | 60 Days from the Shipment Date |
| 4th Payment | 90 Days from the Shipment Date |
| 5th Payment | 120 Days from the Shipment Date |
Does Amazon charge interest for split payments?
No. Amazon makes it clear in their terms and conditions that they do not charge interest or fees.
What to do if you are not eligible?
If you have checked your eligibility and got the following message “at this time, your account is not eligible for monthly payments” then you are currently not eligible. We recommend you make some small purchases with Amazon and build up purchase history.
If you are a regular shopper on Amazon and believe this is a mistake then you may be able to change the eligibility of your account. We recommend reaching out to Amazon support where they can review your account. In some cases Amazon will change your account status to allow monthly instalments.
What other countries offer Amazon Monthly Payments?
Monthly payments are currently offered in United States of America, Canada and the United Kingdom (UK). More information can be found on international programmes on the respective Amazon websites local to each country.
Can I use Klarna on Amazon?
No, currently Amazon does not accept Klarna as a payment option on its website. However you can use the Klarna app to pay for purchases on Amazon. With the Klarna app you can use your Klarna card details to purchase any item on Amazon.
Can you use Afterpay on Amazon?
No. Amazon does no accept Afterpay as a payment option. Afterpay only works with a selection of stores and we do not believe Amazon will accept Afterypay anytime soon.
Does Amazon accept Quadpay?
Yes. You can use Quadpay to buy any item on Amazon and split the cost into 4 installments. You will need to repay all 4 installments in 6 weeks after purchase.
Hello, do amazon products that were eligible one day and then the next aren’t, do they come back to having the monthly payment option? How long does it take? Had a product on my cart for a day or two and now I noticed that they took off the option for that product but it is still available with other products?
My experience has been that the monthly payment items are completely random and very brief. The other day I was looking at cameras and saw that the Panasonic cameras had monthly payments. A few minutes later, that option was gone. Same thing when I was looking at stereo systems recently. The one I wanted was on monthly payments. One minute later, that option had been removed. A few days later, the option was back again, and a few minutes later, it was again removed. Very frustrating.
ive noticed recently (today) that if im signed out of my account there are monthly payments offered on a desktop computer, but once i sign in it disappears. ive got excellent credit through amazon and make purchases frequently, so i dont know why it’s doing that.
It usually depends on if it is “sold by and ships from Amazon” . I lost my ability before getting to make a purchase by missing a prime payment. They restored the ability exactly 1 year later.
Klarna does work with Amazon. Just used it 2 days ago myself.
I really wish they would add a tab for monthly payments. It’s almost like they don’t want you to know about it.
How did you get it to work? (Klarna on amazon) It will not work for mine.
How do I review what items I have on payment plan already?