Toys are often not part of the general household budget. The good news is, there are several buy now, pay later toy stores to choose from. These stores give you the luxury of checking out with a minimal upfront cost and paying the rest over a specified period.
Whether it’s a highly requested new toy or getting your holiday shopping done early, you can now make your kids happier and wrap up your shopping list without paying a huge amount all at once.
Let’s look at some of the buy now pay later stores offering toys and this handy payment feature.
1. Toys “R” Us
Toys “R” Us is arguably the largest, if not the most popular toy store anywhere in the world. With over 1,500 stores across 35 countries, it’s easy to see how their colorful logo is easily recognizable wherever you go.
In the early 2000s, the toy giant launched its online layaway program which gave customers the option to make a 20% downpayment and pay off the rest within 90 days. However, the service has a $5 service charge.
With the store offering this pay later option for nearly all their merchandise, the holiday season has become easier and lighter on the pockets of consumers.
If you’d prefer an alternative, third-party providers like AfterPay are also an option. With AfterPay, you can enjoy the merchandise now and pay for it over six weeks interest-free.
Dreamworld is another top contender when it comes to toy selections for children. From Aussie souvenirs to plush tiger toys, this toy store has it all. While Dreamworld may not be as well-known in the US, it’s a fan-favorite for Australian shoppers.
Not only are its major stores located in one of the most attractive theme parks in Australia, but its partnership with AfterPay gives you a month and a half to pay. You can pay over time with even payments every two weeks.
3. Games World
A top choice for game lovers, Games World carries everything you need to have a good time. Whether it’s the latest Xbox or a challenging jigsaw puzzle, the store carries it!
While the company doesn’t offer in-store layaway or pay later programs, it does give you two buy now pay later options: AfterPay and ZipPay.
The payment options are impressive and are tailored for different kinds of shoppers. With AfterPay, you pay the same amount every two weeks for six weeks. With ZipPay, you pay $40 each month until your balance is paid off. However, ZipPay charges an additional $7.95 monthly fee for any unpaid balance after 60 days.
Whether you’re shopping for board games or classic trading cards, Gameology has it. The store focuses on offering mentally challenging board games and trading card games (TCGs) which makes it a popular choice for families and adults who grew up with games like Magic: The Gathering.
There are three choices when it comes to pay later programs: AfterPay, ZipPay, and LayBuy though none of them are directly hosted in-store.
5. Horizon Outlet
This family-oriented chain offers its very own credit-based system. The Horizon card makes shopping easy for members with low credit scores.
Using the card and making on-time payments can even help your credit score. Since the Horizon card functions mostly like a membership card, however, you won’t be able to use it outside of Horizon Outlet stores.
6. Bradford Exchange
Bradford Exchange carries a wide variety of collectibles. Luckily, they’ve made purchasing from them even easier with an in-store layaway program.
Buyers can avail of Bradford’s flexible zero-interest installment plans, choose a preferred payment method at checkout, and get billed monthly — all through the same platform.
What’s even more attractive is you’re backed by a 100% money-back guarantee even though your purchase is on layaway.
Catch is a giant online store carrying everything from flat-screen TVs to Barbie Dream Houses. To give its consumers the option to buy now and pay later, Catch teamed up with AfterPay.
Mechanics remain the same with the ability to split payments into four equal installments that are billed every two weeks.
8. Hobby Warehouse
Hobby Warehouse is a great choice for hobbyists. Its wide selection of collectibles and novelty items is unparalleled in the Australian market.
While their diverse catalog may be impressive, you can quickly rack up an equally awe-inducing bill. Due to market demand, Hobby Warehouse stores now accept ZipPay payments.
9. The Toy Shop
The Toy Shop is a staple when it comes to toy shopping The Entertainer, more commonly known as The Toy Shop, now accepts Klarna. Its unique system allows you to try out purchases for a period of 30 days.
If you decide you don’t like a certain item, you can return it without issue. While your payment is automatically collected over 3 installments, you’ll need to make an initial payment after the merchant confirms your order.
Similar to Horizon Outlet, Stoneberry also employs a credit-based card system for qualifying members. To qualify, you’ll need to fill out their pre-qualification form.
Once approved, you’re ready to shop! Keep in mind though that late payments may hurt your credit score.
Overall, there are many buy now pay later toy stores to choose from. Just keep an eye out for late fees and other additional charges that a third-party payment provider may bill you for. They each have different policies, fees, and ways of operating that may or may not affect your credit score.