buy pay christmas presents

Buy now pay later christmas presents

Christmastime can be expensive during a normal year, but with the past two years we’ve had, it can get even harder to afford Christmas.

If you don’t want to rack up credit card debt and pay the price all next year, you may think about buy now pay later Christmas presents.

Here’s everything you must know about the program and how it works.

How Does Buy Now Pay Later Christmas Presents Work?

As the name suggests, if you buy now pay later Christmas presents, you take the presents home now, wrap them and gift them. You pay for them over time, though, just not as long as a credit card.

Most BNPL plans split the cost into 4 equal installments. You make the first installment at checkout and the remaining three every 2 weeks. For example, if you bought a $100 gift, you’d pay $25 today, and then $25 every two weeks until it’s paid off.

You must link your debit or credit card to the plan, though. They will automatically withdraw or charge the payment. If you link your credit card, make sure you pay it off right away to avoid interest charges.

What to Look for in Buy Now Pay Later Plans

You’ll find that many stores offer to buy now pay later plans for Christmas gifts. You may see payment options from:

Affirm
Afterpay
Klarna
Sezzle

Each of these buys now pay later companies. Each company operates a little differently but with the same premise. You pay 25% of the purchase price upfront, take the item with you, and pay the rest in 3 more equal installments.

You may come across other plans as well, and if you do, make sure you look at the following:

Payment terms – Don’t assume every BNPL plan offers 4 equal installment payments with no interest or fees. Read the fine print to make sure it won’t cost you anything to use the plan. Also, make sure you can afford the payments.

Interest – Typical BNPL plans don’t charge interest. If a plan charges interest, it may be because the terms are longer term than 4 installment payments. Make sure you’re aware of the payment terms and interest before taking the plan.

Fees – Most Pay in 4 plans don’t charge fees unless you miss a payment. If a company charges fees for the standard buy now pay later plan it can be a red flag, or expensive depending on what they charge.

What to Think about with Buy Now Pay Later Christmas Presents

Before you use the buy now pay later plan to buy Christmas presents, consider the following:

Are you buying only what you can afford and not spending more because you don’t have to pay for it now? Don’t go over budget.

Make sure you’re aware of the terms. Don’t just assume it’s affordable because you can pay it off over time. Look at the payments and the terms and make sure they’re acceptable.

Stick to your list and don’t buy anything else. It’s easy to buy anything you want because you aren’t paying for it right now. The payments will be due sooner than you think, though, so always stick to your list.

Final Thoughts

Buy now pay later Christmas presents may be just the relief you need this year. Use it wisely and only take on payments you can afford. If you use the plan correctly and pay the gifts off on time, you’ll be eligible to use the BNPL plan in the future too since a big part of the approval process relies on your past history.

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Abunda

Payment methods:

Klarna, ViaBill, PayPal, Acima

Abunda is the World's leading buy now, pay later marketplace. They enable straightforward payment plans on millions of products.

To buy Christmas gifts or not to buy Christmas gifts? If that is the question, Splitit has the answer—especially if you’re wondering how you’ll make it happen this year.

We’ve all been stretched in so many ways, but the joy of the holidays is like a light at the end of the tunnel. As you make your holiday gift lists, you might feel like your list is longer than your money. That’s when buy now pay later solutions help the most.

In this post, we’ll share some highly-rated buy now pay later online stores that offer deferred billing options. Have a budget in mind? No problem, stick to it while making payments on the Christmas gifts you handpick for your family and friends.

Here’s our online store list at-a-glance:

Virgin Pure—Innovatively purified water
Tent Box—Elevated tents that play nice with vehicles great and small
Echelon—At-home fitness support and equipment for all
Amalgam Collection—Scale model classic and luxury automobiles
Mobvoi—Tech-forward gear for optimal health and lifestyle
Impact—Dog crates that promote safety and comfort
Teqball—Soccer meets table tennis and transforms everything
Ace Marks—Unique, Italian-made luxury men’s shoes
Dreamcloud Sleep—A cool mattress with hot features

Want to know more about what these stores offer? Keep reading to check out our recommendations and learn more about the buy now pay later stores featured in this post.

10 Buy Now Pay Later Stores to Find Hot Christmas Gifts

Whether looking for last-minute Christmas gifts, or planning ahead, these stores have tons of options to help you find exactly what you’re looking for. We picked a few stores that may appeal to the many people in your life, from your carbon-footprint reducing bestie to your health conscious mom.

Happy shopping!

Christmas Gifts for the Earth Conscious: Virgin Pure

With a goal to make the planet healthier and reduce plastic waste, Virgin Pure launched filtered water systems in 2012. Instead of attaching equipment to pipes or faucets, Virgin Pure offers a modern water cooler with models that cater to home or office use. Known as WaterBars, these filtered water systems deliver boiling hot or ice cold water with the press of a button.

WaterBars dispense triple-filtered, UV-purified, treated water. The countertop units come with expert installation by Virgin Pure staff with the highest safety practices in place to protect your family or officemates.

Virgin Pure delivers across the UK.

Buy a WaterBar at Virgin Pure

Christmas Gifts for the Weekend Outdoor Warrior: TentBox

What’s not to like about TentBox? They plant one tree for every TentBox sold, take one minute to set up, and can hold up in any weather. If you are shopping for someone who loves roughing it in the mountains or off-the-grid backpacking, TentBox is an innovative way to sleep under the stars.

The tents are designed to rest on the roof of a car, SUV, truck, or van. There are three styles to choose from and if you can’t figure out which one is best, contact their customer service team. Oh, and bonus: there is an active TentBox community just in case you want to reach out to TentBox owners.

TentBox ships globally.

Buy Christmas gifts at TentBox

Christmas Gifts for Iron Men and Women: Echelon

Working out at home has never been better. Sowing to the health and fitness goals of those you love is one of the greatest actions you can take. With monthly payments, you can make it possible to deliver a dream gift this holiday season (or buy something for yourself).

Echelon has an array of bikes, rowers, a treadmill, and reflection mirrors that keep you connected to like-minded fitness enthusiasts while getting in shape at home. There are even app subscriptions you can use for personal training with Echelon equipment or compatible Apple or Android devices.

Echelon ships to the United States and Canada.

Shop for fitness gifts at Echelon

Christmas Gifts for the Model Car Enthusiast: Amalgam Collection

If you have a serious model car collector on your list, you must visit the Amalgam Collections online store. Browse models of Porsche, Ferrari, McLaren, and more. These models are made in multiple scales, but the most common are 1:8 and 1:18.

Looking for Bespoke models or commissioned pieces like this Bugatti Type 57SC Gangloff Cabriolet of 1929? Prefer looking at collections? Amalgam gives you the flexibility to find just the right model car. Amalgam has created scale models for iconic and luxury cars since 1995. The workmanship makes it hard to tell the difference between the model and the original.

Amalgam Collections ships globally.

Find the perfect model car gift at Amalgam Collection

Christmas Gifts for Tech Fans: Mobvoi

Mobvoi makes some of the smartest products we’ve ever seen. They are designed with AI features that seek to serve the wearer and provide the best experience. While smartwatch options abound in the marketplace, if you are shopping for a standout timepiece, you can’t skip Mobvoi.

The TicWatch comes in several styles and colors with features that monitor vitals and motivate smartwatch wearers to embrace a healthy lifestyle. Mobvoi also makes innovative wireless earphones including TicPods and TicKasa ANC noise cancelling headphones.

Mobvoi ships globally (excluding military bases).

Find great tech Christmas gifts at Mobvoi

Christmas Gifts for Dog Lovers: Impact

Buy a gift that keeps your loved one’s dog safe during travel or at home with an Impact dog crate. These products ship fully assembled, are made from 99% recycled material, and are made in the USA. Choose from different dog crate designs that cater to the needs of the choosiest fur baby.

Impact also has cool accessories to enhance the crate experience for dogs such as fans, Berber crate pads, and wheel carts for easier transport. Dogs can stay cool, comfortable, and stress-free when mobile or stationary. Ask about discounts for nonprofits, veterans, and first responders.

Impact ships globally.

Shop for fur baby Christmas gifts at Impact

Christmas Gifts for Sports Stars: Teqball

For those on your list who love a physical challenge, Teqball is a sport that combines table tennis and football (soccer) in an innovative way. It features a curved table where up to four players can serve a side of soccer ball to opponents in a fast-paced game.

Teqball was created in Hungary in 2012, and is steadily gaining popularity (2,000 players across 100+ countries). The sport requires no physical contact between players. It’s all about the momentum of the ball. Interested? Pay later on Teqball tables and enjoy a 24-month warranty.

Teqball ships worldwide.

Give the gift of sports, shop Teqball now

Christmas Gifts for the Sophisticated Shoe Lover: Ace Marks

At Ace Marks, no two pairs of shoes are alike. These handcrafted men’s dress shoes are Italian-made, dyed and burnished by hand, and bear the unique signature style of the artisan who made them. Shoes are made with 100% full grain calf leather, the most durable option to ensure shoe longevity.

If you want to buy a gift backed by four generations of experience, consider Ace Marks. From wingtips to sneakers, they’ve got every man on your list covered. And, since they use a direct-to-you model, it means you’ll get the best price possible.

Ace Marks ships globally.

Buy timeless shoes at Ace Marks

Christmas Gifts for All Seeking a Good Night’s Rest: Dreamcloud Sleep

Is there someone on your list that needs better rest (don’t we all)? You can be a hero by gifting them with a mattress from Dreamcloud. Every mattress comes with a 365-night trial and risk-free, lifetime warranty. This is the mattress you are looking for if you’ve heard your mom complain about being hot on memory foam mattresses.

Dreamcloud uses a multi-layer hybrid mattress design that combines memory foam, natural latex, pocketed coils, and a hand-stitched cashmere blend. Plus, it adds cooling technology for comfortable rest. Be sure to also check out Dreamcloud bases and bedding for a full-circle sleep experience.

DreamCloud ships across the contiguous United States, Hawaii and Alaska.

Buy the gift of silent nights with Dreamcloud Sleep

How Splitit Helps You Buy Stress-Free Christmas Gifts

When you choose Splitit at checkout as your payment option you unlock a deferred billing option that empowers you to pay later for high-quality products. Making payments over time helps you buy gifts that may cost more, but will last longer. It also takes away the stress of having a large bill up front.

Splitit makes it possible to shop now and pay over time in installments without interest, fees, or credit checks. If you have enough available credit on an existing Visa or Mastercard to cover your purchase, you are approved. No application needed.

So, choose your monthly spending budget, shop for your favorite people, and have confidence that your interest-free payment solution will run in the background while you enjoy watching your loved ones’ faces light up this holiday season. Learn more about Splitit so you can shop small and live big.