Buy Now
Pay Later

Pay For Purchases Over Time With Regular
Monthly Installments That Match Your Budget.

Apply and Qualify in Seconds

Answer a few short questions and get an instant decision.

Financing as low as 0% APR

We’ll match you to the best offer.

No Surprises

Simple and straight forward financing. No hidden fees. You’ll know exactly how much you owe and how much to pay each month.


Select your products and add them to your cart

At checkout, select “Checkout Finance” to apply

Select the financing offer that works best for you*

Pay over time in monthly installments

*based on approval. Not all applicants are approved.

Get ready to upgrade with Citizens Pay.

Citizens Pay integrates seamlessly into your payment system. Improve conversion rates, increase average order values, acquire new customers and drive repeat beusiness.

Large Purchases with Low Monthly Payments

  • Quick and easy integration
  • Easy application process and instant credit decision
  • Financing as low as 0% APR
  • Terms as long as 36 months
  • Merchant specific line of credit for repeat purchases
  • Industry-leading customer service (0nline or via phone)

Click here for important information about rates and fees and to read the Citizens Line of Credit Agreement for full terms and conditions

Looking for Personalized Financing?

Apply Now


Have further questions?