Buy now, pay later (BNPL) schemes have become an increasingly popular way to buy everything from clothes to technology, and now you can even enjoy sex toys, buy now, pay later.
Let’s face it, when you want a sex toy, you want it now, not months from now! BNLP makes the world of sex toys more accessible by allowing you to spread payments.
Today I’m sharing my best places to buy sex toys, buy now, pay later, and all the options they have available.
I will also explain a little more about how BNPL works.
Here is everything you will find in this post:
Where to Get Sex Toys Buy Now Pay Later
As always, I recommend only buying from trusted and reputable stores so you know you are buying a genuine, quality sex toy.
Here are some of my favorite sex toy stores and their BNPL options.
Table: Overview of Sex Toy Stores Buy Now Pay Later
Here’s a quick table, so you can see an overview of where you can buy sex toys, buy now, pay later!
I have explained each one in more detail below.
I’ve also included some juicy discount coupons so you can get an even better deal!
My top online stores with Now Pay Later sex toys:
love honey
Lovehoney offers two buy now, pay later options that allow you to pay a portion of the price at checkout and split the rest of the payments.
PayPal Pay later / Pay in 4
Paying in 4 divides the total cost into four equal payments spread over 6 weeks. The first payment is made when you place the order and then the other three payments are paid in two-week intervals. You must have a PayPal account and be 18 years or older to use this option and availability may vary in different states.
Learn more about how to use Pay in 4 when shopping at Lovehoney
Klarna
Klarna is a popular third-party buy now, pay later lender that also lets you split your Lovehoney purchase into four smaller payments. Similarly, the first payment is made when placing the order and then 2 weeks, 4 weeks and 6 weeks later.
You must also be 18 years old, but unlike PayPal, each request is evaluated on a case-by-case basis. For your Klarna application to be approved, you must meet some requirements, including a financial assessment. You can also rest assured that as long as you make your payments on time, using Klarna won’t affect your credit score.
Lovehoney discount coupon
Enjoy 10% off your Lovehoney purchase with our Bedbible discount! Simply click the coupon below to reveal the code!
EllaVibe
SheVibe offers a wide range of buy now, pay later schemes including afterpay, Klarna, PayPal Pay Later and Sezzle. This makes it even easier to find the best option for you! Here’s a little more detail about each one.
later payment
This allows customers to purchase products and pay in four interest-free payments every two weeks, with the option of financing up to 12 months for orders over $400. To use AfterPay, you must be over 18 years old and live in the US. Applications must also meet other AfterPay eligibility criteria, including credit scores and other consumer reports.
There are no charges for using pay later as long as your payments are made on time, but you are subject to late payment fees.
Klarna
There are two different Klarna payment options available on SheVibe: a four-part payment plan and monthly financing. Both options are subject to approval by Klarna and can only be used in participating states by people over 18 years of age.
4 interest-free payments
Split your purchase into four and pay over the course of 6 weeks, with payments made automatically every two weeks. There are no commissions or added interest, as long as you are punctual with your payments.
Monthly Financing
Monthly financing with Klarna allows you to spread payments over longer periods of time, up to 24 months, with payments due once a month. This might be a better option for larger purchases, but it has additional interest, which can add a considerable amount to the total. Klarna states that “the annual percentage rate (APR) for purchases is between 7.99 and 33.99%.”
PayPal
SheVibe also has two different sex toy options with PayPal, buy now, pay later. Like Klarna, there is a short-term payment plan 4 and a credit plan for longer-term loans.
Pay in 4
“Pay in 4” is a PayPal service that allows consumers to make four interest-free payments every two weeks for purchases ranging from $30 to $1,500. It does not affect credit scores, but is subject to approval and is not available in certain states and US territories. A soft credit check may be required. Users must also be of legal age in their US state.
PayPal Credit
PayPal Credit offers special 6-month financing on purchases over $99, subject to credit approval. No interest is charged if the balance is paid within 6 months; otherwise, interest applies from the purchase date. Minimum payments required. Variable purchase APR is 23.99% as of 3/1/2022 and may vary based on market rates. Items under $99 are eligible for special financing if combined into a single transaction totaling $99 or more. However, you cannot combine separate transactions of less than $99 to meet the eligibility limit.
Sezz
Sezzle offers a buy now, pay later option where the cost is divided into four payments. Initially, 25% is paid, followed by three more installments every two weeks. There is no interest or upfront fees if payments are made on time. Sezzle pays merchants immediately, ensuring fast order processing. To use Sezzle, you must be at least 18 years old, have a US or Canadian phone number, a verifiable email address, and a non-prepaid payment method. Sezzle can perform a soft credit check, but this does not affect your credit score.
SheVibe discount code
Get 5% off your order at SheVibe with your Bedbible discount! Simply click the coupon to get your discount and start shopping!
pink cherry
Pink Cherry only lists Klarna and PayPal as express payment options, but does not offer any further details on what options are available within them.
Spectrum Boutique
Spectrum Boutique appears to offer only one buy now, pay later option, Quadpay, which has since changed its name to Zip. As with other short-term payment plans, payments are divided into four equal installments, two weeks apart. There is no interest if payments are made when due, but there are late payment charges.
AdamEve
AdamEve supports PayPal pay later options:
monthly PayPal It allows you to spread the cost over 6 or 12 months with equal payments over 6 months and a fixed APR from 9.99% to 35.99%, depending on your credit score. Requires credit approval and is not available in all states.
Pay in 4 Divide the payment into four equal amounts with payments spread over 6 weeks. It can be used on purchases between $30 and $1,500 and is evaluated based on a soft credit check.
PayPal Credit They can be used on orders of $99 or more and are interest-free, if the amount is paid in full within 6 months of the purchase date. It comes with a variable APR, which was 29.24% at the time of writing.
The warehouse
Furnishing the BDSM dungeon of your dreams isn’t cheap, but The Stockroom has you covered so you can spread the cost of your new BDSM furniture! Whether you’re purchasing a BDSM bed, a new spanking bench, or a BDSM cage to keep your submissive under control, you can use pay later so you don’t have to pay for it all at once!
warehouse discount code
Get even more BDSM bang for your buck with our 10% Stockroom discount code!
How Buy Now Pay Later works
“Buy now, pay later” (BNPL) is a payment option that allows customers to purchase products immediately and pay for them over time, usually in interest-free installments.
The total cost is divided into several payments: the first is usually made at the point of sale and the rest is scheduled during the following weeks or months.
This method offers flexibility and convenience, making larger purchases more financially manageable.
It is becoming increasingly popular in all types of online and in-store shopping.
Many options are interest-free if payments are made on time, but late payment fees often apply.
Other options, such as monthly or credit options, will have additional interest.
While buying sex toys now and paying later can be a good way to invest in quality sex toys without having to pay all at once, you should always read the fine print and make sure you spend within your means!