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What is Bill Me Later?

Buy now and settle up later.

Bill Me Later Logo

Bill Me Later makes shopping at your favorite stores as easy as 1, 2, 3...

  1. Add items to your shopping cart
  2. Select Bill Me Later at checkout
  3. Answer two quick questions and accept the terms

It's that easy. All of your purchases will appear on one bill from Bill Me Later.

View Demo

Enjoy no payments and no interest if paid in full in six months.

Make no payments for six months. You will receive monthly statements and can make payments at any time. As long as you pay in full by the promotion expiration date, you will not be billed interest. Otherwise, interest will be billed from the date of purchase.

Buy now and settle up later

Shop without your credit card at any of the thousands of stores that offer Bill Me Later and you can enjoy the freedom of paying for your purchases later. Whether you buy electronics, home goods, travel or apparel, all of your purchases will appear on one bill. You can choose to pay in full or over time*.

Here’s what you need to know:

  • You'll start with buying power of at least $250.
  • If you choose to pay over time, the Annual Percentage Rate is 19.99% and the minimum interest charge is $2. Terms
  • If you happen to pay late, you could receive a late fee of up to $35. Frequently Asked Questions

Breeze through checkout

There's no separate sign up process for Bill Me Later – just select it as your payment method, answer a few questions and accept the terms. Even better, Bill Me Later offers "Zero Fraud Liability" protection. So it's fast, easy and secure. Now you can spend less time in checkout and more time doing the things you love.

Enjoy great deals just for you

Take advantage of exclusive offers for Bill Me Later customers, like special financing that gives you even more time to pay. Check out www.BillMeLater.com to see the thousands of stores that accept Bill Me Later, plus frequent offers like discounts and free shipping.

Bill Me Later is subject to credit approval as determined by the lender, Comenity Capital Bank, Salt Lake City, Utah, and is available to U.S. customers who are of legal age in their state of residence.

*Interest charges apply if paid over time.

View the Bill Me Later® Terms and Conditions

Bill Me Later frequently asked questions

How do I sign up for a Bill Me Later account?

You can sign up right at the merchant's site. Simply choose Bill Me Later as your payment method at checkout — it takes only a few seconds. Answer two quick questions and accept the terms. You’ll receive a bill in the mail. There is no sign-up prior to making your purchase and there is no sign-up fee. View demo

How do I use Bill Me Later again?

When making purchases at the other sites in our network: 1) You sign-up the first time you purchase at that site; 2) After that, just select Bill Me Later to make future purchases at that retailer.

Is there an annual fee?

No. There is no annual fee for using Bill Me Later.

What is the Annual Percentage Rate?

The Annual Percentage Rate is 19.99%. The Minimum Finance Charge is $2. Of course, you can choose to pay your entire balance by the payment due date and pay no finance charges.

If I pay late, will there be a fee?

Bill Me Later will charge a late lee for each month that a minimum payment is not paid in full by the payment due date on your statement. The amount of the late fee will be the amount of the missed payment; up to $25 the first time you are late. If you’re late again, the late fee will be up to $35.

Does Bill Me Later protect me from liability for unauthorized charges?

Yes, Bill Me Later provides "zero fraud liability" protection; the same protection provided by most major credit cards. This means you are not responsible for unauthorized charges.

Bill Me Later has been designed with other features to help protect against unauthorized use of your account. Your identity is validated with top-of-mind information such as date of birth and the last four digits of your Social Security number. This means there is no account number that can be lost or stolen.

Do I have a credit line? If so, how much is it?

Yes. Once you open a Bill Me Later account you will have a credit line, which we call your "buying power."

When you have completed your first purchase using Bill Me Later, Comenity Capital Bank will open a Bill Me Later account with buying power equal to the amount of your purchase or $500, whichever is greater. You can now use Bill Me Later to make additional purchases. If those purchases would cause your outstanding balance to go above your buying power, then we will evaluate if you are eligible for more buying power and increase your buying power if you are. This happens seamlessly during the checkout process — you don’t need to do anything and it won’t slow down your checkout.

On an ongoing basis, your buying power will be either the highest total of balances you have had outstanding on your account at any time or a lower amount of which you have received notice, but will not be less than $500. Here’s an example of how this works:

  • If your first purchase using Bill Me Later is $350 dollars, your initial buying power will be $500.
  • If before you pay your first bill you make another purchase for $300, we will adjust your buying power to $650 (if you are eligible for higher buying power).
  • If you then pay off $350 of your first bill, you will have $300 of buying power remaining. If you want to make another purchase using Bill Me Later for more than $300, we will increase your buying power again (if you are eligible for higher buying power).

You can always continue to make additional purchases up to your buying power limit, and we will consider increasing your buying power when your purchase goes above it.

What does Subject to Credit Approval mean?

Bill Me Later is a credit account that you can use to make purchases. Comenity Capital Bank will review and consider your credit report and other credit related information prior to opening your account and establishing your buying power. Creditworthiness is determined by Comenity Capital Bank. This process happens in a matter of seconds as part of the Bill Me Later checkout process. Once you are a Bill Me Later customer, you can rely on your buying power to make purchases. If you make a purchases that would cause your outstanding balance to go above your buying power, we will review your credit history and history with Bill Me Later to instantly determine whether to increase your buying power.

Do you check my credit report every time I make a purchase?

No, we pull a credit report on your first purchase and occasionally when you ask us to increase your buying power. We do periodically get updates to this report but these updates have no impact on your credit score. We review your account quarterly. If for any reason we reduce your buying power, we will notify you in writing of the reason.

How do I increase my buying power with Bill Me Later?

You increase your buying power by attempting a purchase that is above your buying power, we will treat that as a request to increase your buying power. We will take into account your credit history and history with Bill Me Later to instantly increase your buying power if you are eligible. This happens seamlessly during the checkout process — you don’t need to do anything and it won’t slow down your checkout.

Where else can I use Bill Me Later?

Bill Me Later is available at more than 1,000 online stores, catalogs, and travel partners. A complete list of the retailers that accept Bill Me Later is provided on the Bill Me Later website at www.billmelater.com.

How can I contact Bill Me Later to find out more about this payment method?

You may go to the Bill Me Later website at www.billmelater.com.