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‘Buy now, pay later’ comes to BJ’s

BJ’s Wholesale Club is offering flexible financing for digital purchases over $99.

As initially announced in January 2021, the retailer is deploying the Citizens Pay omnichannel financing solution from Citizens. The new payment option is available for purchases made on for delivery and with buy-online-pickup-in-store (BOPIS) and curbside pickup.

Customers can use Citizens Pay to finance a wide assortment of items from major appliances and TVs to furniture and everyday essentials. With Citizens Pay, shoppers can apply for a monthly flat rate installment loan on purchases over $99 and select terms for three, six, 12, or 24 months, depending on the purchase amount.

For purchases over $99, customers can select Citizens Pay as their payment at checkout. Once they input their information and are approved for the buy-now-pay-later (BNPL) option, they can choose their payment terms and submit their order.

“We offer members unbeatable value and convenience on everything they need in a one-stop shop. We’re thrilled to offer Citizens Pay to provide our members with a simple, affordable way to pay for large purchases alongside everyday items,” said Chris DeSantis, senior VP, GMM, sundries and services, BJ’s Wholesale Club. “We’re committed to delivering outstanding service to our members and Citizens Pay will help create more flexibility for them to purchase what they need, when they need it.”

“We’re excited to bring Citizens Pay to BJ’s members. Citizens Pay brings convenient and flexible payment options to consumers and allows us to offer affordable solutions through a transparent and easy-to-use experience,” said Andrew Rostami, president of Citizens Pay. “BJ’s members will now have access to modern, monthly installment plans that works for them so that they can make large purchases responsibly.”

BJ's currently operates 221 stores and 151 gas locations in 17 states on the East Coast.

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