Variable APR interest, but no late fees, no deferred interest, no gimmicks.
Most items are available to use with Buy Now, Pay Later, however it can only be used for cart purchases of over $99. This excludes gift cards.
During checkout, select Buy Now, Pay Later as your payment option. Complete the application approvel process financed by Citizen's PayTM. Once approved, select the items that you would like to finance. Choose your terms, and complete your checkout.
Filling out the preapproval section with personal information to see if you qualify for Citizens PayTM involves a soft credit check that has no impact on your credit score. Once you submit your form, a hard credit check will be performed. Citizens checks eligibility using a soft credit pull, which will not impact your credit report or score.
Existing Citizens customers (whether bank account holder or credit holder outside of BJ’s partnership) cannot use their existing account to use Buy Now, Pay Later at BJ’s.