HELP CENTER

What is Buy Now, Pay Later?

Buy Now, Pay Later is a flexible, payment option financed through Citizen's PayTM, that allows BJ’s Members to apply for a monthly flat rate installment plan on individual items or carts over $99.

HOW IT WORKS

1

Shop Online

Add an item that costs $99 or more - or build a cart worth a minimum of $99 and checkout.
2

Apply

Select Citizens PayTM & enter your information.
3

Checkout

Choose your payment terms & submit order.
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FREQUENTLY ASKED QUESTIONS

What are the term lengths?
Members may select terms for 3, 6, 12 or 24 months depending on the purchase amount.
Are there fees?

Variable APR interest, but no late fees, no deferred interest, no gimmicks.

What cannot be used with Buy Now, Pay Later?

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.

Will this be available in-Club and online?
CitizensTM Pay is currently available online at BJs.com and in select Clubs. 
How do I use Buy Now, Pay Later?

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.

Will submitting an application to check my eligibility for Citizens Pay impact my credit score?

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.

I have an account at Citizens Bank. Can I use my account for Buy Now, Pay Later?

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.