What is Buy Now, Pay Later?

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



Shop Online

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


Select Citizens Pay & enter your information.


Choose your payment terms & submit order.


What are the term lengths?
Members may select terms for 6, 12 or 24 months depending on the purchase amount.
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?
Citizens Pay is currently available online at 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 Citizens Pay.  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 Pay 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 and result in an inquiry on your credit report. Citizens checks eligibility using a soft credit pull, which will not impact your credit report or score.

Can I purchase Tires through Buy Now Pay Later? I don’t see it on the Shop Now page.

Yes. Simply navigate to the BJ's Tire Center homepage, select your tires, and add them to your cart. On the checkout page there will be an option to select Buy Now Pay Later with Citizens Pay. Complete the application approval process financed by Citizens Pay. Once approved, select the items you would like to finance. Choose your terms, and complete checkout. 

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.