Does Amazon Have Payment Plans (Instalments, Products + More)

Amazon offers a number of perks for their customers, such as free Prime shipping, Amazon Prime Video, access to the kindle library, and many other benefits!

You may also have heard that another perk Amazon provides is a payment plan for certain products. But is this payment plan true? And if so, how does it work? If you’d like to find out, keep reading to see what I learned!

Does Amazon Have Payment Plans

Amazon offers its customers the option to pay for qualifying products in installments. This payment method can be applied to certain electronics, tools, housewares, and similar items for a total of 5 monthly payments. Additionally, Amazon’s payment plan is currently only available in the United States, and customers must have access to a credit card.

If you’d like to learn more about how Amazon’s payment plan works, which products qualify for a payment plan, how to qualify for the plan, and more, keep reading for more useful facts!

How Does Amazon’s Payment Plan Work?

When customers come across a product that qualifies for a monthly payment, they can select the “5 Monthly Payments” option, usually listed below the name of the product.

Once they check the box, customers can add the product to their basket.

At checkout, the first initial payment will be listed, plus the delivery fee, which will be charged to their credit card once the item is shipped.

After the initial payment, the remaining 4 payments will be automatically charged to the customer’s credit card in equally divided increments, which will be paid out every 30 days from the date the product was shipped.

What is the Time Limit for Amazon’s Payment Plan?

Amazon has set up its payment plan to equate to a total of 5 payments over 4 months. Their payment schedule is as follows:

  • Initial Payment: Shipment Date
  • First Payment: 30 Days from Shipment Date
  • Second Payment: 60 Days from Shipment Date
  • Third Payment: 90 Days from Shipment Date
  • Fourth Payment: 120 Days from Shipment Date

Customers have the option to prepay any of their installments or the full remaining balance of their installments at any time,

However, customers should also note that, should they fail to meet a payment, Amazon reserves the right to retaliate by any means they see fit.

This retaliation includes suspending a customer’s Amazon account, blocking their access to Amazon content, and deregistering any Amazon devices a customer may own.

Therefore, customers should ensure that they are able to meet all payments before ordering a product with a payment plan.

Which Products on Amazon Qualify for a Payment Plan?

Which Products on Amazon Qualify for a Payment Plan?

Amazon only allows certain products to be purchased with a payment plan. Currently, customers can use a payment plan on the following categories and products:

Amazon Devices:

  • Fire Tablet
  • Amazon Echo
  • Amazon Kindle
  • Fire TV
  • Kindle Ring etc


  • ASUS
  • Microsoft
  • Lenovo
  • Samsung
  • Google Pixelbook

Gaming Laptops:

  • Razer Blade
  • Dell Gaming
  • CyberpowerPC
  • MSI

Gaming PCs and Monitors:

  • Acer Aspire

Exercise Equipment:

  • Health & Fitness
  • Body Power
  • Marcy
  • Saris
  • HulkFit

Home & Kitchen Items:

  • Shark AI
  • Dyson
  • Alen BreatheSmart
  • Bissel Pet Pro

Eligible Electronics:

  • Samsung Galaxy
  • Bose
  • ViewSonic
  • Panasonic


  • LG
  • Samsung
  • Skyworth

Items from other categories such as tools and clothing can qualify for a monthly payment plan, though they are difficult to come by unless customers know exactly what they’re looking for.

If customers would like to find out if an item they’d like to purchase qualifies for a payment plan, they can check the product page or contact customer service for similar products.

Does Amazon Offer Payment Plans Through Buy Now Pay Later Services?

Currently, Amazon does not allow customers to use Afterpay for their payment plans. However, they do allow customers to use Quadpay and Affirm!

Quadpay must be split into 4 installments and is to be paid out within six weeks. Unlike the regular Amazon plan, Quadpay can be used to purchase any item currently available on Amazon!

With Affirm, customers must first be approved for an Affirm loan. After being approved, they can use their account as a digital card and add it to their payment options on their Amazon account.

How Do I Qualify for a Payment Plan on Amazon?

In order to qualify for the payment plan on Amazon, customers must meet the following criteria:

  1. They must be a resident of the United States
  2. Their account must have been active for at least one year
  3. They must have a valid credit card available in the payment options on their Amazon account
  4. Their payment history with Amazon must be favorable

If customers have had their Amazon account for one year but it still doesn’t qualify for a payment plan, it’s recommended that they make small purchases in order to build up their payment history.

If customers meet all the above criteria and still do not qualify, they can change the status of their account by reaching out to Amazon support and having their account reviewed.

If you want to learn more about Amazon’s payment plans, you can also read our related posts on whether or not Amazon takes EBT, if Amazon takes coupons, and if Amazon is safe to shop on.


Amazon offers payment plans for customers who reside in the United States.

Customers can purchase qualifying items and pay off their purchase in 5 installments, which are charged to their credit card every 30 days from the day their order was shipped.

In order to qualify for a payment plan, customers must live in the United States, have an active Amazon account for at least one year, have a valid credit card attached to their account, and their purchase history with Amazon must be favorable.

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Marques Thomas

Marques Thomas graduated with a MBA in 2011. Since then, Marques has worked in the retail and consumer service industry as a manager, advisor, and marketer. Marques is also the head writer and founder of

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