$0 due today
SHOP NOW, PAY LATER.
Finance your purchase in 3-36 equal monthly payments.
Applying is quick and easy
HOW IT WORKS
1
Shop online
Fill your cart
with at least $100
2
Checkout
Select Citizens Pay® as your payment method
3
Apply
Get an instant decision to complete your purchase
HOW IT WORKS
1
Shop Online
Fill your cart with your favorite pieces worth at least $100
2
Check Out
Select Citizens Pay® as your preferred payment method
3
Apply
Get an instant decision to complete your purchase
FAQ
What is Citizens Pay?
Citizens Pay is a flexible, omnichannel shop-now-pay-later lending solution that enables customers to buy what they want without risking their financial future. Citizens Pay is a brand name of Citizens Bank, N.A.
Will I pay fees?
Please refer to the Line of Credit Account Summary Table for information on fees that may be associated with your account.
How much can I borrow?
The amount you can borrow depends on your credit history.
What are the term lengths?
Citizens Pay program terms and offers are specific for each customer. The available terms range from 3 to 36 months and will be displayed to approved customers based on their credit.
What can I buy with Citizens Pay on One Kings Lane?
All items are available to purchase with Citizens Pay. The minimum purchase amount is $100.
How do I use Citizens Pay?
At checkout, select Citizens Pay for your payment method, select your terms, and confirm the order, and your Citizens Pay account will be used for the purchase.
Will checking my eligibility for Citizens Pay impact my credit score?
Citizens Pay checks eligibility using a soft credit pull, which will be visible only to you and will not impact your score or be visible to other potential lenders.
When will my credit report be impacted by an application for a Citizens Pay Line of Credit?
Once you review and agree to the Line of Credit Terms and Conditions and submit the Line of Credit application, Citizens Pay will use a hard credit pull to help make a credit decision. The hard credit pull inquiry will be reflected on your credit report. Applications are subject to individual approval.
Terms & Conditions: Promotional APR Based on Credit: Offer available on qualifying purchases of select products charged to a Citizens Pay Line of Credit account. Minimum purchase: $100. Promotional offers are based on creditworthiness and range from 0-29.99% APR from the date an eligible purchase is posted to your account until paid in full. Limited time offer. Other transactions charged to your account affect overall minimum payment amount. Regular account terms apply to non-promo purchases. Standard Purchase APR is 29.99% for non-promotional purchases. Account must be in good standing. Subject to credit approval. Click here for important information about Rates and Fees and the Citizens Pay Line of Credit Agreement. Citizens Pay Line of Credit Account offered by Citizens Bank, N.A.
SHOP NOW, PAY LATER.
Finance your purchase in 3-36 equal
monthly payments.
SHOP NOW, PAY LATER.
Finance your purchase in 3-36 equal
monthly payments.
$0 due today
Applying is quick and easy
HOW IT WORKS
1
Shop Online
Fill your cart with your favorite pieces worth at least $100
2
Check Out
Select Citizens Pay® as your preferred payment method
3
Apply
Get an instant decision to complete your purchase
FAQ
What is Citizens Pay?
Citizens Pay is a flexible, omnichannel shop-now-pay-later lending solution that enables customers to buy what they want without risking their financial future. Citizens Pay is a brand name of Citizens Bank, N.A.
Will I pay fees?
Please refer to the Line of Credit Account Summary Table for information on fees that may be associated with your account.
How much can I borrow?
The amount you can borrow depends on your credit history.
What are the term lengths?
Citizens Pay program terms and offers are specific for each customer. The available terms range from 3 to 36 months and will be displayed to approved customers based on their credit.
What can I buy with Citizens Pay on One Kings Lane?
All items are available to purchase with Citizens Pay. The minimum purchase amount is $100.
How do I use Citizens Pay?
At checkout, select Citizens Pay for your payment method, select your terms and confirm the order, and your Citizens Pay account will be used for the purchase.
Will checking my eligibility for Citizens Pay impact my credit score?
Citizens Pay checks eligibility using a soft credit pull, which will be visible only to you and will not impact your score or be visible to other potential lenders.
When will my credit report be impacted by an application for a Citizens Pay Line of Credit?
Once you review and agree to the Line of Credit Terms and Conditions and submit the Line of Credit application, Citizens Pay will use a hard credit pull to help make a credit decision. The hard credit pull inquiry will be reflected on your credit report. Applications are subject to individual approval.
Terms & Conditions: Promotional APR Based on Credit: Offer available on qualifying purchases of select products charged to a Citizens Pay Line of Credit account. Minimum purchase: $100. Promotional offers are based on creditworthiness and range from 0-29.99% APR from the date an eligible purchase is posted to your account until paid in full. Limited time offer. Other transactions charged to your account affect overall minimum payment amount. Regular account terms apply to non-promo purchases. Standard Purchase APR is 29.99% for non-promotional purchases. Account must be in good standing. Subject to credit approval. Click here for important information about Rates and Fees and the Citizens Pay Line of Credit Agreement. Citizens Pay Line of Credit Account offered by Citizens Bank, N.A.