Buy now pay later (BNPL) schemes have become increasingly popular way to shop for everything from clothes to technology and now you can even enjoy buy now pay later sex toys!

Let’s face it, when you want a sex toy, you want it now, not months down the line! BNLP makes the world of sex toys more accessible by letting you spread out the payments.

It’s especially great if you want to treat yourself to a some sex furniture, a sex machine because they don’t come cheap!

Today I’m sharing my top places to shop for buy now pay later sex toys and all the options they have available. I’l also explain a little more about how BNPL works. Here’s everything you find in this post:

Where to Get Buy Now Pay Later Sex Toys

As always, I recommend only shopping at trustworthy, reputable stores so you know you are getting a genuine, quality sex toy! Here are some of my favorite sex toys stores and their BNPL options.

Buy Now Pay Later Sex Toys Table Overview

Here’s a quick table, so you can see an overview where you can shop for buy now pay later sex toys! I’ve explained each one in more detail below. I’ve also included some juicy discount coupons so you can get an even better deal!

PayPalKlarnaafterpaySezzleQuadpay/Zip
Lovehoney
SheVibe
Hustler Hollywood
Spectrum Boutique
Pink Cherry
AdamEve
TooTimid
Babeland
The Stockroom
JoyLoveDolls

My Top Online Stores With Now Pay Later Sex Toys

Lovehoney

Lovehoney offers two buy now pay later options that allow you to pay a portion of the price at the checkout and spread the rest of the payments out.

PayPal Pay Later / Pay in 4

Pay in 4 divides the full cost into four equal payments that are spread out over 6 weeks. The first payment is taken when you place the order and then the other three payments are paid in two week intervals. You need to have a PayPal account and be 18 or above to use this option and availability can vary in different states.

More information about using Pay in 4 when shopping at Lovehoney

Klarna

Klarna is a popular third party buy now pay later lender that also allows you to divide your Lovehoney purchase into four smaller payments. Similarly, the first payment is made when placing the order and then at 2 weeks, 4 weeks and 6 weeks after.

You also need to be 18 years old, but unlike PayPal, each application is assessed on a case by case basis. For your Klarna application to be approved, you need to meet some eligibility, including a financial assessment. You can also rest assured that as long as you make your payments on time, using Klarna won’t affect your credit score.

Lovehoney Discount Coupon

Enjoy 10% of your Lovehoney purchase with our Bedbible discount! Simply click on the coupon below to reveal the code!

SheVibe

SheVibe offers a broad range of buy now pay later schemes, including afterpay, Klarna, PayPal Pay Later, and Sezzle. This makes it even easier to find the best option for you! Here’s a little more detail about each one.

afterpay

This allows customers to buy products and pay in four interest-free payments every two weeks, with the option of up to 12 months financing for orders over $400. To use afterpay, you must be above 18 years old and live in the US. Applications also need to meet afterpay’s other eligibility criteria, including credit ratings and other consumer reports.

There are no fees for using afterpay as long as your repayments are on time, but you are subject to fees for late payment.

Klarna

There are two different Klarna payment options available on SheVibe, a four part payment plan and monthly financing. Both options are subject to Klarna’s approval and can only be used in participating states by people over 18.

4 Interest-Free Payments

Split your purchase into four and pay over the course of 6 weeks, with payments taken automatically every two weeks. There are no fees or added interesting, provided you are on time with your payments.

Monthly Financing

Monthly financing with Klarna allows you to spread the payments out over longer periods of time, up to 24 months, with payments due once a month. This could be a better option for bigger purchases, but this option does have added interest, which can add a considerable amount to your total. Klarna state that “the Annual Percentage Rate (APR) for purchases is between 7.99-33.99%.”

PayPal

SheVibe also has two different PayPal buy now pay later sex toy options. Similar to Klarna, there’s a short term 4 payment plan and credit plan for longer loans.

Pay in 4

“Pay in 4” is a PayPal service allowing consumers to make four interest-free payments every two weeks for purchases ranging from $30 to $1,500. It doesn’t affect credit scores but is subject to approval and isn’t available in certain U.S. states and territories. A soft credit check might be required. Users must also be of legal age in their U.S. state.

PayPal Credit

PayPal Credit offers a 6-month special financing on purchases over $99, subject to credit approval. No interest is charged if the balance is paid within 6 months; otherwise, interest applies from the purchase date. Minimum payments are required. The Variable Purchase APR is 23.99% as of 3/1/2022 and may vary with market rates. Items under $99 are eligible for special financing if combined in a single transaction totaling $99 or more. However, you cannot combine separate transactions under $99 to meet the eligibility limit.

Sezzle


Sezzle offers a buy now, pay later option where the cost is split into four payments. Initially, 25% is paid, followed by three further installments every two weeks. There’s no interest or upfront fees if payments are timely. Sezzle pays merchants immediately, ensuring prompt order processing. To use Sezzle, you need to be at least 18, have a US or Canadian phone number, a verifiable email address, and a non-prepaid payment method. Sezzle may conduct a soft credit check but this doesn’t impact your credit score.

SheVibe Discount Code

Get 5% off your order at SheVibe with your Bedbible discount! Just click on the coupon to get your discount and get shopping!

Hustler Hollywood

Hustler Hollywood also supports afterpay, Sezzle, Klarna, and PayPal buy now pay later schemes. While they don’t give specific information about each payment plan, most tend to follow the four part plans with payments at checkout, 2 weeks, 4 weeks and 6 weeks after.

Pink Cherry

Pink Cherry only list Klarna and PayPal as express checkout options but don’t offer any more details about which options are available within that.

Spectrum Boutique

Spectrum Boutique seems to offer only one buy now pay later option, Quadpay, which has since changed it’s name to Zip. Similar to other short term payment plans, the payments are split into four equal instalments, two weeks apart. It’s interest free if payments are made when they are due but there are fees for late payment.

AdamEve

AdamEve support PayPal’s by now pay later options:

PayPal Monthly allows you spread the cost over 6 or 12 months with equal payments over 6 months and a fixed APR of 9.99%-35.99%, depending your credit score. It requires a credit approval and isn’t available in all states.

Pay in 4 divides the payment into four equal amounts with payments spread over 6 weeks. It can be used on purchases between $30 – $1500 and is assessed based on a soft credit check.

PayPal Credit can be used on orders of $99 or more and are interest free, if the amount is paid of in full within 6 months of the purchase date. It comes with a variable APR, which was 29.24% at the time of writing.

The Stockroom

Furnishing your dream BDSM dungeon is by no means cheap, but The Stockroom have you covered so you can spread the cost of your new BDSM furniture out! Whether you are shopping for a BDSM bed, a new spanking bench, or a BDSM cage to keep your sub in check, you can use afterpay so you don’t have to pay for it all one go!

Stockroom Discount Code

Get even more BDSM for your buck with our Stockroom10% discount code!

JoyLoveDolls

Buy now pay later sex toys even extends into the pricey world of sex dolls, making them more accessible! Trusted sex doll store JoyLoveDolls let’s you divide the cost using either Sezzle, Klarna or Paypal.

How Buy Now Pay Later Works


“Buy Now, Pay Later” (BNPL) is a payment option allowing customers to purchase goods immediately and pay for them over time, typically in interest-free installments. The total cost is divided into several payments, with the first often made at the point of sale and the rest scheduled over subsequent weeks or months.

This method offers flexibility and convenience, making larger purchases more manageable financially. It’s becoming increasingly popular across all kind of online and in-store purchases.

Many options are interest-free if the payments are made on time but there are often fees for missed payments. Other options, like monthly or credit options will have added interest.

Although buy now pay later sex toys can be a good way to invest in quality sex toys without having to pay everything at once, you should always read the fine print and make sure you are spending within your capabilities!