Discover how Citizens Pay® works with your favorite retailers.
Big-ticket buys don't have to break the bank. Enjoy instant decisions on your credit applications, buy what you need now and pay over time with responsible monthly payments.
Buy now and pay over time in 4 easy steps:
Shop in store or online and add to your cart
Go to checkout
Choose Citizens Pay and apply
Citizens Pay for Business
Find out how Citizens Pay® can integrate with your business to help drive sales and increase AOV.
Enjoy the smarter way to pay
Citizens Pay offers you flexible financing options across a wide selection of your favorite fitness, home improvement, and retail brands. Start shopping now!
Download the Citizens Pay mobile app to take control of your account
Once you open your Citizens Pay Line of Credit, you can use our mobile app* to easily manage your account from the palm of your hand.
Education Hub
Explore how pay-over-time financing works for you and your budget.
Splurge on what you love. Pay over time.
From furniture and fitness equipment to fine jewelry, travel and tech, pay over time financing is making it easier to get what you really want.
How much to spend on an engagement ring.
One, two, three-months salary? It's not easy to put a finger on what to spend for the perfect ring. Here are some tips.
Break away without breaking the bank.
Is your travel dream not fitting your financial reality? Take the stress out of vacation planning with a flexible, pay-over-time financing solution.
Pay-over-time vs. other payment options
With all the methods of payment at your fingertips, here's how options like pay-over-time, credit cards and debit cards stack up for big purchases.
Renovate your home the smart way with Citizens Pay
You want that dream kitchen. A pay-over-time financing option can help make a renovation your reality.
Meet your fitness goals your way.
With Citizens Pay’s® pay-over-time flexibility, you can set up a new exercise routine with the best workout equipment.
Citizens Pay FAQs
Ready to learn more?
Citizens Pay is a flexible, omnichannel lending solution that enables customers to shop-now-pay-later.
The amount you can borrow from Citizens Pay depends on your credit history.
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.
Applying for a Citizens Pay Line of Credit is easy. You will be asked to provide your full name, residential address, mobile phone number, date of birth, social security number, and income.
After you review and agree to the Line of Credit Terms and Conditions and submit the Line of Credit application, we will use a hard credit pull to help make a credit decision. The hard credit pull inquiry will be reflected on your credit report and may impact your credit score.
The available terms vary by Retailer and will be displayed to approved customers based on their credit.
Citizens Pay Line of Credit Online Servicing Portal (
http://pay.citizensbank.com/) provides an easy and secure way to view your Line of Credit account information online. With this service you can view your Line of Credit summary, transaction history, and make payments, all from the convenience of your desktop or mobile device.*
