With credit approval, you have access to a Bill Me Later credit account to shop with major retailers across the country without using your credit or debit card. To apply, you need to provide the date of birth and the last four digits of your Social Security number at checkout to complete the application.

Step 1
Visit the seller’s website with the Option to Pay Me Later. Walmart, the Apple Store, and Hotwire all use this credit program. Bill Me Later has a list of all the stores that offer this option on its website.
Step 2
Select the checkout button when you’re done shopping at the online checker. Enter your contact information and delivery address in the specified fields, and then select the “Pay by the invoice for me later” option in the checkout section.
Step 3
Complete the “Pay me later” app. Enter your date of birth, the last four digits of your Social Security number, and payment information.
Step 4
Read the terms and conditions of the credit account and agree to the terms by clicking on the specified box. Select the “I accept” button to submit your application. If your account is approved, your purchase will end. If rejected, you need a different form of payment to complete your purchase.
Step 5
Check your email if approved. You receive a welcome email with important information about your account. An invoice with a due date and the amount will be mailed 10 to 14 days after your product is delivered. If you have opened your account using PayPal, your statements will be sent electronically.
Tip
There is no annual fee to use Bill Me Later. Call 866-528-3733 if you have any additional questions or support.
Alert
The annual percentage is 19.99%.
What you need
Birthday
Social Security number
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