Buy Now, Pay Later - CitizensPay

Buy Now, Pay Later

Apply on the spot and complete your purchase today.

How it Works


Shop online and spend $500 or more


Select Citizens Pay™ as your payment method


Get an instant decision and complete your purchase

Frequently Asked Questions

What is Citizens Pay?
Citizens Pay™ is a flexible, omni-channel shop-now-pay-later lending solution that enables customers to buy what they want without risking their financial future.
How much can I borrow?
The amount you can borrow is dependent upon each person's credit history.
What are the term lengths?
Citizens Pay program terms and offers are specific for each customer. The available terms range from 12 to 36 months and will be displayed to approved customers based on credit.
What can I buy with Shop Now Pay Later through Sun & Ski Sports?
All items are available to purchase with Buy Now, Pay Later. The minimum purchase amount is $500.
Will this be available In Store and Online?
Citizens Pay™ is currently available online at and in retail stores.
How do I use Buy Now, Pay Later?
At checkout, select Citizens Pay for your payment method and select your terms. Once approved, the credit card details will display. Use the card details to complete the credit card payment.
Will checking my eligibility for Citizens Pay impact my credit score?
Citizens Pay checks eligibility using a soft credit pull which will only be visible 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.

Reduced APR: Available on qualifying purchases of select products charged to a Citizens Pay Line of Credit Account. 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.

Standard Purchase APR: 29.99%. Regular account terms apply to non-promo purchases. Promotional offers are based on creditworthiness and range from 0% APR from date of purchase for 12 payments, then 12.99%-29.99% APR until paid in full. Limited time offer. Minimum Purchase: $500.