Buy Now, Pay Later Option
North 40 Outfitters customers have access to several financing options through Paypal and Bread Financing on purchases up to $10,000.
To see options for any qualifying order, simply load a shopping cart and proceed through the online checkout. When it's time to enter payment, you may select and apply for Paypal Buy Now, Pay Later or Bread Pay. See below for options:
Bread Pay
Bread Pay allows you to make flexible payment options with pay-over-time plans like monthly installments or split payments.
Pay over time
We've partnered with Bread Pay® so you can buy what you want now and pay later at a pace that works for you.
Simple application
Get a decision in seconds without affecting your credit score.
Straightforward pricing
What you see is what you get. No hidden fees, prepayment penalties or compound interest.
Pay at your own pace
Financing made easy
Step 1
Shop our website
Add items to your cart. Choose Bread Pay® and get a real-time decision without affecting your credit score.
Step 2
Select your plan
Pick the option that works for your budget.
Step 3
Complete your purchase
Get your items now and pay over time.
Still have questions?
Help centerPaypal
Depending on the size of your purchase, PayPay will offer you either its "Pay in 4" option or its "Pay Monthly" option. After you select an option, you'll receive a decision in seconds. This table details the differences between Pay in 4 and Pay Monthly:
Pay Later Options
| Pay in 4 | Pay Monthly | |
|---|---|---|
| Purchase Amount | $30 to $1,500 | $199 to $10,000 |
| Number of payments | 4 interest-free payments | 6, 12, or 24 payments |
| Time between payments | Bi-weekly (1 down payment & 3 payments) | Monthly |
| APR | 0% | 0% to 29.99% |
| Repayment method | Debit card, credit card, or confirmed bank account | Debit card or confirmed bank account |
| Purchase Protection | Included | Included |
| Sign-up and late fees | None | None |
| Autopay available | Automatically enrolled at time of purchase | Enroll in autopay at time of purchase or any time after |
Frequently Asked Questions
It's easy! Just go to north40.com and search for the items you want to purchase on north40.com. Add them to your cart, select "Curbside Pickup" instead of having them shipped to your home, and select "Pay Later" as your payment option. Once you've completed the transaction, let the store team know you placed a Curbside Pickup order, and they can begin fulfilling your order.
Not currently. All Pay Later orders are entirely handled by PayPal.
PayLater returns follow our standard return process.
PayPal offers flexibility (Pay in 4, 6-month, 12-month and 24-month payment options) as well as high spending limits—as much as $10,000. PayPal is currently our recommended third-party Buy Now, Pay Later solution.
Frequently Asked Questions
It's easy! Just go to north40.com and search for the items you want to purchase on north40.com. Add them to your cart, select "Curbside Pickup" instead of having them shipped to your home, and select "Pay Later" as your payment option. Once you've completed the transaction, let the store team know you placed a Curbside Pickup order, and they can begin fulfilling your order.
Not currently. All Pay Later orders are entirely handled by PayPal.
PayLater returns follow our standard return process.
PayPal offers flexibility (Pay in 4, 6-month, 12-month and 24-month payment options) as well as high spending limits—as much as $10,000. PayPal is currently our recommended third-party Buy Now, Pay Later solution.
PayPal's Pay Later is a third-party Buy Now, Pay Later solution. Terms and conditions may change at any time. Review the terms and conditions of your personalized PayPal offer for more details.