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101 Things You Can Buy Using Installment Payments
Whether you're planning a big purchase or covering everyday costs, paying in installments can make life feel a little more manageable. Instead of paying the full amount upfront, installment plans split the total into smaller, predictable payments over time.
Installment options are everywhere now — from Buy Now, Pay Later (BNPL) apps and store financing to credit card payment plans and personal loans.
🏡 Home essentials & improvements
Need to furnish a new place or make home repairs? Major online retailers like Wayfair and Ikea offer installment payment plans to help you spread out the cost of upgrades and large purchases. This could help you budget for:
1. Furniture (sofas, beds, dining sets)
2. Mattresses
3. Home appliances (refrigerators, washers, dryers)
4. Vacuum cleaners
5. Kitchen gadgets (air fryers, espresso machines)
6. Home decor (rugs, art, lighting)
7. Paint and supplies for a room refresh
8. Smart home devices (thermostats, doorbells, lights)
9. Lawn care equipment (mowers, trimmers)
10. New HVAC system or repairs
11. Water heater replacement or repair
12. Solar panels or energy-efficient upgrades
📱 Tech & electronics
From staying connected to working remotely or gaming, tech can get pricey — but installment payments can make it more accessible to purchase:
13. Smartphones
14. Tablets and e-readers
15. Laptops and desktops
16. Gaming consoles (PlayStation, Xbox, Nintendo Switch)
17. Gaming equipment (controllers, headsets)
18. TVs and accessories (sound systems)
19. Smartwatches and fitness trackers
20. VR headsets
21. Home office equipment (monitors, chairs)
22. Printers and routers
🚗 Transportation & auto needs
Whether it’s maintenance or a new way to get around, installment loans can help keep you moving — even when expenses like these pop up:
23. Car repairs and maintenance
24. Tires or new wheels
25. Auto insurance premiums
26. Electric scooters or e-bikes
27. Monthly parking passes
28. Public transit passes
29. Down payment for a car
30. Car accessories (roof racks, seat covers)
👕 Clothing & accessories
Need to refresh your wardrobe or shop for a special event? Purchasing items and paying in installments can help you shop confidently and stay on budget.
31. Seasonal wardrobes (back-to-school, winter coats)
32. Shoes and boots
33. Handbags
34. Watches and jewelry
35. Eyewear (glasses, contacts, sunglasses)
36. Maternity clothes
37. Special occasion outfits (weddings, interviews)
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💄 Beauty & wellness
From self-care routines to more involved treatments, beauty and wellness costs can add up — but installment options can make them easier to afford.
38. Skincare and makeup sets
39. Salon services or memberships
40. Cosmetic procedures (Botox, fillers)
41. Teeth whitening or aligners
42. Gym equipment or memberships
43. Massage therapy packages
44. Laser hair removal sessions
45. Subscription boxes (beauty, self-care)
🏫 Education & self-development
Investing in your education or skills can have long-term benefits. Installments let you pay over time while you focus on learning.
46. Online courses and certifications
47. College tuition or textbooks
48. Tutoring services
49. Music or art lessons
50. Professional coaching
51. Test prep packages (SAT, GRE, LSAT)
🧸 Kids & family
Raising a family can be expensive, but payment plans can help you stay prepared for everyday needs (and the surprises that come with it).
52. Strollers and car seats
53. Cribs and nursery furniture
54. Toys and play sets
55. Birthday party supplies
56. After-school programs
57. Private school tuition
58. Sports team fees or gear
🛍️ Shopping & subscriptions
Love a good haul? Whether you're stocking up or subscribing to monthly boxes, installment plans can help make it more manageable.
59. Fashion and department store hauls
60. Boutique clothing orders
61. Subscription boxes (meal kits, books, wine)
62. Bulk purchases at warehouse stores (Costco, Sam’s Club)
63. Holiday gifts and decorations
65. Crafting supplies
💍 Weddings & milestone events
Big moments can come with big expenses. Installment plans help you spread the costs over several months or years — so you can focus on making memories, not stressing about money.
66. Engagement rings
67. Wedding dresses or suits
68. Photographer or videographer deposits
69. Venue rentals
70. Honeymoon travel
71. Party planning services
🎮 Hobbies & entertainment
Whether you're trying a new hobby or investing in your favorite pastime, installments make it easier to do what you love.
72. Musical instruments (guitar, keyboard, drums)
73. Photography equipment
74. Sports gear (bikes, golf clubs, paddleboards)
75. Drones
76. Camping gear
77. Fishing or hunting equipment
78. Streaming service bundles (yearly plans)
79. Concert or festival tickets
80. Board games and collectibles
✈️ Travel & experiences
Planning a getaway? Installment payments let you book your trip now and pay it off later — so your budget doesn’t hold you back from making memories.
81. Flights and hotels
82. Travel packages or cruises
83. Airbnb stays
84. Luggage and travel gear
85. Excursion or tour deposits
86. Theme park tickets
87. Timeshares or vacation clubs
🐾 Pets
Pets are part of the family, and they come with their own set of costs. Installment plans can help cover everything from food to medical care.
88. Vet bills and procedures
89. Pet insurance premiums
90. Fresh food subscriptions
91. Grooming or boarding
92. Training classes
93. Aquariums or terrariums
94. Pet furniture or strollers
💳 Financial & insurance products
Some financial and emergency costs can’t be avoided, but they can be paid for in installments to ease the burden on your wallet.
95. Medical bills
96. Tax payments (with installment agreements)
97. Debt consolidation loans
98. Emergency expenses
99. Funeral expenses
100. Home or renter’s insurance premiums
101. Identity theft protection services
Whether you're covering essentials or splurging on something special, an Installment Loan could help you manage your expenses — your way.
💡 Benefits of paying for purchases in installments
Installment plans help you manage expenses without dipping into savings or relying on credit cards. They're a flexible option for covering costs while staying in control.
Smaller, more predictable payments. Break up big purchases into monthly payments that fit your budget.
Flexible repayment options. Some plans let you choose your repayment term.
Convenience. Get what you need now — and pay for it on your schedule.
Less financial stress. Avoid draining your savings or maxing out credit cards.
⚠️ What to consider before using an installment plan
Installment plans can be convenient — but they’re still a financial commitment. Here’s what to keep in mind before signing up.
- Fees or interest. Some plans may include charges. Always read the fine print.
- Impact on your credit. Missing payments can hurt your credit score.
- Budgeting is key. Make sure your monthly payments work with your current income and expenses.
- Track your total. Spreading payments out can make a purchase feel smaller, but it still adds up.
- Too many plans = overwhelm. Try to limit how many installment plans you have active at once.
MORE ON INSTALLMENT LOANS:
➢Installment Loans for Bad Credit
➢Installment Loans vs. Revolving Credit: What’s the Difference?
Notice: Information provided in this article is for informational purposes only. Consult your attorney or financial advisor about your financial circumstances.
About the author
Bree Ewers is a senior editor, copywriter, and content writer whose work has been featured across the media, small business, and financial industries. She operates Nomad Freelance Content from her home office in Portland, Oregon.