![long receipt](https://cdn.advanceamerica.net/public/styles/article_large/public/media/images/2025-08/long%20receipt.jpg.webp?itok=-2gTxeTf) 

# 101 Things You Can Buy Using Installment Payments

Whether you're planning a big purchase or covering everyday costs, [paying in installments](https://www.advanceamerica.net/loans/installment-loans) 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)](https://www.advanceamerica.net/money-saving-tips/credit/do-bnpl-companies-report-to-credit-bureaus) 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**](https://www.advanceamerica.net/money-saving-tips/home-and-family/home-improvement-tips)

**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**

Image

 ![iphone discount](https://cdn.advanceamerica.net/public/styles/convert_to_webp/public/media/images/2025-08/iphone%20cheap.png.webp?itok=Wi0suj1J)

 

 ## 📱 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**](https://www.advanceamerica.net/money-saving-tips/home-and-family/proactive-with-car-maintenance-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)*

Image

 ![Example of BNPL options at online checkout](https://cdn.advanceamerica.net/public/styles/convert_to_webp/public/media/images/2025-08/beauty.png.webp?itok=682yH6E3 "Example of BNPL options at online checkout")

 

 ## 💄 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**

**64.** [**Back-to-school shopping**](https://www.advanceamerica.net/money-saving-tips/home-and-family/back-to-school-supplies-on-a-budget)

**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**](https://www.advanceamerica.net/money-saving-tips/money-management/how-to-save-for-engagement-ring)

**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**](https://www.advanceamerica.net/money-saving-tips/need-money/need-help-paying-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.

[Apply for a loan today](https://www.advanceamerica.net/online/)

## 💡 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**](https://www.advanceamerica.net/loans/installment-loans/installment-loans-for-bad-credit)

**➢**[**Installment Loans vs. Revolving Credit: What’s the Difference?**](https://www.advanceamerica.net/loans/installment-loans/installment-loans-vs-revolving-credit)

**➢**[**Payday Loan vs. Installment Loan: What’s the Difference?**](https://www.advanceamerica.net/loans/payday-loans/payday-loan-vs-installment-loan)

 

By Bree Ewers

Published: August 28, 2025

 

Whether you're planning a big purchase or covering everyday costs, [paying in installments](https://www.advanceamerica.net/loans/installment-loans) 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)](https://www.advanceamerica.net/money-saving-tips/credit/do-bnpl-companies-report-to-credit-bureaus) 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**](https://www.advanceamerica.net/money-saving-tips/home-and-family/home-improvement-tips)

**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**

Image

 ![iphone discount](https://cdn.advanceamerica.net/public/styles/convert_to_webp/public/media/images/2025-08/iphone%20cheap.png.webp?itok=Wi0suj1J)

 

 ## 📱 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**](https://www.advanceamerica.net/money-saving-tips/home-and-family/proactive-with-car-maintenance-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)*

Image

 ![Example of BNPL options at online checkout](https://cdn.advanceamerica.net/public/styles/convert_to_webp/public/media/images/2025-08/beauty.png.webp?itok=682yH6E3 "Example of BNPL options at online checkout")

 

 ## 💄 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**

**64.** [**Back-to-school shopping**](https://www.advanceamerica.net/money-saving-tips/home-and-family/back-to-school-supplies-on-a-budget)

**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**](https://www.advanceamerica.net/money-saving-tips/money-management/how-to-save-for-engagement-ring)

**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**](https://www.advanceamerica.net/money-saving-tips/need-money/need-help-paying-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.

[Apply for a loan today](https://www.advanceamerica.net/online/)

## 💡 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**](https://www.advanceamerica.net/loans/installment-loans/installment-loans-for-bad-credit)

**➢**[**Installment Loans vs. Revolving Credit: What’s the Difference?**](https://www.advanceamerica.net/loans/installment-loans/installment-loans-vs-revolving-credit)

**➢**[**Payday Loan vs. Installment Loan: What’s the Difference?**](https://www.advanceamerica.net/loans/payday-loans/payday-loan-vs-installment-loan)

 

Notice: Information provided in this article is for informational purposes only. Consult your attorney or financial advisor about your financial circumstances.

 ![Bree Ewers headshot](https://cdn.advanceamerica.net/public/media/images/2024-08/author-bree-ewers.png?VersionId=R0j4Z4h_Q5dgjRFmSg07Mvupk_lknlD.) 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.