Luther Sales is an independent guide to buy-now-pay-later services. We compare what each service costs, when it charges late fees and how it handles credit checks, in plain language.
We aren't a lender. We don't take applications, and we never see your financial details: the "Visit" buttons simply send you to each service's own website.
The sign says Est. 1967 because paying over time is a lot older than the apps. Long before them, the original Luther Sales store offered LutherCharge, its own pay-over-time plan for furniture and mattresses: buy now, pay later before anybody called it that.
Facts are checked against each service's published terms and recent reviews. We last checked them in October 2026. Spotted something out of date? The terms shown at checkout always win.