How does Amazon Monthly Payments work?

Amazon is the most developed e-commerce platform in the world, and this is well deserved. The service is excellent, high quality and prompt deliveries. But when you want to make a big purchase, there are days where we would like to pay in several times on Amazon.


What are payment methods on Amazon?

Available official payment methods are provided on the official Amazon page, here is the list:

  • Paying with a Credit or Debit Card
  • Checking Account
  • Gift Card
  • Amazon Pay
  • Monthly Payments


The Monthly Payment option allows you to split the cost to pay over time. Few conditions are required and not all the product are eligible.


How to enable Monthly Payment on Amazon?

Since few months, it is possible to pay over 5 months on Amazon. The full terms and conditions are provided  over the Monthly Payment Term Amazon Page, and here are the main outlines:

  • Only specific items are eligible for multiple payment options.
  • Your account needs to match criteria to ensure that you will be able to pay:

Handpicked from Amazon terms:

To be eligible for this offer, you must reside in the United States of America, your account must have been active for at least one year, you must have a valid credit card associated with your account, and you must have a good payment history on This offer may not be available to every customer and may not be available to you for all qualifying products. We reserve the right to consider for each transaction factors including your transaction history and past products purchased on and the nature and price of the qualifying product, in determining your eligibility for this offer. We will not use a credit report to determine your eligibility.


If you met these criteria, then on the specified product a new payment option will appear. See the red bold rectangle in the below picture. According to the text only good customers will have hte chance to use the monthly payment feature.



For example this item is eligible for monthly payments: Apple Mac Book Air



Monthly Payment Eligible Categories and Products

Find the Monthly Payment categories is not an easy task, so here is the list:

More categories to come


How much do you pay?

The cost will be split in 5 according to the following calendar:

Payment Due Date
Initial Payment Shipment Date
First Payment 30 Days from the Shipment Date
Second Payment 60 Days from the Shipment Date
Third Payment 90 Days from the Shipment Date
Fourth Payment 120 Days from the Shipment Date


How to have more payment options on Amazon?

You can access to advanced financing offers by subscribing to the Amazon Store Card. All orders of 149$ and more can be paid over 6, 12 or 24 months. You can also earn money with cashback by have a prime subscription with your Store Card.

More information are available here.


How to save more money on Amazon?

By default, when you buy on Amazon the price is already low because they don’t have the regular fees a physical shop could have. The best advice is to use a price comparator to check if there is a better offer elsewhere. However Amazon has a great customer service and sometimes it might be good to spend few more bucks to access and fast delivery and comprehensive support team. The Prime program allows you to save money with the cashback feature.

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1 réflexion sur “How does Amazon Monthly Payments work?”

  1. I found a bunch of beds available for monthly payments the other day. Like the green tea memory foam mattresses. Those sound strange but they have fabulous reviews and I need a new bed BADLY and can’t afford a decent one that’s also a decent size. I was so happy to see beds included on the payment plan thing now.

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