Would You Pay Your Grocer Later to Shave $25 Off Your Bill? The Little-Known ‘Buy Now, Pay Later’ Grocery Play (And Its Surprising Summer Perks)
Grocery prices are squeezing everyone, with 84% of shoppers seeing rising costs and many getting pushed into debt just to put food on the table. But what if you could push your payment back, snag instant savings, and even pocket a summer bonus—all with one little-known trick at major chains? Welcome to the new grocery checkout: buy now, pay later (BNPL). Here’s a quick guide to using these hidden checkout options to save big and keep your pantry full—plus three summer perks you don’t want to miss out on.
1. Discover Instant Grocery Savings with BNPL at Checkout
Many major supermarkets and delivery apps now quietly offer BNPL options—think Klarna, Affirm, PayPal Pay in 4, and Sezzle—right at checkout, both online and in-store.
“Affirm and Klarna let you split your grocery purchases at Target, Walmart, Sam’s Club and BJ’s Wholesale into flexible payments—sometimes with zero interest.” (Nasdaq, 2025)
Takeaway: If you see a ‘Pay Later’ button, you could grab $25 or more in immediate new-customer or summer-starter credits—all while spacing your payment over time.
- Check if your grocery’s app or website offers BNPL at checkout (look for Klarna, Affirm, PayPal, or Sezzle).
- New BNPL users often get sign-up credits or summer deals—don’t skip the fine print!
- Try pairing your first BNPL order with a store that runs cash-back days or new user rewards.
2. Double or Triple Your Savings with Store Loyalty and Digital Coupons
Did you know you can stack digital coupons and loyalty perks on top of BNPL offers for even deeper discounts?
“Stop & Shop, Kroger, and Publix now roll out digital coupon kiosks and loyalty-only promos that work with online orders and BNPL payments.” (AP News, 2024)
Takeaway: Combining loyalty discounts and BNPL can shave $2, $10, or $25 from your next cart instantly.
- Activate your store’s loyalty program (like Kroger Boost, Club Publix, or Giant’s Flexible Rewards).
- Load digital-only coupons before you check out.
- Apply BNPL at checkout to take advantage of both instant savings and flexible payment.
Pro tip: Check for “exclusive BNPL + loyalty” summer events in the store app!
3. Pocket Extra Summer Perks: Rebates, Fuel Points, and Cash Back
Some BNPL and supermarket combos unlock surprise summer perks—think cash rebates, bonus fuel points, or free delivery.
“Kroger Boost packs in early promotions, double fuel points, and exclusive member savings that you can pair with BNPL to trim next month’s bills.” (Voucherify, 2025)
Takeaway: Your grocery rewards—points, rebates, or cash—can cover part of your BNPL bill before your first payment is even due.
- Watch for summer bonus events—use your points or rebates to cut down the first BNPL payment.
- Check for fuel point boosters for in-store BNPL orders.
- Don’t forget to turn in digital receipts for cash-back rewards after your BNPL purchase.
This week, compare your rewards and see how much of your next grocery run can be paid with points!
Conclusion
With grocery inflation at a high, BNPL isn’t just a way to stretch your cash—it’s a path to instant savings and bonus perks if you play your cards right. Check for the “pay later” option at your next checkout, stack every digital and loyalty dollar you can, and don’t forget those summer promos. The first step? Open your grocery app and see if BNPL is waiting—your next $25 in savings could be just a click away.