Toggle menu
SHOP NOW, PAY LATER.
Finance your purchase in 3-36 equal monthly payments.
HOW IT WORKS
Shop online
Fill your cart
with at least $100
Checkout
Select Citizens Pay® as your payment method
Apply
Get an instant decision to complete your purchase
$0 due today
no fees
$100 minimum
purchase
No impact to your credit score.
frequently asked questions
What is Citizens Pay?
Citizens Pay is a flexible, omni-channel shop-now-pay-later lending solution that enables customers to buy what they want without risking their financial future. Citizens Pay is a brand name of Citizens Bank, N.A.
Will I pay fees?
Please refer to the Line of Credit Account Summary Table for information on fees that may be associated with your account.
How much can I borrow?
The amount you can borrow is dependent upon each person’s credit history.
What are the term lengths?
Citizens Pay program terms and offers are specific for each customer. The available terms range from 3-36 months and will be displayed to approved customers based on credit.
What can I buy with Shop Now, Pay Later through Z Gallerie?
All items are available to purchase with Shop Now, Pay Later. The minimum purchase amount is $100.
Will this be available In Store and Online?
Citizens Pay is currently available online at www.zgallerie.com and in retail stores.
How do I use Shop Now, Pay Later?
At checkout, select Citizens Pay for your payment method, select your terms, confirm the order and your Citizens Pay account will be used for the purchase.
Will checking my eligibility for Citizens Pay impact my credit score?
Citizens Pay checks eligibility using a soft credit pull which will only be visible to you and will not impact your score or be visible to other potential lenders.
When will my credit report be impacted by an application for a Citizens Pay Line of Credit?
Once you review and agree to the Line of Credit Terms and Conditions and submit the Line of Credit application, Citizens Pay will use a hard credit pull to help make a credit decision. The hard credit pull inquiry will be reflected on your credit report. Applications are subject to individual approval.
Terms & Conditions: Reduced APR: Available on qualifying purchases of select products charged to a Citizens Pay Line of Credit Account. Please see the Citizens Pay Line of Credit Agreement for important information about Rates and Fees. Citizens Pay Line of Credit Account offered by Citizens Bank, N.A.
Standard Purchase APR: 29.99%. Regular account terms apply to non-promo purchases. 0%-29.99% APR from date of purchase for 3-36 payments based on creditworthiness. Limited time offer. Minimum Purchase: $100.
SHOP NOW, PAY LATER.
Finance your purchase in 3-36 equal
monthly payments.
HOW IT WORKS
Shop online
Fill your cart
with at least $100
Checkout
Select Citizens Pay®
as your payment method
Apply
Get an instant decision to complete your purchase
$0 due today
no fees
$100 minimum
purchase
No impact to your credit score.
frequently asked
questions
What is Citizens Pay?
Citizens Pay is a flexible, omni-channel shop-now-pay-later lending solution that enables customers to buy what they want without risking their financial future. Citizens Pay is a brand name of Citizens Bank, N.A.
Will I pay fees?
Variable APR interest, but no late fees, no deferred interest, no gimmicks.
How much can I borrow?
The amount you can borrow is dependent upon each person’s credit history.
What are the term lengths?
Citizens Pay program terms and offers are specific for each customer. The available terms range from 3-36 months and will be displayed to approved customers based on credit.
What can I buy with Shop Now, Pay Later through Z Gallerie?
All items are available to purchase with Shop Now, Pay Later. The minimum purchase amount is $100.
Will this be available In Store and Online?
Citizens Pay is currently available online at www.zgallerie.com and in retail stores.
How do I use Shop Now, Pay Later?
At checkout, select Citizens Pay for your payment method, select your terms, confirm the order and your Citizens Pay account will be used for the purchase.
Will checking my eligibility for Citizens Pay impact my credit score?
Citizens Pay checks eligibility using a soft credit pull which will only be visible to you and will not impact your score or be visible to other potential lenders.
When will my credit report be impacted by an application for a Citizens Pay Line of Credit?
Once you review and agree to the Line of Credit Terms and Conditions and submit the Line of Credit application, Citizens Pay will use a hard credit pull to help make a credit decision. The hard credit pull inquiry will be reflected on your credit report. Applications are subject to individual approval.
Terms & Conditions: Reduced APR: Available on qualifying purchases of select products charged to a Citizens Pay Line of Credit Account. Please see the Citizens Pay Line of Credit Agreement for important information about Rates and Fees. Citizens Pay Line of Credit Account offered by Citizens Bank, N.A.
Standard Purchase APR: 29.99%. Regular account terms apply to non-promo purchases. 0%-29.99% APR from date of purchase for 3-36 payments based on creditworthiness. Limited time offer. Minimum Purchase: $100.