Costco has officially changed the game for shoppers by rolling out a buy now pay later option, making it easier than ever to spread out payments on expensive purchases.
This move, powered by a new partnership with Affirm, means Costco members can now shop stress-free without worrying about paying everything upfront or dealing with sneaky fees later.
The new system covers purchases from $500 up to $17,500 and offers monthly payment plans with transparent pricing, no hidden fees, no late charges. You simply pick the plan that works for you and pay in installments. Whether you’re upgrading your patio furniture, snagging a new grill, or buying major appliances, this gives you more financial flexibility.
Affirm, already partnered with giants like Walmart, Amazon, Peloton, and Best Buy, brings a reputation for clear, fair payment plans to Costco. Affirm’s SVP of Revenue, Pat Suh, said the timing is perfect, especially with summer coming when customers tend to buy outdoor essentials. Costco members who love buying in bulk now have a powerful new way to manage their spending on those bigger-ticket items without the usual credit card headaches.
Here’s a quick look at the payment plans you can choose from with Affirm at Costco:
Purchase Amount Range Typical Payment Terms Fees & Interest
$500 – $1,000 3 to 6 monthly installments No hidden fees or late charges
$1,001 – $5,000 6 to 12 monthly installments Transparent pricing, no surprises
$5,001 – $17,500 Up to 24 monthly installments Flexible, no hidden fees
This table makes it clear: whatever your budget, there’s an option to fit your needs with full transparency.
But while shoppers gain this awesome new buy now pay later benefit, Costco Travel has quietly pulled a major perk. If you’re someone who loved booking Disneyland Resort packages through Costco, heads up, those are no longer available. A Reddit post and confirmation on the Costco Travel website have left many fans disappointed, sparking confusion and frustration on social media.
Costco Travel will still offer packages for Walt Disney World, Aulani, and Disney cruises, but Disneyland Resort bookings appear to be off the menu, likely because Costco’s contract with Disneyland ended. Fans who cherished those packages remember that while the price matched booking direct, the perks were what made it special, think collectible pins, lanyards, and Disney gift cards valued between $100 and $250.
Meanwhile, Costco is tightening up its membership rules. The primary cardholder is the only person allowed to shop with their card, and the photo on the card must match who’s using it. You can still add one free household member living at your address who gets their own card and can shop independently. Guests are allowed but can’t make purchases without the member. For anyone else outside your household, you’ll need to pay to add them as an authorized cardholder. Costco’s crackdown means membership sharing is getting stricter, so be careful.
In short, Costco’s new buy now pay later plan with Affirm is the real deal, offering you much-needed flexibility without hidden fees or surprises. But if you were hoping to score Disneyland Resort deals through Costco Travel, that perk has sadly vanished. Either way, this move signals Costco is adapting to what shoppers want: smarter, easier ways to buy now and pay later.
