Why BNPL Is the New Wardrobe Essential?

Once seen as just a payment method, Buy Now, Pay Later (BNPL) has become a wardrobe essential for the modern fashion lover. It redefines online fashion, transforming how we access the latest fashion trends. Imagine snagging that chic Gucci bag or the latest Polo Ralph Lauren from the best online clothing stores without the immediate financial hit.

BNPL makes this possible by spreading the cost over some time. Suddenly, the new arrivals and best sellers from top fashion brands, such as Zara or Madewell, feel within reach. This isn’t just about high-ticket items; it empowers you to build a versatile wardrobe, from a basic bra to on-trend streetwear.

Suppose you are browsing top clothing stores or a niche fashion retailer. In that case, BNPL bridges the gap between aspiration and ownership, making the latest fashion more accessible to everyone and turning a simple shopping trip into an empowering experience.

How We Chose Our “Top Clothing Stores”?

Choosing our list of top clothing stores is more than just a task; it’s a fashion expedition. We dive deep into the world of retail, seeking out the places that don’t just sell garments but deliver an experience, transforming shopping from a chore into a discovery. Our process is a meticulous blend of data-driven analysis and a genuine passion for style, ensuring every name on our list has truly earned its spot.

Here’s a glimpse into how we curate our selection:

• Voice of the Shopper: We begin by listening. Scouring reviews and social media, we look for buzz around popular clothing brands and retail stores celebrated for their excellent customer service. A store’s reputation is built one happy customer at a time.
• Style for Every Story: Our list celebrates diversity. We offer a diverse range of products, from affordable fashion to high-end luxury clothing, ensuring a rich variety of brands. We prioritize stores that offer extensive clothing and accessories, including dedicated lines for men’s clothing and inclusive plus-size options.
• Quality & Conscience: We believe great style shouldn’t come with a hidden cost. We look for a genuine commitment to sustainability, championing brands that are as kind to the planet as they are fashion-forward.
• The ‘It’ Factor: Beyond the basics, we hunt for the pulse of what’s new and exciting. We spotlight stores that are masters of trendy clothing, offering unique pieces that help you express your style with confidence and flair.

Top 10 Clothing Stores Embracing BNPL in 2025

1. Levi’s

As one of the most iconic top clothing stores in the world, Levi’s brings its timeless American style into the modern age by offering Afterpay. This allows you to invest in their legendary denim and quality apparel with more financial flexibility.

• Denim for Everyone: From the classic 501s to modern cuts, Levi’s provides an extensive range of popular clothing, including a great selection of men’s clothing and expanding options in plus-size clothing.
• Beyond the Jean: While famous for denim, their collection of clothing and accessories includes trucker jackets, graphic tees, and other durable staples that define casual cool.
• Lasting Style: With a growing commitment to sustainability, investing in a piece from Levi’s means owning a part of a fashion legacy, making it more than just trendy clothing.

By integrating Afterpay, Levi’s ensures its heritage of quality and style remains accessible to a new generation of fashion-forward shoppers seeking pieces that last.

2. ASOS

ASOS continues its reign as a global fashion hub by partnering with Klarna, making its massive and diverse inventory instantly attainable. It’s the ultimate destination for those who want endless choice without the upfront financial commitment.

• Unmatched Variety: ASOS is one of the few retail stores where you can find everything from exclusive collaborations to a huge variety of brands, including extensive plus-size clothing and men’s clothing lines.
• Trend-Driven Hub: As a leader in trendy clothing, ASOS is perfect for discovering the latest styles, whether you’re after edgy streetwear or sophisticated formalwear. Their offerings define what’s currently fashion-forward.
• Global Style, Localized Feel: Despite its size, ASOS provides a user-friendly shopping experience and robust selection of clothing and accessories that cater to a global audience seeking both high-end and affordable fashion.

With Klarna, you can experiment with your style, grabbing everything from graphic tees to tailored suits, making ASOS a top choice for fashion lovers everywhere.

3. American Eagle

American Eagle captures the spirit of youthful energy and casual comfort, and with Afterpay, its popular clothing becomes even more accessible. It’s the go-to store for relaxed, everyday style that feels both current and timeless.

• Casual Wear Perfected: Known for its signature denim, graphic tees, and cozy essentials, American Eagle offers a wide range of casual clothing and accessories for a laid-back lifestyle.
• Inclusivity at its Core: The brand is celebrated for its inclusive sizing, featuring a leading plus-size clothing range and a body-positive message that resonates with its fashion-forward audience.
• Commitment to Better: American Eagle is enhancing its commitment to sustainability through its “Real Good” collection, offering more eco-conscious choices at an affordable price.

Using Afterpay at checkout allows you to stock up on trendy clothing, such as denim shorts and tees, making this one of the top clothing stores for effortless style.

4. Adidas

Adidas solidifies its place at the intersection of sport and street style by offering Klarna, allowing fans to purchase the latest drops and classic designs with flexible payment options. It’s where performance technology meets fashion-forward design.

• Iconic Sportswear & Streetwear: From the stadium to the street, Adidas is a leader in high-performance athletic gear and trendy clothing. It’s a top destination for sneakers, tracksuits, and men’s clothing.
• A Universe of Styles: As one of the most popular clothing brands, Adidas offers a vast array of styles and collaborations, ranging from high-fashion partnerships to timeless Originals.
• Innovation and Heritage: The brand continuously pushes boundaries in both athletic innovation and its commitment to sustainability, ensuring its clothing and accessories are both cutting-edge and responsibly made.

Paying with Klarna makes it easier than ever to own a piece of the three-stripes legacy, whether you’re after sporty sneakers or the latest streetwear apparel.

5. Anthropologie

Anthropologie offers a whimsical escape into a world of boho-chic fashion and enchanting home décor. By integrating Afterpay, its unique and artistic treasures become more attainable for those looking to express their individuality.

• Artful & Eclectic: More than just one of the top clothing stores, Anthropologie is a lifestyle destination known for its beautifully crafted dresses, unique clothing and accessories, and artisanal home goods.
• Bohemian Luxury: While offering pieces that feel like luxury clothing, the brand creates a dreamy, curated experience that is both inspiring and aspirational for the fashion-forward shopper.
• For Women, By Women: With a focus on unique designs and excellent customer service, Anthropologie has cultivated a loyal following that appreciates its distinct point of view and varied selection, including plus-size clothing.

The flexibility of Afterpay allows you to bring home that perfect boho dress or piece of home décor, making Anthropologie’s creative world yours to enjoy now.

6. Urban Outfitters

Urban Outfitters remains a cultural touchstone for trendy clothing and vintage-inspired style. By offering interest-free instalments, it empowers its young, fashion-forward audience to curate their unique look without breaking the bank.

• Curator of Cool: As one of the most popular clothing retail stores, UO excels at blending retro aesthetics with modern trends, offering everything from graphic tees and baggy jeans to unique apartment wares.
• A Hub for Brands: The store features an eclectic variety of brands alongside its in-house labels, making it a one-stop shop for both established names and emerging designers in men’s clothing and women’s apparel.
• Expressive & Edgy: It’s the perfect place to find clothing and accessories that make a statement, catering to a diverse audience that values creativity and self-expression.

Splitting your purchase into instalments makes it easy to grab those vintage-inspired tees and perfectly worn-in denim, keeping your style fresh and authentic.

7. Old Navy

Old Navy continues its mission to make fashion fun and accessible for the whole family by offering Affirm at checkout. It’s a leader that affords delivering on-trend styles built for real life.

• Fashion for the Family: As one of the top clothing stores for families, Old Navy provides a wide selection of popular clothing for women, men, kids, and even offers a fantastic maternity wear section.
• Unbeatable Value: Renowned for its budget-friendly prices, the store makes it easy to stock up on essentials like tees, jeans, and activewear without compromising on style or quality. They also offer a great range of plus-size clothing.
• Bright & Optimistic Style: Old Navy’s clothing and accessories are always cheerful and practical, making it one of the most beloved retail stores for everyday wear.

With Affirm’s flexible payment options, outfitting the entire family in trendy clothing becomes even more manageable and budget-friendly.

8. SHEIN

As a dominant force in fast fashion, SHEIN’s integration of Afterpay makes its incredibly vast and trendy clothing selection almost irresistible. It’s the ultimate playground for those who want to experiment with the latest styles at hyper-affordable prices.

• Endless Trends: SHEIN is a powerhouse of affordable fashion, offering a staggering variety of brands and styles, from niche aesthetics to mainstream looks, including extensive options for plus-size clothing.
• Ultra-Fast Fashion: New clothing and accessories are added daily, making it one of the most dynamic retail destinations for fashion-forward individuals who want to stay ahead of the curve.
• Global Phenomenon: The brand has become synonymous with viral trends and is one of the most popular online clothing destinations, catering to a global audience eager for newness.

Using Afterpay allows you to haul the latest trend-forward finds and refresh your wardrobe instantly, solidifying SHEIN’s position as a go-to for quick style updates.

9. Puma

Puma sprints ahead in the world of athletic wear by offering Klarna, blending its rich sporting heritage with a modern, fashion-forward edge. This partnership makes its high-performance gear and stylish streetwear more accessible to all.

• Performance Meets Style: Puma excels at creating athletic apparel, sneakers, and clothing and accessories that perform on the track and look great on the street, making it a staple for both athletes and style enthusiasts.
• A Legacy of Cool: As one of the top clothing stores for sportswear, Puma boasts a deep archive of classic designs while constantly innovating with new technologies and high-profile collaborations.
• Diverse & Inclusive: Offering a wide range of men’s clothing and women’s apparel, as well as a growing selection of plus-size clothing, Puma is committed to outfitting every body.

With the flexibility of Klarna, grabbing the latest pair of sneakers or performance-driven, trendy clothing is easier than ever.

10. Nordstrom

When it comes to top clothing stores that strike a balance between luxury and accessible style, Nordstrom consistently sets the standard. Known for its curated variety of brands and commitment to sustainability, Nordstrom now makes it even easier to own fashion-forward pieces with Buy Now, Pay Later options through Klarna and Affirm.

• Flexible Payments: Choose Klarna or Affirm at checkout to split your purchases, whether it’s men’s clothing, plus-size clothing, or designer denim.
• Designer Must-Haves: From trendy clothing to classic staples like statement tees and structured jackets.
• Wide Range of Styles: Offers affordable fashion alongside high-end items, making it a go-to for every budget.
• Excellent Customer Service: Nordstrom’s legendary service makes every shopping trip feel like a personalized experience.
• Inclusive Fashion: Carries an extensive selection of clothing and accessories for all body types and occasions.

If you are shopping in-store or online, Nordstrom remains a fashion-lover’s dream now with a smarter way to pay.

Conclusion: Stretch Your Style, Not Your Budget

In 2025, the landscape of shopping has undergone a complete transformation, with Buy Now, Pay Later at the heart of this revolution. The convenience of splitting payments has empowered shoppers, turning aspiration into acquisition for everything from essential denim and tees to coveted luxury clothing.

This shift enables smarter budgeting across a wide range of brands and styles. The top clothing stores have embraced this, making trendy clothing, men’s clothing, and extensive plus-size clothing collections more accessible than ever.

This is more than a trend; it’s a fashion-forward movement toward financial wellness and style freedom. It’s about making affordable fashion a reality and supporting brands with a commitment to sustainability without the upfront cost.

Ready to stretch your style, not your budget? Try one of these top clothing stores today, your future self (and your bank balance) will thank you.