If you have poor credit or minimal credit history, there are still ways to make purchases and pay for them later. buy now pay later no credit check catalogs let you pay for items over time.
It’s important to note that there are two types of credit checks: hard and soft pulls. Soft credit checks don’t hurt your credit score, so choosing a catalog that only runs a soft check can be beneficial.
Keep in mind that there are still risks to your credit if you use buy now, pay later financing. if you can’t make payments on time, your credit score may drop or you may pay late fees.
You should consider the catalog’s payment policies, fees and total cost of financing before making your purchase. leasing fees make the total cost of the item higher than saving for cash.
Below, we list buy now, pay later catalogues/stores that do not do credit checks or only do soft checks to approve financing.
what we recommend
The buy now and pay later options on our list are quite similar in their requirements, available products, and payment policies.
The best option overall is zebit because it doesn’t charge interest or fees and offers in-house credit instead of providing financing through a third party.
leaseville also doesn’t charge interest, although you will pay leasing fees, which means your item will cost more than if you bought it directly from a store.
comparison table
Compare your buy now, pay later options in the table below.
Note that you can sort the table using the arrows at the top of any column or select the name of each retailer to find more information in the list below.
no credit check options
1. zebit
what you sell: appliances, housewares, furniture, electronics and more[1]
buy now pay later program: zebitline[2]
requirements:
- must be 18 years or older[3]
- must verify identity [3]
- You may need to verify your income/employment status[3]
2. tenant
what you sell: electronics, appliances, furniture, jewelry, gardening & amp; lawn, fitness and music equipment[5]
buy now pay later program: rent to own at leaseville[6]
requirements:
- you must provide your social security number and may be required to provide other verification of your identity[7]
- you must provide bank and employer information[7 ]
3. overstock
what it sells: furniture, housewares, electronics and more[8]
buy now pay later program: progressive lease[9]
requirements:
- must be 18 years or older[9]
- must have a valid social security or itin[9]
- must provide your routing and account number for an open and active checking account[9]
- must have a valid credit or debit card [9]
4. large batches
what you sell: furniture and housewares[10]
buy now pay later programme: progressive leasing[ 10]
requirements:
- must be 18 years or older with stable employment for six months[10]
- must provide a social security number or itin[10]
- must have an active checking account and a debit or credit card[10]
5. conn’s home plus
what it sells: furniture, appliances, computers, electronics and more[11]
buy now, pay later program: american first finance[12]
requirements:
- must be 18 years or older[13]
- must have a credit card or debit card[13]
- must have a checking account and provide your account and routing numbers[13]
- must have a government-issued photo ID[13]
soft credit check options
6. fair path
what you sell: furniture, housewares and décor[14]
buy now pay later program: affirm [ 15]
requirements:
- must be 18 years or older (18 in alabama or above state in nebraska)[16]
- you must provide a certificate from usa. uu. valid. address and mobile or voip number[16]
- you must provide your name, email address, date of birth and the last four digits of your social security number[16]
- not available in iowa or west virginia[16]
7. flexible shopper
what you sell: computers, cell phones, electronics, furniture, toys, video games, furniture, appliances, home & garden and more[19]
buy now, pay later program: flexshopper lease-to-own((https://www.flexshopper.com/page/how- works #))
requirements:
- must be 18 years or older (19 in alabama or nebraska and 21 in mississippi)[20]
- must have verifiable income[20]
- must provide social security number or itin[20]
- must provide valid phone number and address[20]
- must have a valid checking account in good standing[20]
- not available to residents of new jersey, minnesota, wisconsin or wyoming[20]
For more financing options, buy now, pay later, check out our online catalog listings with instant credit and flexshopper-like sites.