Do you have a poor credit score? Or don't have a credit score at all? Stick around as we'll see the best Buy Now Pay Later sites for bad credit.
Online shopping is becoming a norm nowadays.
The more days go on, the more we see people choosing to shop online through their mobile phones at the convenience of their homes.
In fact, according to figures from Statistica, over 274 million Americans choose to shop online in 2023, with this figure projected to increase to almost 285 million by 2025.
Given it's numerous benefits, online shopping is not only a habitual practice being carried out by Americans, but also by people from all over the world.
While shopping online, having the most convenient way to pay for your purchases is crucial for maintaining a healthy financial.
Talking of payment methods, there's a new way to pay for online purchases, that is gradually integrating most online stores; — which is the Buy Now, Pay Later (BNPL) payment scheme.
The BNPL payment scheme has noticed lot of improvements over the years, and those using this payment scheme usually buy products for which they can't afford at the moment — and typically pay for the item in a set of instalments (as per the service provider).
Thankfully, most online retailers have partnered with Buy Now Pay Later service providers to let thier customers shop and pay the way they want.
While most BNPL sites require a credit check and screen applicants based on their credit scores, some, on the other hand, are not only ideal for people with bad credit, but equally for those with no credit score at all.
With that being said, if you have a poor credit history, or are looking to shop with BNPL without having to go through a credit check, then you've come to the right place.
To help you out, we've compiled the best Buy Now Pay Later sites for bad credit.
Table of Contents
What is Buy Now Pay Later?
Buy Now, Pay Later (BNPL) is a rapidly growing payment scheme, that is gradually integrating online stores.
It is a type of short-term financing that allows consumers to make purchases and pay for them at a future (scheduled) date. BNPL is generally structured like an installment plan money lending process that involves consumers, financiers, and merchants.
How Buy Now Pay Later Work?
Considering the fact that not everyone might understand the bigger terms used by most online resources, let me explain the way BNPL works with a little example.
Let's say, for example, you visit a popular retailer like Fingerhut in search of an item (say a furniture work), and surprisingly, you find the item you're looking for, at a higher price than what you initially prepared for purchasing that item. Since the site accepts BNPL payments, you can pay for the item you want with that amount (or even lesser than that) and repay the balance as per the terms of the BNPL service provider.
That's just how BNPL works; — you shop your items, add them to your shopping cart, and pay for them in a set of scheduled instalments.
Can I Apply For Buy Now Pay Later Sites With Bad Credit?
Since most BNPL sites usually screen applicants with a credit check, most people with bad credit might think it is impossible for them to shop online and pay through BNPL scheme.
Well that's not the case for all retailers, and yes, you can apply for Buy Now Pay Later sites with bad credit score.
While most sites require a good credit score and screen applicants based on their credit history, some, on the other hand, which we'll see later, do accept applicants with bad credit.
What are the Best Buy Now Pay Later Sites For Bad Credit?
Given the continuous integration of BNPL services in most online retailers, there are now many online stores out there that offer payment plans.
While most of these payment options are ideal for people with good credit score, people with bad credit also find convenient options as there are now some BNPL sites that accept applicants with bad credit.
With that being said, you might want to try out the below options if you're looking for the best Buy Now Pay Later sites for bad credit.
Fingerhut is a popular American retailer with a diverse catalog featuring; Home & Furniture, Sports, Fitness & Outdoors, Health & Beauty, Electronics & Office, Toys & Games, Video Games, Jewelries among others.
Fingerhut offers special financial services to customers; — it allows customers get the credit they need, shop in the most convenient way they want, and pay for their purchases with the company's line of credit.
They offer 2 credit options to customers;
Fingerhut Fetti ® which is a credit account that let's you shop their catalogs whenever you want at the same time, build your credit history.
Fingerhut FreshStart ® which is a financing program designed to help those with bad credit or no credit history startover with increasing their credit score.
When lokking to shop through BNPL at Fingerhut, you'll be required to pay off $30 as down payment at the time of purchase, and complete the balance on a monthly basis.
Additionally, Fingerhut tend to approve people that had been rejected by other sites due of bad credit — making Fingerhut the best Buy Now Pay Later site for bad credit on our list.
2. ABT Electronics & Appliances
Have you ever thought about buying appliances and ABT doesn't come to your mind? Then you got to think again.
Abt Electronics & Appliances is one of the independent family-owned retailers in the United States featuring everything from appliances, electronics, furniture and even more.
ABT Electronics & Appliances is another Buy Now Pay Later site for bad credit.
ABT Electronics accepts BNPL through Affirm, which is one of the best BNPL service providers in the market.
While Affirm might screen people with bad credit, some people with bad credit score of about 689 usually get approved by the service provider.
3. Country Door
Known for its decorative products, Country Door is an online retailer that features anything from Home Decor to clothing catalogs.
Country Door's credit program lets customers with bad credit build start out with building a positive credit score.
Country Door's credit program is known for its high approval rate, would usually approve customers with bad credit — making it one of the best Buy Now Pay Later sites for people with bad credit.
Country Door's credit line usually extends to their customers differently, and as such avoiding them third-party and hidden fees.
Shopping with Country Door's credit program is as easy as follows:
- Shop your items and proceed check out.
- Select Country Door Credit as your payment method.
- Submit your order.
With 49 store locations within the United States, Boscov's is another popular family-owned department store that features a wide variety of products.
You'll usually find Apparel and Shoes for the entire family, Handbags, Cosmetics, Jewelry, Domestics, Small Appliances and Home Decors at Boscov's online store.
Boscov's offers a B Rewarded program where enrolled users get a store credit card that is issued by Comenity Capital Bank.
This program comes with a plethora of shopping benefits, where you earn rewards as you carryout your day-to-day shopping activity through their catalogs.
With the Boscov's credit card, you can shop Boscov's online catalog and checkout with simple steps.
While the Boscov's credit card requires credit approval, people with bad credit usually get approved as the store is equally known for its high approval rate — making Boscov's one of the best Buy Now Pay Later sites for bad credit.
FlexShopper is one of the larget lease-to-own stocked maketplace with a particularly wide selection of branded products.
They feature anything from electronics and appliances, to jewelry and furnitures usually branded by top brands.
FlexShopper's lease-to-own credit program is ideal for people looking to shop online and pay in a set of instalments.
FlexShopper offers affordable weekly payments that let you rent-to-own your products in 12 months or less.
Approvak for this credit program is usually in minutes, and you can get qualified for a credit limit of up to $2,500, which you can use for one or more purchases of your choise.
FlexShopper is also known for its high approval rate, and it is always worth a try for people with bad credit looking to shop through BNPL.
Ginny's is another large online retailer that is known for featuring cookware, appliances, dinnerware, furniture, bed and bath, home décor and gifts.
Ginny's makes its products affordable through a BNPL credit plan that let customers shop now and pay the way the want.
Ginny's share's a similarity with Country Door (mentioned earlier) in that they both extend credit directly to their customers and not through a bank, and as such, avoiding third-party fees and hidden fees.
Ginny's has a high approval rate and their credit plan is convenient for everyone, including people with bad credit — making Ginny's one of the best Buy Now Pay Later sites for bad credit.
7. K. Jordan
Specialized in women's fashion, K. Jordan is one of the places where you'd find anything women's fashion.
K. Jordan financing plan makes it one of the best online stores with payment plans, as it offers a credit plan to its customers to let them shop and split their purchase amount into different instalments.
It is worth mentioning that depending on your state, K. Jordan might charge an interest rate usually starting from 29.99%.
While K. Jordan requires credit approval, it is, however, a BNPL site that's worth a try for people with bad credit as the store is also known for approving people with bad credit.
LeaseVille, as the name might suggest, is another lease-to-own online retailer that let you shop and pay the way you want without hassle.
LeaseVille is home for electronics, furniture, jewelry, furniture, and more amazing products.
LeaseVille No Credit Rent-To-Own program makes the store one of the best Buy Now Pay Later sites for bad credit in that approval is not credit-dependent.
While LeaveVille isn't a BNPL with guaranteed approval, what you'll usually need to get approval is a to have at least $1,200 as monthly income during a 6-month period, and an active checking account that is in good standing.
Once approved for the program, you can get a credit line of up to $3,500.
9. Mason Easy-Pay
Featuring over 500 footwear styles for men, women, kids, toddlers, and infants, Mason Easy-Pay is another great American retailer with lot of things you'll love.
Clothing and footwear is what the retailer is known for as you can find anything from shoes, boots, flip-flops, sandals, or protective weather-wear from its catalogs.
Its financing program, also known as Mason Easy-Pay Credit let you conveniently spread your payments over several months — and you can make payments with this credit for as low as $5.99.
While Mason Easy-Pay is subject to credit approval, people with bad credit would find this a great option as they'll be able to start off with little payments.
Also Read: Best Online Shopping Sites With Credit Lines
10. Midnight Velvet
Midnight Velvet is an American retailer that is services within the United States.
It features anything from women's fashions, jewelry, shoes home decor and more.
Midnight Velvet is another great Buy Now Pay Later site for bad credit that's worth a mention on this list.
It offers BNPL financing through the Midnight Velvet Credit, which lets you shop the way you want.
What's amazing about the Midnight Velvet Credit is its fast approval, and it is an ideal choice for those looking to build credit since it reports to credit bureaus.
Also you get to pay as little as $20 monthly for purchases of up to $200 thereby, spreading the cost of your purchase in convenient monthly payments.
11. The Swiss Colony
Having bad credit doesn't mean you won't get a taste of the delices featured by The Swiss Colony.
Miamm! That's the only word that comes out of your mind when you get to taste the delicious cheese and sausage from The Swiss Colony.
Known for its wide selection of foods, The Swiss Colony is a popular mail-order and electronic retail food chain that features cheese, sausage, chocolate, fruitcakes, and other food products.
The Swiss Colony offers BNPL financing through Swiss Colony Credit that lets you spread the cost of your purchase over several months.
The Swiss Colony monthtly repayment is what makes it even more appealing — you pay as low as $10 monthly for purchases worth $75.
Getting approved for the Swiss Colony Credit usually requires three simple steps:
- Shop for your favorites.
- Choose to pay with Swiss Colony Credit at checkout.
- Answer a few simple questions and get a response fast!
What makes The Swiss Colony even more amazing is its consideration for people with bad credit — they usually give you the option to make a small down payment and improve your credit score as you go — making it one of the best Buy Now Pay Later sites for people with bad credit.
Zebit markets itself as the marketplace for people with less than steller credit, that allows customers shop now and pay later over six months.
It features anything from electronics to jewelry & accessory that you can buy now and pay later over six months.
What's great about Zebit is account approval isn't credit score or credit history dependent — meaning, you can get approval with bad credit — making Zebit one of the best Buy Now Pay Later sites for people with bad credit.
However, Zebit verifies your income history to determine your shopping limit (up to $2,500), and once approved, you can get a credit line ranging between $750 and $1,500.
Stoneberry is another popular retailer that features branded catalogs and is home to top loved products such as electronics, furniture, toys, jewelry, kitchen appliances & more.
Stoneberry BNPL financing program, the Stoneberry Credit is what anybody looking to shop now and pay over time should find appealing.
While Stoneberry might screen most applicants, rejected applicants usually receive a message with the reason why they've been declined, together with the possibility to get your application approved by making a specified down payment for your first order.
What's great with them is you can split the cost of your purchase and pay as little as $5.99 over each month.
Wayfair is a popular online retailer that features top demanded catalogs including; home decor, furnitures, kitchen, baby & kids, and appliances.
Wayfair Financing, a program that lets you shop now and pay over time is one of the demanded BNPL plans in the market.
Wayfair makes BNPL even more convenient for every customer with different credits scores as they partner with top financial companies such as Affirm (Installment Loans), Bread Pay (Installment Loans), Citizens Pay (Lines of Credit), Genesis Credit (Lines of Credit), Fortiva Retail Credit (Lines of Credit & Equal Pay Options), Katapult (Lease-To-Own Options), acima (Lease-To-Own Options), and Progressive Leasing (Lease-To-Own Options), to offer customers the best shopping experience they wouldn't find anywhere else.
Considering its partner companies Wayfair has, there's no doubt people with bad credit should have a financing option with this company.
Wayfair's Financial program makes it one of the best Buy Now Pay Later sites for bad credit worth a mention on our list.
15. Montgomery Ward
Montgomery Ward first started as Montgomery Ward & Co., which was a world-pioneering mail-order business and later also a leading department store chain that operated between 1872 and 2001.
Now, Montgomery Ward has evolved to be one of the best online retailers that features anything furniture, home decor, electronics, jewelry and even clothing.
It offers BNPL financing through the Montgomery Ward Credit which gives customers a line of credit that will let them shop now and pay over time, with monthly payments start as from $10.
Montgomery Ward has flexible payment plans for people with bad credit — making it one of the best Buy Now Pay Later sites for people with bad credit.
Should I Use Buy Now Pay Later Sites For Bad Credit?
Knowing whether you should use BNPL sites with bad credit is crucial for maintaining a healthy financial, because no one would love ending up being financially frustrated.
Buy Now Pay Later sites are good for use even if you're on bad credit, but there are some conditions for using them, which are as follows;
- Use BNPL if you can meet repayments: Before even thinking to get a financial through BNPL, it is always good to make sure that you can meet the timely repayments scheduled by the service provider, else you'd end up paying not only late fees, but also penalties which can get you in frustration situation.
- Use BNPL if you don't overspend: The amount of money you spend for your needs, rent, bills plays a huge role when looking to determine if you can go in for BNPL. If your expenditures are more than what you can save every month, then it wouldn't be a smart idea to go in for BNPL.
However, if you find yourself in any of the conditions below, then don't even consider BNPL as an option for you;
- You're struggling financially: If you're struggling to provide for your needs and pay your bills, then don't even consider going in for BNPL since repayment might make you end up with nothing at hand.
- You can't keep track of repayment: Being able to repay your BNPL financing is a crucial factor to consider when looking to go in for it. If you missed repayments in the past either intentionally, or because you just forgot you had to repay your loan, then considering BNPL is a bad idea.
Do Buy Now Pay Later Sites Improve My Credit Score?
Yes, most BNPL sites usually offer flexible options for customers with bad credit looking to improve their credit score.
In most cases, a good start will be by making a required down payment which might give you access to more opportunities offered by the site.
Are Buy Now Pay Later Sites For Bad Credit Worth It?
Well, I can't really say BNPL sites for bad credit are really worth it.
Most BNPL sites usually charge excessive fees for using BNPL which makes it already a discouraging factor for people with bad credit, as they might find it really difficult to repay their loan together with the fees.
However, I'll recommend going in for personal loans which come more flexible and approval for people with bad credit isn't a hassle.
Frequently Asked Questions
What websites let you buy now pay later?
Most websites nowadays including; Amazon, Fingerhut, FlexShopper, Country Door offer payment plans which let you buy now and pay later in several installments.
Does Afterpay work with bad credit?
Afterpay does not disclose what credit score that is required to get approval. However, there are greater chances you can get approved for Afterpay with bad credit.
Does buy now pay later check credit?
That depends on the service. While most BNPL sites such as Fingerhut perform a credit check, some such as Zebit, on the other hand, do not screen applicants based on their credit score.
Who are the biggest buy now, pay later companies?
The biggest buy now, pay later companies include Affirm, Afterpay, Klarna, Splitit, Sezzle, Perpay, PayPal Pay in 4.
BNPL is rapidly intergrating online stores and now, you can shop and split your purchase amount into several installments as per the service provider terms.
While considering a BNPL site for bad credit, always consider checking their fees.
If the BNPL sites terms aren't appealing to you, then I'll recommend going in for personal loans, which come with even more convenient terms.