7 Buy Now, Pay Later Catalogs (Most With No Credit Check)

If you have bad credit or a minimal credit record, there are still ways to make purchases and pay for them later. Buy now, pay later catalogs with no credit check are one option.

It’s important to note that there are two types of credit checks: hard and soft pulls. Soft credit checks don’t harm your credit score — so choosing a catalog that only runs a soft check can be beneficial.

Be aware that there are still risks to your credit if you use buy now, pay later financing. If you’re unable to make payments on time, your credit score may drop, or you may pay late fees.

You should note the catalog’s payment policies, fees, and total financing costs before making your purchase. Leasing fees make the total cost of the item higher than if you save up to buy it in cash.

Below, we list the buy now, pay later catalogs/stores that either don’t run credit checks or only run soft checks in order to approve financing.

What We Recommend

The buy now, pay later options on our list are all quite similar in their requirements, available products, and repayment policies.

The overall best options are Zebit and LeaseVille due to the fact that they don’t charge interest or fees. They also offer in-house credit rather than providing financing through a third party.

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 each retailer’s name to find more information in the list below.

No Credit Check Options

1. Zebit

• What it sells: Appliances, home goods, furniture, electronics, and more[1]
• Buy now, pay later program: Zebit Spending Limit[2]
• Requirements:
  • Must be 18 or older[3]
  • Must verify your identity[3]
  • May need to verify your income/employment status[3]
• Down payment: Due at checkout[2]
• Interest and fees: None[4]
• Apply

2. LeaseVille

• What it sells: Electronics, appliances, furniture, jewelry, lawn & garden, fitness, and music equipment[5]
• Buy now, pay later program: LeaseVille Rent to Own[6]
• Requirements:
  • Must provide your Social Security number and other verification of your identity[7]
  • Must provide banking and employer information[7]
• Down payment: First lease payment due before items will ship[7]
• Interest and fees: None[7][8]
• Apply

3. Overstock

• What it sells: Furniture, home goods, electronics, and more[9]
• Buy now, pay later program: Progressive Leasing[10]
• Requirements:
  • Must be 18 or older[10]
  • Must have a valid Social Security number or ITIN[10]
  • Must provide your routing and account numbers for an open, active checking account[10]
  • Must have a valid credit or debit card[10]
• Down payment: First payment due immediately after signing[10]
• Interest and fees: None[10][11]
• Apply

4. Big Lots

• What it sells: Furniture and home goods[12]
• Buy now, pay later program: Progressive Leasing[13]
• Requirements:
  • Must be 18 or older with steady employment for six months[13]
  • Must provide a Social Security number or ITIN[13]
  • Must have an active checking account and a debit or credit card[13]
• Down payment: [13]
• Interest and fees: None[13][11]
• Apply

5. Conn’s Home Plus

• What it sells: Furniture, appliances, computers, electronics, and more[14]
• Buy now, pay later program: American First Finance[15]
• Requirements:
  • Must be 18 or older[16]
  • Must have a credit card or debit card[16]
  • Must have a checking account and provide your account and routing numbers[16]
  • Must have a government-issued photo ID[16]
• Down payment: May need a security deposit[15]
• Interest and fees: Vary depending on your lease[15]
• Apply

Soft Credit Check Options

6. Wayfair

• What it sells: Furniture, home goods, and decor[17]
• Buy now, pay later program: Affirm[18]
• Requirements:
  • Must be 18 or older (19 in Alabama or for wards of the state in Nebraska)[19]
  • Must be a U.S. resident[19]
  • Must have a Social Security number[19]
  • Must have a U.S. registered phone number that receives SMS[19]
• Down payment: Varies on a case-by-case basis; required if you don’t qualify for the full amount of your purchase[20]
• Interest and fees: No fees; APR varies depending on your creditworthiness[21]
• Apply (at checkout)

7. FlexShopper

• What it sells: Computers, cell phones, electronics, furniture, toys, video games, furniture, appliances, home & garden, and more[22]
• Buy now, pay later program: FlexShopper Lease-to-Own[23]
• Requirements:
  • Must be 18 or older (19 in Alabama or Nebraska and 21 in Mississippi)[24]
  • Must have provable income[24]
  • Must provide a Social Security number or ITIN[24]
  • Must provide a valid phone number and address[24]
  • Must have a valid checking account in good standing[24]
  • Must be a U.S. resident; not available to residents of New Jersey, Minnesota, Wisconsin, or Wyoming[24]
• Down payment: First payment deducted after product arrives; security deposit may be required[25]
• Interest and fees: No interest;[26] leasing charges vary depending on how quickly you pay off the item, with a minimum of more than the merchant price[24]
• Apply

For more buy now, pay later financing options, see our lists of online catalogs with instant credit and sites similar to FlexShopper.

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