26 Buy Now, Pay Later Sites and Catalogs (Some With No Credit Check)

William Lipovsky headshot William Lipovsky
Verified & Updated Sep 7, 2020

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Many websites and catalogs (both online and physical) offer buy now, pay later payment options which allow you to pay for purchases over time rather than all at once. These options include store credit cards, rent-to-own and lease-to-own programs, and installment plans — either in-house or through a third-party financing company. Many buy now, pay later payment plans accept customers with less-than-perfect credit, and some even require no credit check.

When applying for buy now, pay later programs, you should be aware of things like late fees and interest rates to be sure that you can afford to pay off the total purchase. To avoid overpaying on a buy now, pay later purchase, be sure to only buy items you can afford to pay off. It’s a good idea to have a plan in place to pay off the item so you can avoid missed payments, late fees, interest accrual, and other repayment issues.

Below, we list the buy now, pay later websites and catalogs in several categories, including information about their fees and terms.

What We Recommend

If looking for a general buy now, pay later option that can cover different types of purchases, choose a retailer like Fingerhut or FlexShopper that sells products in a variety of categories. Product-specific options in our list specifically cover items like clothing and pet goods, but general retailers offer you more shopping options — especially if you receive a high limit or choose to use the buy now, pay later service more than once.

The overall best option, if it has the product(s) you’re looking for, is Zebit. This buy now, pay later marketplace does not charge any interest or late fees for its services. HSN and QVC are also worth considering for their flexible payment options (with two buy now, pay later payment methods available at each store).

Comparison Table

You can use the table below for a brief comparison of the sites and catalogs with buy now, pay later financing plans, including information about the financing options and terms. Click any store’s name to jump to that store in our list or scroll below for more details.

Company Credit Requirement APR Late Fees
Fingerhut Fair About 30% Up to $40
Boscov's Fair About 23% Up to $40
FlexShopper Poor 0% Varies
HSN Fair 0% to 27% Up to $37
Stoneberry Fair Up to about 24% Up to $15
Gettington Poor About 30% Up to $40
Ginny's Poor 5% to 26% Up to $15
QVC Varies 0% to 27% Up to $37
Zebit No credit check 0% None
LeaseVille Varies 0% None
Seventh Avenue Poor 6% to 26% Up to $15
Monroe and Main Poor 6% to 26% Up to $15
Midnight Velvet Poor 6% to 26% Up to $15
Ashro Poor 6% to 26% Up to $15
fullbeauty Fair Around 27% Up to $40
Wayfair Poor Variable None
Bob's Discount Furniture None for AcceptanceNOW; fair for credit card Variable for AcceptanceNOW; about 29% for credit card Up to $38 for credit card
Country Door Poor 6% to 26% Up to $15
Furniture7 Varies 0% Varies by state
LutherSales Varies 17% to 23% $20 or 5% of payment
MDG Varies 19% to 36% Varies
Bradford Exchange Varies 0% None
Fascinating Diamonds Poor 10% to 30% None
Oui Oui Frenchie No credit check 0% Up to 25% of the order amount
Dog.com Fair About 25% Up to $40

The List

We’ve organized this list of buy now, pay later retail stores by what they sell. Within each category, we order the lists starting with the best overall options. Most of these options are only available online, though some also have physical stores.

General Retail

Zebit

  • Buy now, pay later option(s): ZebitLine[1]
  • Credit requirement: None; Zebit does not run a credit check when you sign up[2]
  • APR: None[3]
  • Late fee: None[3]
  • In-store option: None[1]
  • Apply

LeaseVille

  • Buy now, pay later option(s): Lease-to-own program[4]
  • Credit requirement: None; LeaseVille will check your income/employment and bank account information and does not run a hard credit check when you apply[5]
  • APR: None[5]
  • Late fee: None; LeaseVille deducts payments from your checking account, so you may face overdraft fees from your bank instead of late fees[6]
  • In-store option: None[4]
  • Apply

HSN

  • Buy now, pay later option(s): HSN Card[7] or FlexPay[8]
  • Credit requirement: Both payment options are subject to credit approval, but there is no set minimum score[7][8][9]
  • APR: None for FlexPay;[8] variable up to about 27% for the HSN Card[10]
  • Late fee: None for FlexPay;[8] up to $37 for the HSN Card[11]
  • In-store option: Has outlet stores in Florida, but operates primarily online and by phone[12]
  • Apply

QVC

  • Buy now, pay later option(s): Easy Pay[13] or QCard[14]
  • Credit requirement: No set minimum for either payment option; approval is based on a number of factors, including item type, price, payment history, and credit approval[15][16][17]
  • APR: None for Easy Pay[13]; up to about 27% for the QCard[18]
  • Late fee: None for Easy Pay[15]; up to $37 for the QCard[18]
  • In-store option: None; QVC conducts sales by phone and online[19]
  • Apply

Stoneberry

  • Buy now, pay later option(s): Stoneberry Credit[20]
  • Credit requirement: No minimum score, but may approve you for a lower limit if you have bad credit[21]
  • APR: Up to about 24%[21]
  • Late fee: Up to $15[21]
  • In-store option: None, but does offer a physical catalog[22]
  • Apply

Ginny’s

  • Buy now, pay later option(s): Ginny’s Credit Account[23]
  • Credit requirement: No set minimum; may accept applicants with poor credit[24]
  • APR: Variable from about 5% to 26%[25]
  • Late fee: Up to $15[25]
  • In-store option: None, but you can request a physical catalog[26]
  • Apply

Seventh Avenue

  • Buy now, pay later option(s): Seventh Avenue Credit[27]
  • Credit requirement: No set minimum; accepts some applicants with poor credit[28]
  • APR: Variable between about 6% and 26%[29]
  • Late fee: Up to $15[29]
  • In-store option: Seventh Avenue has outlet stores in Iowa and Wisconsin.[30] You can also request a physical catalog.[31]
  • Apply

Boscov’s

  • Buy now, pay later option(s): Boscov’s Credit Card[32]
  • Credit requirement: Does check your credit, but only requires a fair score (around 580+)[33][34]
  • APR: About 23%[35]
  • Late fee: Up to $40[35]
  • In-store option: About 50 stores in Connecticut, Delaware, Maryland, New Jersey, New York, Ohio, and Pennsylvania[36]
  • Apply

FlexShopper

  • Buy now, pay later option(s): Lease-to-own program[37]
  • Credit requirement: No set minimum; accepts applicants with bad credit and uses third-party credit reporting services rather than the three major bureaus[38]
  • APR: None, but it does charge leasing fees, which vary depending on your lease agreement[39]
  • Late fee: Varies by lease agreement[39]
  • In-store option: None; FlexShopper is online-only[40]
  • Apply

See our related research for more about how FlexShopper works and other sites like it.

Fingerhut

  • Buy now, pay later option(s): WebBank/Fingerhut Advantage Credit Account[41]
  • Credit requirement: No set minimum; offers the FreshStart program for applicants with lower credit or less history[42][43]
  • APR: About 30%[41]
  • Late fee: Up to $40[41]
  • In-store option: None; Fingerhut is online-only[44]
  • Apply

Gettington

  • Buy now, pay later option(s): Gettington Credit[45]
  • Credit requirement: Accepts applicants with bad credit[46]
  • APR: Around 30%[47]
  • Late fee: Up to $40[47]
  • In-store option: None[48]
  • Apply

Clothing

Monroe and Main

  • Buy now, pay later option(s): Monroe and Main Credit[49]
  • Credit requirement: No set limit; will consider applicants with poor or better credit but will charge higher interest rates for those with poor credit[50]
  • APR: Around 6% to 26% depending on your credit history[51]
  • Late fee: Up to $15[51]
  • In-store option: None, but you can request a physical catalog[52]
  • Apply

Midnight Velvet

  • Buy now, pay later option(s): Midnight Velvet Credit[53]
  • Credit requirement: No set minimum; will consider applicants with poor credit [54]
  • APR: Around 6% to 26%[55]
  • Late fee: Up to $15[55]
  • In-store option: None[56]
  • Apply

Ashro

  • Buy now, pay later option(s): Ashro Credit[57]
  • Credit requirement: No set minimum; will consider borrowers with poor credit[58]
  • APR: Around 6% to 26%[59]
  • Late fee: Up to $15[59]
  • In-store option: None, but you can request a physical catalog[60]
  • Apply

fullbeauty

  • Buy now, pay later option(s): fullbeauty Credit Card[61]
  • Credit requirement: No set minimum; you can usually qualify with fair or higher credit[62]
  • APR: Around 27%[63]
  • Late fee: Up to $40[63]
  • In-store option: None[64]
  • Apply

For more clothing store credit options, see our list of clothing store cards to consider and our dedicated list of buy now, pay later clothing catalogs and stores.

Furniture and Home Decor

Wayfair

  • Buy now, pay later option(s): Three-, six-, and 12-month plans with Affirm[65]
  • Credit requirement: Affirm approves most customers, even with poor credit[66]
  • APR: Variable; your rate will appear at checkout[67]
  • Late fee: None[67]
  • In-store option: One retail store and one outlet store, but primarily does business online[68]
  • Apply

Country Door

  • Buy now, pay later option(s): Country Door Credit[69]
  • Credit requirement: Requires a check but accepts poor credit[70]
  • APR: Varies from around 6% to 26%[71]
  • Late fee: Up to $15[71]
  • In-store option: None; Country Door has a physical location but the “Decorate Now, Pay Later” program is only available online[72]
  • Apply

Furniture7

  • Buy now, pay later option(s): Progressive Leasing for up to 12 months[73]
  • Credit requirement: No set minimum credit score; must have verifiable income and an active bank account[74]
  • APR: None; Progressive Leasing charges a leasing fee rather than interest[74]
  • Late fee: Varies by state[75]
  • In-store option: None[76]
  • Apply

LutherSales

  • Buy now, pay later option(s): Allotment loans with terms up to 36 months[77]
  • Credit requirement: LutherSales prioritizes employment history over credit history; unless you have been at your job less than three months, you can be approved with bad credit. If you don’t have three months of continuous employment, you might still qualify with a down payment.[78]
  • APR: Varies by state from 17% to 23%[79]
  • Late fee: $20 or 5% of the payment, whichever is greater[79]
  • In-store option: None[80]
  • Apply

Bob’s Discount Furniture

  • Buy now, pay later option(s): AcceptanceNOW or the My Bob’s Card by Wells Fargo[81]
  • Credit requirement: There is no minimum score or credit history requirement for AcceptanceNOW,[82] but you’ll need fair credit to qualify for the My Bob’s Card.[83]
  • APR: Variable for lease-to-own; about 29% for My Bob’s Card[81]
  • Late fee: Up to $38 for the My Bob’s Card[81]
  • In-store option: 21 states[84]
  • Apply

MDG

  • Buy now, pay later option(s): Open credit financing issued by Capital Community Bank[85]
  • Credit requirement: No set minimum; may require a soft pull for pre-qualification and a hard pull for the final approval decision[86]
  • APR: Variable from around 19% to 36%[85]
  • Late fee: Varies by agreement[87]
  • In-store option: None[88]
  • Apply

Luxury Items

Bradford Exchange

  • Buy now, pay later option(s): Monthly installment plan[89]
  • Credit requirement: Not disclosed[90]
  • APR: None[89]
  • Late fee: None; you will add a payment method, from which your monthly installments will deduct automatically[89]
  • In-store option: None[91]
  • Apply

Fascinating Diamonds

  • Buy now, pay later option(s): Three-, six-, and 12-month financing plans with Affirm[92][93]
  • Credit requirement: Affirm may conduct a credit check; most buyers are approved, even with poor credit[94]
  • APR: 10% to 30%[92]
  • Late fee: None[95]
  • In-store option: One location in New York, but operates primarily online[96]
  • Apply

Pet Supplies

Oui Oui Frenchie

  • Buy now, pay later option(s): Four interest-free installments with Afterpay; minimum order of $35[97]
  • Credit requirement: None[98]
  • APR: None[99]
  • Late fee: Up to 25% of the original order value[97]
  • In-store option: None[100]
  • Apply

Dog.com

  • Buy now, pay later option(s): PayPal Credit[101]
  • Credit requirement: PayPal Credit is backed by Synchrony Bank, which will run a credit check during the application process and typically approves customers with scores in the high 600s or better.[102]
  • APR: Around 25%[103]
  • Late fee: Up to $40[103]
  • In-store option: None, but you can request a physical catalog[104]
  • Apply

For even more buy now, pay later options, see our list of buy now, pay later kids catalogs and stores, as well as buy now, lay later shoe stores.

  1. https://zebit.com/how-zebit-works/[↩][↩]
  2. https://zebit.zendesk.com/hc/en-us/articles/360036633313-Will-applying-for-Zebit-and-obtaining-an-account-affect-my-credit-[↩]
  3. https://zebit.zendesk.com/hc/en-us/articles/212230018-Are-there-any-membership-fees-or-interest-charges-associated-with-using-Zebit-[↩][↩]
  4. https://www.leaseville.com/how-it-works[↩][↩]
  5. https://www.leaseville.com/faq[↩][↩]
  6. LeaseVille customer service (888) 428-5520[↩]
  7. https://www.hsn.com/content/HSNCards/67?o=!BNCC0[↩][↩]
  8. https://www.hsn.com/article/what-is-flex-pay/3280[↩][↩][↩][↩]
  9. HSN customer service (800) 284-5757[↩]
  10. https://www.hsn.com/content/HSNCards/67[↩]
  11. https://www.synchronybankterms.com/gecrbterms/pdf/HSN%20Card.pdf[↩]
  12. https://www.hsn.com/content/HSN_Outlet/261[↩]
  13. https://www.qvc.com/content/featured/easy-pay.html[↩][↩]
  14. https://www.qvc.com/content/featured/q-card-benefits.html[↩]
  15. https://egain.hsn.com/system/templates/selfservice/qvc_km/help/customer/locale/en-US/portal/250700000001015/content/PROD-22143/What-is-Easy-Pay[↩][↩]
  16. https://egain.hsn.com/system/templates/selfservice/qvc_km/help/customer/locale/en-US/portal/250700000001015/content/PROD-22177/Whats-the-QCard[↩]
  17. QVC customer service (888) 345-5788[↩]
  18. https://apply.syf.com/cs/groups/public/documents/et_tcdoc/e042861.html[↩][↩]
  19. https://www.qvc.com/?qq=mh[↩]
  20. https://www.stoneberry.com/customer-service/faqs/detail/about-stoneberry-credit/_/A-1605[↩]
  21. https://www.stoneberry.com/customer-service/faqs/detail/stoneberry-credit-terms/_/A-1587[↩][↩][↩]
  22. https://www.stoneberry.com/content/requestcatalog.jsp[↩]
  23. https://www.ginnys.com/cm/buy-now-pay-later.html?pageName=altCreditFull[↩]
  24. Ginny’s customer service (800) 282-3829[↩]
  25. https://www.ginnys.com/cm/billing-account-conditions.html[↩][↩]
  26. https://www.ginnys.com/cm/catalog-request/[↩]
  27. https://www.seventhavenue.com/cm/buy-now-pay-later.html?cm_re=credit-links-_-Footer_container-_-credit[↩]
  28. Seventh Avenue customer service (866) 212-8369[↩]
  29. https://www.seventhavenue.com/cm/billing-account-conditions.html[↩][↩]
  30. https://www.seventhavenue.com/cm/rnt-customer-service.html[↩]
  31. https://www.seventhavenue.com/cm/catalog-request/[↩]
  32. https://www.boscovs.com/shop/CreditCardHome.bos[↩]
  33. Boscov’s customer service (800) 284-8155[↩]
  34. https://www.experian.com/blogs/ask-experian/what-is-a-fair-credit-score/[↩]
  35. https://d.comenity.net/boscovs/common/Legal/cca.xhtml[↩][↩]
  36. https://locations.boscovs.com/index.html[↩]
  37. https://www.flexshopper.com/page/how-it-works[↩]
  38. https://www.flexshopper.com/page/faqs?itm_medium=footer-link&itm_content=faq[↩]
  39. FlexShopper customer service (855) 353-9289[↩][↩]
  40. https://www.flexshopper.com[↩]
  41. https://www.fingerhut.com/content/footer-terms[↩][↩][↩]
  42. Fingerhut customer service (800) 208-2500[↩]
  43. https://www.fingerhut.com/content/FSLanding[↩]
  44. https://www.fingerhut.com/[↩]
  45. https://www.gettington.com/content/OurStory[↩]
  46. Gettington customer service (866) 688-1091[↩]
  47. https://www.gettington.com/content/TermsandConditions[↩][↩]
  48. https://www.gettington.com[↩]
  49. https://www.monroeandmain.com/cm/buy-now-pay-later.html[↩]
  50. Monroe & Main Credit customer service (888) 745-4153[↩]
  51. https://www.monroeandmain.com/cm/billing-account-conditions.html[↩][↩]
  52. https://www.monroeandmain.com/cm/catalog-request/[↩]
  53. https://www.midnightvelvet.com/cm/buy-now-pay-later.html[↩]
  54. Midnight Velvet Credit customer service (888) 745-4153[↩]
  55. https://www.midnightvelvet.com/cm/billing-mv-account-conditions.html[↩][↩]
  56. https://www.midnightvelvet.com/cm/about-us.html[↩]
  57. https://www.ashro.com/cm/buy-now-pay-later.html[↩]
  58. Ashro Credit customer service (888) 745-4153[↩]
  59. https://www.ashro.com/cm/billing-al-account-conditions.html[↩][↩]
  60. https://www.ashro.com/cm/catalog-request/[↩]
  61. https://www.fullbeauty.com/credit-card?MEC=PLCC3_10_11_16&isRedirect=true[↩]
  62. fullbeauty customer service (888) 252-5484[↩]
  63. https://c.comenity.net/fullbeauty/common/Legal/schumerbox.xhtml[↩][↩]
  64. https://www.fullbeauty.com/c/about-us-fb.html[↩]
  65. https://www.wayfair.com/help/article/payment_methods/97BB80D6-F645-4597-BDF6-81011A204EF9[↩]
  66. Affirm customer service (855) 423-3729[↩]
  67. https://www.affirm.com/help/get-started/interest-and-no-fees[↩][↩]
  68. https://www.wayfair.com/wayfair-locations[↩]
  69. https://www.countrydoor.com/cm/buy-now-pay-later.html?pageName=altCreditFull[↩]
  70. Country Door customer service (800) 240-6878[↩]
  71. https://www.countrydoor.com/cm/billing-countrydoor-account-conditions.html[↩][↩]
  72. https://www.countrydoor.com/cm/about-us.html[↩]
  73. https://furniture7.com/faqs[↩]
  74. https://progleasing.com/frequently-asked-questions/[↩][↩]
  75. Progressive Leasing customer service (877) 898-1970[↩]
  76. https://furniture7.com/aboutus[↩]
  77. https://luthersales.com/financing-applications.html[↩]
  78. http://luthersales.com/cp-common-questions.html#luther-card[↩]
  79. https://luthersales.com/Merchant5/terms-7-3-20.pdf[↩][↩]
  80. https://luthersales.com/[↩]
  81. https://www.mybobs.com/financing-options[↩][↩][↩]
  82. http://www.acceptancenow.com/RAC-Acceptance-FAQs.html[↩]
  83. Wells Fargo customer service (800) 869-3557[↩]
  84. https://www.mybobs.com/stores[↩]
  85. https://secure.mdg.com/PMTDisclosure.aspx[↩][↩]
  86. https://secure.mdg.com/content/?type=termsofuse&LID=1[↩]
  87. MDG customer service (800) 906-0975[↩]
  88. https://secure.mdg.com/content/?type=about&[↩]
  89. https://www.bradfordexchange.com/service/billing-information.html#installmentPlans[↩][↩][↩]
  90. Bradford Exchange customer service (866) 503-9057[↩]
  91. https://www.bradfordexchange.com/[↩]
  92. https://www.fascinatingdiamonds.com/services/easy-financing[↩][↩]
  93. https://www.affirm.com/help/apply-for-a-loan/term-length[↩]
  94. https://www.affirm.com/help/get-started/reporting-to-credit-bureaus[↩]
  95. https://www.affirm.com/help/payments-and-billing/need-more-time-to-pay[↩]
  96. https://www.fascinatingdiamonds.com/company-profile/about-fascinating-diamonds[↩]
  97. https://ouiouifrenchie.com/pages/afterpay[↩][↩]
  98. https://www.afterpay.com/go-after-it[↩]
  99. https://www.afterpay.com/purchase-payment-agreement[↩]
  100. https://ouiouifrenchie.com/[↩]
  101. https://dog.com[↩]
  102. PayPal customer service (844) 373-4961[↩]
  103. https://www.paypal.com/us/webapps/mpp/ppcterms[↩][↩]
  104. https://www.dog.com/cs/catalog.aspx[↩]
See more content about Buy Now, Pay Later

This Season

19 comments

  • Patrick
    | 5 years ago

    Love the website lots of reputable information

    • First Quarter Finance logo
      First Quarter Finance | Lindsey Desmet
      | 5 years ago

      Thank you, Patrick! We’re glad to hear that you found our site useful!

  • Karla G
    | 7 years ago

    Try Affirm no hard credit pull. You can get a loan for practically any store you want. Only downfall is they only report to one credit bureau for now. Download the app it’s easier.

  • Shar
    | 8 years ago

    Zebit Market offers no credit checks for approval as well. Although they do verify either your check stub or bank account.

    • First Quarter Finance logo
      First Quarter Finance | Laura Bachmann
      | 8 years ago

      Thanks for the tip, Shar! Zebit looks like another good option for those looking for buy now, pay later options. We’ve added it to the article per your suggestion.

  • Jerri
    | 8 years ago

    Do any of these sites report to the credit bureaus?

    • First Quarter Finance logo
      First Quarter Finance | Rebecca Turley
      | 8 years ago

      Hi Jerri,

      Great question. Yes, you will likely have two reports show up on your credit report from buy now, pay later companies — (1) when they check your credit to determine your credit limit with the company, and (2) when they report you account information, credit limit, and payment history once you are approved.

  • adam
    | 8 years ago

    which ones dont require an initial down payment with a fair credit score?

  • Leaette
    | 8 years ago

    You said some offers dont run credit checks?? They all do!??!?

    • First Quarter Finance logo
      First Quarter Finance | Hillary M. Miller
      | 8 years ago

      Hi Laette,

      I definitely apologize for any confusion that the article has caused. I have corrected the article title to be more accurate and reflective of the content. While all of the options in the article do run a credit check, there are several companies that do not necessarily exclude customers based on an unfavorable credit history. Flexshopper and Emporium, for example, are both designed for those with less than perfect credit. Again, I apologize for the misleading title, and I hope you’re able to find a buy now pay later site or catalog that is right for you. Please let us know if you have any further questions!

    • max
      | 8 years ago

      HSN store you can google it . it doesn’t run a credit check and they offer a very decent monthly payments

  • Tela Day
    | 8 years ago

    I have bad credit. What online shopping is best for me?

    • First Quarter Finance logo
      First Quarter Finance | Hillary M. Miller
      | 8 years ago

      Hi Tela,

      Flexshopper might be a good option for you — this company does run a credit check, but poor credit scores are often approved. Emporium is also designed for those with new or less than ideal credit histories. These will probably be the best two options for your situation. I hope this helps and best of luck!

  • Ann Carr
    | 8 years ago

    All i need is a Christmas Catalogue No Credit Check And Too Buy Now And Pay Off As Quick Asossible In 2017

    • First Quarter Finance logo
      First Quarter Finance | Hillary M. Miller
      | 8 years ago

      Hi Ann,

      Emporium or Flexshopper may be good options for you. Both of these companies will run a credit check, but the websites specify that unfavorable credit scores won’t automatically disqualify applicants. Another option is theLuxe Signature card, which is associated with an online-only catalog and can only be used for shopping at huttonchase.com. This card features guaranteed approval for qualified customers. Be sure to research these options fully before you apply, as each company will have a slightly different process for applications, approval, purchasing, and repayment. I hope this helps!

    • Marilyn
      | 8 years ago

      All I need is a catalog so I can buy my stuff and not to to the shopping store I like to buy I can see things in the catalog that they don’t have in the store

    • Angel Day
      | 8 years ago

      I’d like to receive a Christmas catalogue that order now and pay later and any other catalogue you may have thanks so much

      • First Quarter Finance logo
        First Quarter Finance | Hillary M. Miller
        | 8 years ago

        Hi Angel,

        We’ve detailed whether a catalog is offered and how to sign up for it for each company on our list under the “Catalog” bullet point. For the companies that offer a printed catalog, you can use the links provided under this bullet point to sign up for any catalogs that interest you. (I’ve removed your address from your comment as a safety precaution.) Please let me know if you have any further questions!