Buy now pay later with no credit check apps and websites allow you to spread payments, even for bad credit with no negative impact on your bureau report.
Not all of us have super prime credit scores hence, a bad credit profile should not deprive you of being able to pay in installments or finance long-term for items you need at most of the websites that support buy now pay later financing.
Fortunately, there are a growing number of spread payment providers that will allow you to use their services to finance products without performing a credit check that will appear on your report.
Best Buy Now Pay Later with No Credit Check Apps and Websites
Here below are the top split payment services to use without negatively affecting your credit bureau report:
Pay in 4 Buy Now Pay Later with No Credit Check Services
This category features the conventional split payment providers that allow you to checkout on shopping sites and pay in four installments.
Here below are the top choices in this category:
Affirm
Credit Check
Soft
Min. Value
$50
Max. Value
$20, 000
Tip: Affirm does not perform a hard credit check that can impact your profile but rather, a soft inquiry to help it determine and assign purchasing power you can use for shopping. A soft check is not visible to companies hence, does not impact your report negatively.
Affirm is Accepted By
Amazon
- Amazon is a leading online marketplace offering a vast selection of products, from electronics and clothing to books and groceries, with fast delivery and convenient shopping experiences for customers.
Temu
- Temu, a budget-friendly shopping destination, offers a diverse range of products like clothing, shoes, accessories, electronics, and home goods. With competitive prices, it’s a go-to choice for budget-conscious shoppers.
Brilliant Earth
- Brilliant Earth is a reputable jewelry company known for ethically sourced and environmentally friendly diamonds and gemstones. They offer engagement rings, fine jewelry, and a commitment to sustainability.
Walmart
- Walmart is a multinational retail corporation, one of the world’s largest, offering a wide range of products from groceries and electronics to clothing and household goods, with a strong online presence.
eBikeJoy!
- eBikeJoy! is a company specializing in electric bicycles and scooters. They provide a diverse selection of eco-friendly transportation options, promoting convenience and sustainability in urban mobility.
If you buy online very frequently, you may have seen Affirm as a payment option while checking out online or in-store, and it offers a unique and flexible buy now pay later with no credit check that could impact your profile.
It allows you to split your purchase into smaller, manageable payments over time, typically with no interest or hidden fees, as long as you make your payments on time.
With a presence across major shopping sites like Amazon, Walmart, Samsung, and Expedia among others, there is no doubt you will find a handful of where to shop and pay in 4 conveniently using Affirm.
This buy now pay later with no credit check service provider has two financing options; the pay in 4 which is a bi-weekly installment purchase financing allows you to get products and repay in six weeks. This option is interest-free with no hidden charges and it is suitable for low-ticket items.
The second option allows long-term financing up to 12 months but it comes with an APR of 15% and it is best fit for high ticket purchases.
Klarna
Credit Check
Soft
Min. Value
$10
Max. Value
Varies
Tip: Klarna is accepted by many popular shopping sites and you can enjoy its buy now pay later with no credit check worries as it only performs a non-impacting soft inquiry.
Klarna is Accepted By
eBikeJoy!
- eBikeJoy! specializes in electric bicycles and scooters, offering a wide range of eco-conscious transportation choices that enhance urban mobility with convenience and sustainability at the forefront.
Instacart
- Instacart is a popular grocery delivery and pickup service. It allows users to shop for groceries and household items online and have them delivered to their doorstep or prepared for pickup.
Abunda
- Abunda allows you to buy any product on Amazon and pay in 4 using your Klarna account since Amazon does not accept it directly.
Temu
- Temu, the savvy shopper’s paradise, boasts a vast selection of products, from fashion and footwear to tech gadgets and home decor. With its competitive pricing, it’s a top choice for those budget-conscious.
Ticketmaster
- Ticketmaster is a prominent global ticketing platform that facilitates the purchase of event tickets for concerts, sports, theater, and more. It provides access to live entertainment experiences for millions of customers.
Stockx
- StockX is an online marketplace specializing in sneakers, streetwear, and collectibles. It operates as a platform for buying and selling authentic, verified products with a transparent pricing and bidding system.
Among the list of websites that have buy now pay later options, most of them support checking out with Klarna purchasing power hence, a very popular choice for splitting payments.
There are a very good number of online stores where you can use this buy now pay later with no credit check indication on your report and you should be able to find some of your favorite shopping platforms there.
Klarna provides several financing tools, especially to allow you to use its services on any website that does not support it at checkout, including its shopping financing card, in-app shopping feature that keeps you within its application, and a browser extension to allows you to use your Klarna shopping credit on platforms like Amazon to add to its direct-to-pay service at thousands of merchants online.
This buy now pay later with no credit check provider also has a good number of offline merchants where you can conveniently pay with your Klarna account by visiting physical outlets.
In terms of financing terms, the most common is its pay-in-4 service that allows you to shop and repay on a bi-weekly basis.
The other includes the pay in 30 days which allows you to pay back a month later without any upfront costs or interest charged. This can be a good choice if you want to receive the product first before committing to a payment.
There is a long-term financing option that you can use to handle high-value purchases. While this allows you to spread the cost of purchases from 6 to 24 months, there is an APR of 7.99% up to 29.99% that applies depending on how long you take to repay in full.
Interestingly, there is a Pay Now alternative that allows you to pay the full price upfront. While this could appear strange to you, it is a good way to increase your purchasing power as Klarna looks at things like fast repayment to increase how much credit you can spend.
Afterpay
Credit Check
Soft
Min. Value
Varies
Max. Value
$1,500
Tip: Afterpay is another platform that powers buy now pay later with no credit check impact at several stores online and offline.
Afterpay is Accepted By
Temu
- Temu, the go-to destination for smart shoppers, has a diverse collection of products, including fashion, footwear, tech gadgets, and home decor, all at competitively attractive prices for the budget-conscious consumer.
Adidas
- Adidas is a renowned multinational sportswear company known for its athletic footwear, clothing, and accessories. It combines style and performance, catering to athletes and fashion-conscious individuals globally.
Ulta Beauty
- Ulta Beauty is a popular beauty retailer in the United States, offering a wide range of cosmetics, skincare, and haircare products. It features both drugstore and high-end brands, along with salon services.
Expedia
- Expedia is a leading online travel platform that facilitates booking flights, hotels, vacation packages, and more. It offers travelers a convenient way to plan and book trips worldwide with competitive pricing.
Nordstrom
- Nordstrom is a high-end American department store known for its luxury fashion, beauty, and home goods. It offers a curated selection, exceptional customer service, and a premium shopping experience.
Afterpay is another good solution to use on this selection that facilitates buy now pay later with no credit score negative effect as it also assigns purchasing power through a soft inquiry.
It has one of the best pay-in-4 virtual cards to use, especially to handle split payments when you visit a physical store as it allows you to conveniently connect your shopping credit to digital wallets you can use to complete payments offline.
With big names like Temu, Nordstrom, Ruggable, FWRD, and Sephora among others directly supporting it, you would enjoy fashion and other items shopping with your assigned purchasing power.
Its buy now pay later with no credit check service does not stop at just four bi-weekly payments as it also supports long-term monthly installments.
The Afterpay Pay Monthly financing is issued through its partnership with First Electronic Bank and it allows to spread the payments from 6 months up to 12 months.
This monthly payment option is available for items worth above $400 and comes with varying APR determined based on the initial soft inquiry and your usage of the platform but could be as much as 35.55%.
The Afterpay Pay Monthly option is available at select retailers and with big brand names in there, you will be able to enjoy the long-term financing using this platform.
PayPal BNPL
Credit Check
Soft
Min. Value
$30
Max. Value
$1,500
Tip: PayPal has amazing tools focused on buy now pay later with no credit check issues to worry about and you can use them across millions of sites online.
PayPal BNPL is Accepted By
Priority Tire
- Priority Tire is an online tire retailer known for offering a vast selection of tires for various vehicles. They provide competitive prices and convenient online ordering for tire shoppers.
Abunda
- Abunda enables you to make Amazon purchases and split payments into four installments through your PayPal account, bridging the gap as Amazon does not directly support PayPal payments.
Airbnb
- Airbnb is a popular online platform for booking accommodations worldwide. It connects travelers with unique lodging options, including homes, apartments, and vacation rentals, offering diverse and personalized travel experiences.
eBay
- eBay is a well-established online marketplace where individuals and businesses can buy and sell a wide range of new and used products, from electronics to collectibles, through auctions and fixed-price listings.
American Airlines
- American Airlines is a major U.S. airline company known for its extensive domestic and international flight network. It provides passenger and cargo services, offering travel options worldwide.
With millions of merchants where you can pay with your PayPal account, this is one of the best buy now pay later with no credit services that should be on your list of options.
This financial company has rolled out different financing tools over the years with two primarily to enable shoppers to spread the cost of their payments without paying interest.
These PayPal buy now and pay later options include the popular Pay-in-4 service accessible at several online stores and the second being PayPal Credit which targets long-term financing.
Its bi-weekly Pay-in-4 can be utilized to cover purchases in your cart, with a minimum total of $30 and a maximum of $1,500.
This default option may not be suitable for the items you want to purchase and you might want to opt for the PayPal Credit which will allow you to access up to $12,000.
Its monthly payment financing tool is one of the best compared to similar options provided by some of the other spread payment platforms as it is interest-free within the first four months hence, nothing extra if you repay fully within this tenor.
But if you go beyond the four-month grace period, you will have to bear an APR of 29.24%.
Zip
Credit Check
Soft
Min. Value
$35
Max. Value
$2,000
Tip: Zip is one of the services that allows you to access buy now pay later with no credit that could damage your bureau profile.
Zip is Accepted By
Best Buy
- Best Buy is a leading American electronics retailer, offering a wide range of consumer electronics, appliances, tech products, and services like installation and tech support.
TickPick
- TickPick is an online ticket marketplace that allows users to buy and sell tickets for various events, including concerts, sports games, and theater shows, often with no hidden fees.
Newegg
- Newegg is an online retailer specializing in consumer electronics and computer hardware. It offers a wide selection of products, including computer components, laptops, gaming equipment, and electronics accessories.
Mercari
- Mercari is a popular online marketplace where users can buy and sell a wide variety of items, including electronics, clothing, collectibles, and more, through a user-friendly mobile app.
Fashion Nova
- Fashion Nova is a trendy and affordable online fashion retailer known for its stylish clothing and accessories for women. It offers a wide range of clothing options, including dresses, jeans, and swimwear.
Zip is another popular solution if you need one of the amazing buy now pay later with no credit check impact on your bureau profile.
This provider has a good number of merchants in its collection and you can use it to defer shopping payments on sites that include Dolls Kill, Sam Edelman, Shein, and Sears among others.
Most of the BNPL providers do not support bill payments but that is not the case with Zip as it allows you to split your bills for services like AT&T, Duke Energy, Verizon, and others.
The default financing option offered by this provider is Zip Pay which is its Pay in 4 option that allows you to pay in bit on a bi-weekly basis for items less than $300 and a minimum cart value of $35.
As common to some of the other buy now pay later with credit check service providers on this list, it also has a long-term financing tool that allows you to pay for purchases up to or above $300 but not exceeding the maximum of $2,000.
Interestingly, the first three months of using the monthly financing is entirely interest-free if you complete your payment within this period else, you will have to bear an APR of 25.9% and the tenor can go as long as 36 months (varies depending on the retailer).
Splitit
Credit Check
None
Min. Value
Varies
Max. Value
Varies
Tip: Splitit is 100% a buy now pay later with no credit check solution as it relies on your existing line of credit assigned by your credit card provider.
Splitit is Accepted By
Byte
- Byte is a telemedicine and orthodontic company that provides clear aligner therapy for teeth straightening. They offer an at-home impression kit and customized treatment plans to help achieve a straighter smile.
James Allen
- James Allen is an online diamond and jewelry retailer known for its extensive selection of engagement rings, wedding bands, and fine jewelry. They provide high-quality diamonds with 360-degree imaging for evaluation.
Simba Sleep
- Simba Sleep is a mattress and bedding company that offers innovative sleep products designed for comfort and support. Their products include hybrid mattresses, pillows, and bedding accessories to improve sleep quality.
Mobvoi
- Mobvoi is a technology company specializing in smart wearables and AI technology. They create innovative products such as smartwatches, true wireless earbuds, and AI-powered voice assistants like TicWatch and TicPods.
GemsNY
- GemsNY is an online retailer specializing in fine gemstone jewelry. They offer a wide range of jewelry items, including rings, necklaces, and earrings, featuring various gemstones like sapphires, rubies, and emeralds.
Splitit works so differently from the other providers on this list of buy now pay later with no credit check that would be visible to companies that might need your bureau report.
The platform relies on your existing credit card to assign a purchasing power you can use for split shopping across thousands of merchants’ websites.
Typically, you will enter your credit card details when making payments at any of the retailers that accept Splitit and a check will be made to determine your credit balance. If your line balance is up to the cart value then, you will be approved and you will then repay in four installments.
Bread Pay
Credit Check
Soft
Min. Value
$50
Max. Value
$1,000
Tip: This buy now pay later with no credit check service is powered by Bread Financial, a popular financing company with solutions like credit cards, loans, and savings.
Bread Pay is Accepted By
Wayfair
- Wayfair is a popular online retailer that specializes in furniture and home goods. It offers a vast selection of products, including furniture, decor, appliances, and more for home improvement and decorating needs.
Newair
- Newair is a company specializing in appliances like wine coolers, beverage fridges, portable ice makers, and more. They provide innovative cooling solutions for both residential and commercial use.
Alternative Airlines
- Alternative Airlines is an online flight booking platform that offers a wide range of flight options from various airlines worldwide. It provides choices for travelers seeking flexibility and alternatives in their air travel.
Leesa
- Leesa is a mattress and bedding company known for its comfortable and high-quality mattresses designed to provide a restful night’s sleep. They also prioritize sustainability and social impact in their products.
The RTA Store
- The RTA Store is an online retailer specializing in Ready-to-Assemble (RTA) cabinets and kitchen furniture. They offer a variety of cabinet styles and designs, making it convenient for homeowners to renovate and upgrade their kitchens.
Initially named SplitPay, this buy now pay later with no credit check-impacting inquiry allows you to spread purchases in four installments up to six weeks similar to other Pay in 4 providers.
This pay-over-time service is supported by ample merchants including names like Ansgear, Newton Baby, Wayfair, Winkbeds, and many more.
There is also an option for you to enjoy more funds in order to be able to buy high-value items through its installment financing tool. While this gives you more than the $1,000 maximum limit offered by SplitPay, it thus has an APR of up to 29.99%.
AmEx Plan It
Credit Check
None
Min. Value
$100
Max. Value
Varies
Tip: Plan It is a financing tool from American Express and it allows you to access buy now pay later with no credit check required as it is built into your existing account.
Plan It is Accepted By
Delta Airlines
- Delta Airlines is a major American airline known for its extensive domestic and international flight network. It provides passenger and cargo services, with a focus on customer comfort and convenience.
AmexTravel
- AmexTravel is a travel booking platform by American Express. It offers services for flights, hotels, car rentals, and vacation packages, providing American Express cardholders with travel-related benefits and rewards.
AmEx App
- You can preset purchases to be placed in your list of Plan It orders and the installment rule will be applied towards settlement using the American Express app.
This buy now pay later with no credit check financing tool from American Express is more of an add-on to your existing account to enable you to enjoy more benefits using its services.
Plan It allows you to spread payments into months with no interest charges as common to some of the providers on this list but rather, it has a fixed fee applied on a monthly basis.
It does not have much presence on shopping platforms but to allow you to enjoy the benefits at merchants outside its reach, the tool is available in the app and you can plan your purchases before using your American Express card and the payment will be converted to a Plan It order for monthly repayments.
Uplift
Credit Check
Soft
Min. Value
Varies
Max. Value
Varies
Tip: Uplift is seen as the flight financing tool for vacation planning and travel-related needs.
Uplift is Accepted By
Lufthansa
- Lufthansa is a major German airline with a global presence. It offers a wide range of domestic and international flights, focusing on high-quality service, safety, and efficiency in air travel.
Air Canada
- Air Canada is the flag carrier and largest airline in Canada. It operates both domestic and international flights, providing passenger and cargo services, and is known for its extensive route network.
Avoya
- Avoya Travel is a travel agency that offers personalized vacation planning services. They connect travelers with expert advisors to arrange cruises, tours, and vacations tailored to individual preferences and needs.
United Airlines
- United Airlines is a major American airline known for its global flight network. It provides passenger and cargo services, emphasizing safety, convenience, and a variety of travel options for customers.
RST Brands
- RST Brands is a company specializing in high-quality outdoor and indoor furniture and accessories. They offer a wide range of stylish and durable products for comfortable living spaces.
Uplift is one of the major buy-now-pay-later solutions for the travel industry with several agencies and travel-focused companies accepting it as a means of payment.
If you check the list of brands that work with Uplift, you will find well-known names that include Frontiers, iTravel2000, Epic Pass, Flow Wall, Spirit Airlines, and many others.
Its BNPL financing offer enables you to spread repayments on a monthly basis with its APR capable of shooting up to 36% which depends on how long, the information from the soft inquiry, and your history with the platform.
Sezzle
Credit Check
Soft
Min. Value
Varies
Max. Value
Varies
Tip: Sezzle is one of the pay-in-4 apps that helps you grow your credit score if you have a poor profile and allows you to access its buy now pay later with no credit check that can reduce it.
Sezzle is Accepted By
Byte
- Byte is a telehealth orthodontic company that provides clear teeth aligners. They offer remote teeth-straightening services with convenient at-home impression kits and personalized treatment plans for a straighter smile.
Luvme Hair
- Luvme Hair is a brand specializing in premium human hair extensions and wigs. They offer a wide range of high-quality hair products known for their natural look and durability.
Target
- Target is a well-known American retail chain offering a wide variety of products, including clothing, electronics, groceries, and home goods. It’s known for its affordable prices and diverse product selection.
Pure Hockey
- Pure Hockey is a specialty retailer dedicated to hockey equipment and apparel. They provide a wide range of products for hockey players of all levels, including skates, sticks, protective gear, and more.
Galls
- Galls is a leading supplier of public safety and law enforcement equipment and apparel. They offer a wide range of uniforms, gear, and accessories for professionals in the field.
This spread payment provider is another popular platform you can use to make payments across several online shopping portals.
In addition to opening its services to everyone who meets its basic requirements with no perfect credit score consideration, it allows you to improve your credit score through its Sezzle Up program.
You can increase your credit rating through this program by paying off your orders early, connecting your bank account, and confirming other personal details provided.
It has good merchant coverage with brands like Akira, Ruumur, PhenQ, and many others directly accepting it and through its Visa virtual card, you can use it to shop anywhere else.
Zilch
Credit Check
Soft
Min. Value
$10
Max. Value
$1,000
Tip: Zilch is another buy now pay later with no credit check impact when offering you its Mastercard that you can use to make payments online.
This platform is a debit card-based business and allows you to own a virtual card you can use to make payments across thousands of merchants’ portals online.
This model makes an ideal solution for anyone who wants to shop and spread the cost of purchases without bothering if your chosen merchant accepts the buy now pay later service you prefer to use.
Your Mastercard-powered debit card sits on your Zilch app and it is connected to the spending credit assigned to you. The platform also allows you to earn rewards every time you make upfront payments using your Zilch card and this service will allow you to earn 2% of the value spent as cashback to your reward wallet.
Perpay
Credit Check
None
Min. Value
Varies
Max. Value
$1,000
Tip: Perpay allows you to access its buy now pay later with no credit check required at all as it uses your paycheck to determine your eligibility.
This buy now pay later with no credit check service is the spread purchase payments option for employed individuals as it relies entirely on your employer’s direct deposit to determine eligibility and assign you shopping credits.
It can easily be categorized as an in-house maintained pay-in-4 shopping platform but its mode of operation is quite different despite only allowing you to shop for products in its marketplace and thanks to its virtual card, you can now use your assigned purchasing power to pay for orders on other platforms.
Perpay also helps to grow your credit score by reporting your repayment activities to the major credit bureaus including Experian, TransUnion, and Equifax.
In-house Buy Now Pay Later with No Credit Check Services
The buy now pay later with no credit check platforms within this category are offered by conventional shopping sites to complement their existing operations.
These solutions do not require checking your credit report as they rely mostly on your shopping history.
Amazon Monthly
- Amazon Monthly allows you to purchase products on Amazon and spread the payments up to 120 days.
Bytepay
- Bytepay is offered by Byte Aligners to enable you to purchase its products including Invisalign and other orthodontic items.
Temu Credit
- This is from Temu, the popular highly discounted shopping platform, and this tool allows you to earn credits that can be used to make payments.
HSN Flexpay
- HSN (Home Shopping Network) is an online shopping network that offers a wide range of products, including electronics, fashion, beauty, home decor, and more, with interactive and informative broadcasts. Through Flexpay, you can spread your payments.
QVC Easy Pay
- QVC (Quality, Value, Convenience) is a multinational shopping network and online retailer. It provides a diverse range of products, including electronics, fashion, beauty, home goods, and more, with interactive broadcasts. It provides Easy Pay for split payments.
Consumer Financing Buy Now Pay Later with No Credit Check Services
There are some shopping websites that are directly into consumer product financing and most only use soft inquiry that does not impact credit score to determine your eligibility to buy their products.
Here below are some of the providers online:
Abunda
- Abunda allows you to buy any product on Amazon and spread the payments into flexible monthly installments through Klarna, PayPal, and Acima.
Stoneberry
- Stoneberry is an online shopping destination known for its diverse product offerings, which include electronics, home furnishings, fashion, and more. The retailer provides convenient buy now, pay later options for its customers.
Fingerhut
- Fingerhut is an American online retailer that offers a wide variety of products, including electronics, furniture, home goods, and clothing, with a focus on credit-based financing options for customers.
Zebit
- Zebit is an online marketplace that provides a range of products, primarily for individuals with limited or no credit history. They offer transparent pricing and the ability to pay over time.
Venue
- Venue is an online shopping platform with a “Buy Now, Pay Later” option, enabling customers to shop for products and pay for them in installments, enhancing affordability and convenience.
Bills Payment Buy Now Pay Later with No Credit Check Services
If you want to pay bills and repay them later, here below are some of the buy now pay later bill payments to use without hampering your credit score:
Deferit
- Deferit is a financial technology service that allows users to defer their bills and make payments over time, offering a flexible approach to managing expenses and improving financial control.
Neon
- Neon offers a comprehensive bill payment solution, including interest-free credit lines and a “Pay in 4” option for recurring monthly bills, providing financial flexibility and convenience to users.
CareCredit
- CareCredit is a healthcare financing program in the United States. It offers credit lines to cover medical expenses, allowing patients to manage healthcare costs and access needed treatments.
Willow
- Willow provides financial relief with flexible payment plans for various monthly expenses. They cover bills upfront, allowing users to repay over time without interest or hidden fees, promoting financial peace of mind.
Alternate Buy Now Pay Later with No Credit Check Services
The spread payment providers in this category are more alternatives to the other buy now pay later with no credit check services on this list and can be considered if you are not able to get financing from the other categories.
These providers operate more lease-to-own services to enable you to get what you need and pay back on a monthly basis but the cost could be higher for long-term financing when compared to the other BNPL platforms.
Here below are some of the top services:
Acima
- Acima is a lease-to-own financing company that offers a payment option for consumers to acquire products and pay for them over time, even if they have low or no credit.
Progressive
- Progressive Leasing is a lease-to-own service provider that allows customers to lease retail products and make payments over time, even with no credit or poor credit history.
Katapult
- Katapult is a lease-to-own platform that enables consumers to lease retail items and make affordable payments over time, catering to those with limited credit or financial history.
ElectroFinance
- ElectroFinance is an online retailer that specializes in electronics and appliances. They offer a lease-to-own model, allowing customers to pay for products over time, and providing flexibility in purchasing.
Leaseville
- Leaseville is an online retailer specializing in lease-to-own electronics and appliances. They offer a flexible payment option, allowing customers to lease products and make payments over time rather than making an upfront purchase.
FlexShopper
- FlexShopper is an e-commerce platform that provides lease-to-own options for electronics, furniture, and appliances. Customers can lease products and make affordable weekly or monthly payments instead of traditional purchasing.
RTBShopper
- RTBShopper is an online lease-to-own retailer that allows customers to lease electronics, appliances, and other products with affordable payments, providing access to items even with limited credit.
With thousands of shopping sites allowing you to buy and defer payments with these buy now pay later with no credit check services, you should be able to get your favorite products without worrying about upfront costs and your bad credit score depriving you.
If you really have a bad credit profile, you can opt to use the providers that also allow you to build your credit score through repayments while enjoying their pay-in-4 services.
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