Based on research and not influenced
This is based on research, and not influenced. However, we may earn a commission if you buy through links on this site.

How PayPair Works for Buy Now Pay Later Shopping

PayPair provides a marketplace that enables you to buy products in varying categories to be paid later through its partners.

With a growing number of shop now pay later websites, you do not have to bother much about paying upfront for your purchases at many retailers.

These options allow you to enjoy buy now pay later shopping with no credit check that can impact your bureau profile hence, a good choice for everyone including those working towards improving their bad credit scores.

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Tip: PayPair is a platform that provides a marketplace where you can finance different kinds of products from its sellers ranging from furniture, appliances, and other home goods which you will pay with any of its multiple financing providers at checkout.


PayPair works very similarly to LeaseVille with both operating on a lease-to-own model connecting you to different retailers whose products are displayed on the platform.

The advantage it has over some of the other platforms like LeaseVille and FlexShopper is that, in addition to enabling you to get items from retailers like Best Buy, Entrokek, and others, it also provides multiple financing options through several payment plan providers.


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The platform operates on a lease model with options at checkout including UOwn Leasing, American First Finance, Koalafi, Own Lease, and others.

Interestingly, some merchants accept it as one of their financing payment methods hence, you may be able to use it outside its marketplace especially those stores supporting buy now pay later for tires.

In terms of credit checks, it does not directly handle this as that is done by its partners but from its existing financing providers list, only soft credit checks will be conducted which will not impact your record.

PayPair is primarily a lease-to-own marketplace hence, prices will be higher than normal when compared to buying upfront from a retail store; could be twice or thrice costlier.

However, many of its partners offer an early purchase option of 90 days which you can take advantage of and complete the payment to own it sooner and save more than 120% on rental costs.

Best PayPair Alternatives Financing Sites


Below are some of the best options you could consider as alternatives to shopping on PayPair if the terms are not convincing or you are unable to get financing from any of its partners:


Amazon Financing


Pay with

Affirm, Citi Flex, Prime Installment, Pay in 5

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Tip: You can pay later on Amazon through its financing methods which include Affirm, Citi Flex Pay, Prime Visa Installment, and the interest-free Pay-in-5 option.


If you have never tried it, you can actually pay Amazon monthly with an option to spread payments up to 48 months.

You can also enjoy interest-free when shopping on the marketplace, thanks to the promotional APR offered through its Prime Visa Installment as well as that for some categories when using Affirm.


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Whether it is to pay in 4 installments or prefer long-term financing as you may enjoy with Paypair, there are similar benefits when using the buy now pay later apps for Amazon.

For instance, Citi Flex Pay allows you to spread the costs of your purchases when shopping on Amazon for up to 24 months and only rely on your existing Citi credit card.

If you are able to use any of the Amazon pay in 4 options or the long-term financing on the marketplace then, you can also utilize them at several online stores that accept Amazon Pay.

This might be a better alternative to using PayPair to check out at some retailers as Amazon Pay does not only have more online partners but could be more cost-effective.



Pay with

PayTomorrow, PayPal, Acima, Klarna

Credit Check


Tip: Abunda is a gateway that allows you to buy any product on Amazon and spread the costs into installments using payment methods not directly accepted by Amazon.


Abunda is another good alternative to PayPair that you can consider when you want to buy items on a payment plan. 

Working directly as a gateway, it aggregates products from the Amazon marketplace and makes them available on its platform to enable users to buy them and pay later using alternate financing methods.


Read more about Abunda

It is one of the online stores that accept PayPal buy now pay later options hence, prices could be better compared to using PayPair.

If you want to purchase through lease-to-own, Abunda also supports some providers including being one of the merchants accepting PayTomorrow at checkout.

In addition to enabling financing through the above options, you can also utilize Acima to buy now and pay later for its items on a lease-to-own term.

Abunda is an interesting platform and makes shopping very convenient through its features like the paste tool allowing you to quickly buy an Amazon product when you paste the link into its search field.

Doing this will make the item available within seconds which you can add to your cart and checkout using any of its financing providers including PayPal, Acima, Klarna, and PayTomorrow.

Walmart Financing


Pay with


Credit Check


Tip: You can spread the costs of your Walmart purchases when you check out with the Affirm option on its payment page.


Whether you want to buy now and pay later for furniture or looking to finance new equipment for some special needs, you can get many of them when shopping at Walmart online as well as in-store.

While many buy now pay later apps for Walmart shopping exist, only Affirm can directly be used to split the cost of product purchases on the online platform.


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However, the platform provides an interesting option that you can also use to enjoy buy now pay later in-store at any of its locations.

Through its digital wallet, Walmart Pay, you can check out when you visit its retail outlets using BNPL virtual cards as it supports third-party cards.

With varying products in its inventory and multiple ways to enjoy shopping at Walmart, there is no doubt it is a great option to utilize for product financing aside from PayPair.

Walmart also has a marketplace and interestingly, some of PayPair’s retail partners sell through the platform, for instance, there is an Entrotek Store on Walmart

Wayfair Financing


Pay with

Acima, Affirm, Bread Pay, Citizens Pay, Katapult

Credit Check


Tip: Wayfair is a multi-financing destination just like PayPair, offering options that include Affirm, Bread Pay, Katapult, Acima, and Citizens Pay.


Furniture is one of the top categories when shopping through the PayPair marketplace and when it comes to this, there are a few places where you can get more than you can access when browsing through the Wayfair website.

You are never short of options when it comes to product financing as Walmart supports conventional buy now pay later services like Affirm, Bread Pay, and Citizens Pay alongside its acceptance of lease-to-own options including Katapult and Acima. 


Read more about Wayfair

The platform’s appeal is its extensive product catalog, featuring millions of items from thousands of suppliers.

Wayfair offers a wide range of options to suit various tastes and budgets, making it a go-to destination for individuals looking to furnish or update their homes.

From traditional to modern, Wayfair caters to diverse design preferences, ensuring that customers can find the perfect pieces to complement their living spaces.

Being one of the largest online retailers of furniture, decor, appliances, and other household items with support for payment plans, there is no doubt it is a good alternative to PayPair you can consider when in need of product financing.

Target Financing


Pay with

Affirm, PayPal, Redcard

Credit Check


Tip: Target also supports product financing and you can choose from options that include Affirm, PayPal, and its Redcard at checkout.


You can finance several things when shopping on Target’s website, including items not supported by PayPair like being able to buy now and pay later for groceries.

It supports different financing terms through its payment plan partners with variations including pay in six weeks with no interest or long-term options at variable APRs.


Read more about Target

Many buy now pay later apps support Target hence, you should be able to finance the things you need when shopping on its website.

Similarly to Walmart, the platform provides a mobile wallet called Target Pay that can be used for purchasing in-store, including on payment plans.

Its digital wallet however does not support third-party cards but you can connect its Redcard credit card and use it to spread the payments when at the checkout point.

With options to buy the things you need online and request an offline pick-up, this is definitely one of the best alternatives to PayPair you can utilize for product financing, especially if you want to pick it up quickly.

How PayPair Works


PayPair operates as a unique platform providing a convenient marketplace for financing a variety of products, with a focus on furniture, appliances, and home goods.

The platform distinguishes itself by offering a lease model, allowing customers to access a range of financing options at the checkout stage.


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This flexibility enables users to choose from multiple financing providers, including UOwn Leasing, American First Finance, Koalafi, Own Lease, and others, tailoring the financing experience to individual preferences and needs.

Notably, PayPair’s versatility extends beyond its own marketplace, as some merchants outside the platform also accept it as a financing payment method.

This feature allows users to leverage PayPair’s financing options in a broader retail landscape, especially at retailers that support buy now, pay later for various products, including tires.

One of the key advantages of PayPair is its approach to credit checks.

While the platform itself does not directly handle this aspect, it collaborates with financing partners who typically conduct soft credit checks.

This type of credit check has minimal impact on the user’s credit record, providing a more accessible financing option for a wider audience.

PayPair primarily operates on a lease-to-own model, acknowledging that the convenience of financing comes with an associated cost.

Prices on the platform may be higher compared to buying outright from a retail store, potentially reaching two to three times the normal cost.

However, the platform’s partners mitigate this by offering an early purchase option of 90 days.

Users can take advantage of this option to complete their payments sooner, ultimately owning the product and potentially saving a lot that could go into handling the rental fee.

PayPair Frequently Asked Questions


Below are some frequently asked questions about using PayPair:


What is PayPair?

PayPair is a versatile financing platform offering a lease-to-own marketplace for a wide range of products, particularly focusing on furniture, appliances, and home goods.

Users can choose from various financing providers, including UOwn Leasing, American First Finance, Koalafi, Own Lease, and more, tailoring their payment options at checkout.

It also extends its financing capabilities beyond its own marketplace, with some external merchants accepting it as a payment method.

Is PayPair legit and safe?

Yes, PayPair is legit and a safe platform to use for alternative shopping when you are unable to get financing from traditional methods as it allows you to access its products even if you have a bad credit score.

Does PayPair affect credit score?

PayPair itself does not directly handle credit checks.

Instead, credit checks are typically conducted by its financing partners when users opt for financing options.

The type of credit check performed by these partners is usually a soft credit check, which has a minimal impact on an individual’s credit score.

Soft credit checks are inquiries that do not affect credit scores and are commonly used for pre-qualification purposes.

Therefore, using PayPair for financing should generally have a limited impact on your credit score.

It is important, however, to carefully review the terms and conditions provided by PayPair and its financing partners to ensure a clear understanding of how credit checks and financing arrangements may impact your financial profile.

Does PayPair accept early payoffs?

Certainly, there is no penalty for settling your lease ahead of schedule.

PayPair collaborates with its partners to provide an early purchase option known as the 90-day EPO.

This option allows you to enjoy a same-as-cash benefit when you fully clear the lease balances within the initial 90 days of your contract.

Opting for an early payoff is financially advantageous, as it helps you avoid additional expenses that would otherwise accrue in rental fees, resulting in significant savings.

What is PayPair’s credit score requirement?

The platform does not have a specific credit score requirement before you can access its platform as its partners consider several factors to determine your creditworthiness.

What this means is that you can be eligible to finance the products on the marketplace even if you do not have a perfect credit score.

How can I contact PayPair?

You can contact PayPair by using the live chat support channel when you are on its website or simply send an email to them using the details available on the contact page.


While PayPair is an option to consider for product financing, you might want to opt for it as an alternative when you apply for buy now pay later with no success because of its lease-to-own model which could make costs higher than normal.

However, it is a good platform but be sure to review the contract terms to fully understand it before finalizing your order.

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