9 Buy Now, Pay Later Catalogs 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 allow you to pay for items over time.

It’s important to note that there are two types of credit checks: hard and soft pulls. Soft credit checks don’t guarantee approval, but they also don’t harm your credit score — so choosing a catalog that only runs a soft check can also 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 payment fees. You should note the catalog’s payment policies, fees, and total financing cost 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 option is Zebit, due to the fact that it doesn’t charge interest or fees and offers in-house credit rather than providing financing through a third party. LeaseVille also doesn’t charge interest, though you will pay leasing fees, meaning your item will cost more than if you were buying it outright at a store.

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

Retailer Requires credit check? Requires down payment? Charges interest? Charges leasing fees?
Zebit No Yes No No
LeaseVille No Yes; first lease payment No Yes
Overstock No Yes; first lease payment No Yes
Big Lots No Yes No Yes
Conn's Home Plus No Yes No Yes
Kmart No Yes; first lease payment No Yes
Sears No Yes; first lease payment No Yes
Wayfair Soft pull Yes, if you don't qualify for full purchase amount Yes No
FlexShopper Soft pull Yes; first lease payment No Yes

No Credit Check Options

1. Zebit

  • What it sells: Appliances, home goods, furniture, electronics, and more[1]
  • Buy now, pay later program: ZebitLine[2]
  • Requirements:
    • Must be 18 or older[3]
    • Must verify your identity[3]
    • May need to verify your income/employment status[3]
  • Down payment: Varies depending on the value of your purchase[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 may need to provide other verification of your identity[7]
    • Must provide banking and employer information[7]
  • Down payment: First lease payment due at purchase[7]
  • Interest and fees: No interest, though you will pay leasing fees that vary depending on your agreement[7]
  • Apply

3. Overstock

  • What it sells: Furniture, home goods, electronics, and more[8]
  • Buy now, pay later program: Progressive Leasing[9]
  • Requirements:
    • Must be 18 or older[9]
    • Must have a valid Social Security number or ITIN[9]
    • Must provide your routing and account numbers for an open, active checking account[9]
    • Must have a valid credit or debit card[9]
  • Down payment: First payment due immediately after signing[9]
  • Interest and fees: Varies depending on the terms of your lease; use Progressive Leasing’s estimation tool to see your projected total cost.
  • Apply

4. Big Lots

  • What it sells: Furniture and home goods[10]
  • Buy now, pay later program: Progressive Leasing[10]
  • Requirements:
    • Must be 18 or older with steady employment for six months[10]
    • Must provide a Social Security number or ITIN[10]
    • Must have an active checking account and a debit or credit card[10]
  • Down payment: $49[10]
  • Interest and fees: Varies by lease agreement; use the estimator on Big Lots’ Progressive Leasing application site to see your total cost.
  • Apply

5. Conn’s Home Plus

  • What it sells: Furniture, appliances, computers, electronics, and more[11]
  • Buy now, pay later program: Progressive Leasing[12]
  • Requirements:
    • Must be 18 or older[13]
    • Must have a credit card or debit card[13]
    • Must have a checking account and provide your account and routing numbers[13]
    • Must have a government-issued photo ID[13]
  • Down payment: $59[13]
  • Interest and fees: Vary depending on your lease; use the estimator on the Conn’s application page to see your total cost.
  • Apply

6. Kmart

  • What it sells: Furniture, home goods, electronics, and more[14]
  • Buy now, pay later program: Kmart Leasing powered by WhyNotLeaseIt[14]
  • Requirements:
    • Must be 18 or older and meet the minimum monthly income of your lease[14]
    • Must provide a valid Social Security number or ITIN[14]
    • Must provide a valid email address[14]
    • Must have a valid checking account and credit or debit card[14]
    • Must make your first payment at the time of lease opening and set up regular payments[14]
  • Down payment: First lease payment due at purchase[14]
  • Interest and fees: 5% to 10%[14]
  • Apply

7. Sears

  • What it sells: Furniture, home goods, appliances, electronics, and more[15]
  • Buy now, pay later program: Sears Leasing powered by WhyNotLeaseIt[16]
  • Requirements:
    • Must be 18 or older[16]
    • Must meet the minimum monthly income required by your lease[16]
    • Must have a valid Social Security number or ITIN[16]
    • Must have a valid email address[16]
    • Must have a valid checking account, credit card, or debit card[16]
  • Down payment: First lease payment due at purchase[16]
  • Interest and fees: 5% to 10%[16]
  • Apply

Soft Credit Check Options

8. Wayfair

  • What it sells: Furniture, home goods, and decor[17]
  • Buy now, pay later program: Affirm[18]
  • Requirements:
    • Must be 18 or older (18 in Alabama or for wards of the state in Nebraska)[19]
    • Must provide a valid U.S. address and mobile or VoIP number[19]
    • Must provide your name, email address, birth date, and the last four digits of your Social Security number[19]
    • Not available in Iowa or West Virginia[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]
  • Shop (Note: You’ll apply for Affirm at checkout.)

9. 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((https://www.flexshopper.com/page/how-it-works#))
  • Requirements:
    • Must be 18 or older (19 in Alabama or Nebraska and 21 in Mississippi)[23]
    • Must have provable income[23]
    • Must provide a Social Security number or ITIN[23]
    • Must provide a valid phone number and address[23]
    • Must have a valid checking account in good standing[23]
    • Not available to residents of New Jersey, Minnesota, Wisconsin, or Wyoming[23]
  • Down payment: First payment due at purchase[24]
  • Interest and fees: No interest; leasing charges vary depending on how quickly you pay off the item, with a minimum of $50 more than the merchant price[23]
  • Apply

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

  1. https://zebit.zendesk.com/hc/en-us/articles/212910227-What-types-of-goods-are-sold-in-the-Zebit-Market-[]
  2. https://zebit.zendesk.com/hc/en-us/articles/224992848-What-is-a-ZebitLine-[][]
  3. https://zebit.com/[][][]
  4. https://zebit.zendesk.com/hc/en-us/articles/212230018-Are-there-any-membership-fees-or-interest-charges-associated-with-using-Zebit-[]
  5. https://www.leaseville.com/[]
  6. https://www.leaseville.com/how-it-works[]
  7. https://www.leaseville.com/faq[][][][]
  8. https://www.overstock.com/[]
  9. https://www.overstock.com/leasing[][][][][][]
  10. https://www.biglots.com/page/progressive-leasing/[][][][][][]
  11. https://www.conns.com/[]
  12. https://www.conns.com/progressive-leasing[]
  13. https://approve.me/s/connsinc/84388#/marketing[][][][][]
  14. https://www.kmart.com/en_us/dap/leasing.html[][][][][][][][][]
  15. https://www.sears.com/[]
  16. https://www.sears.com/en_us/dap/leasing.html[][][][][][][][]
  17. https://www.wayfair.com/[]
  18. https://www.wayfair.com/help/article/ordering_information[]
  19. https://docs.affirm.com/affirm-developers/docs/customer-facing-teams-faqs[][][][]
  20. https://helpcenter.affirm.com/s/article/shop-online-or-in-the-app#downpayment-required[]
  21. https://helpcenter.affirm.com/s/article/what-is-affirm#Interest-and-no-fees[]
  22. https://www.flexshopper.com/[]
  23. https://www.flexshopper.com/page/faqs?itm_medium=footer-link&itm_content=faq[][][][][][][]
  24. https://www.flexshopper.com/page/how-it-works[]