If your credit isn’t in good shape or if you haven’t built a credit record yet, there are still ways you can make purchases and delay payment. Buy now, pay later catalogs with no credit check allow you make the purchases you want now, and then pay for them over time.

Read on to find out more about catalogs with no credit check and options for catalogs that don’t impact your credit store and typically approve, even if you have bad credit.

Buy Now, Pay Later Catalogs with No Credit Check

The following catalog stores don’t run a credit check in order to approve financing. We’ve included both online and brick-and-mortar stores that offer buy now, pay later catalogs with no credit check.

1. Big Lots

2. Conn’s Home Plus

3. Kmart

4. Leaseville No Credit

NOTE: Leaseville No Credit is a subsidiary store of Leaseville. The main Leaseville site requires a credit check for financing, but Leaseville No Credit does not.

  • What Leaseville No Credit sells: Electronics, appliances, furniture, jewelry, lawn & garden, fitness, and music equipment
  • No credit check program: Leaseville No Credit Leasing
  • Requirements:
    • Steady employment or government benefits for at least six months
    • Minimum $1,000 monthly income
    • Open, active checking account at least three months old with no excessive overdrafts or non-sufficient funds in the last 30 days
    • Five transactions and at least $500 in deposits per month
    • Prepaid debit and credit cards cannot be used to make payments
  • Down payment: First lease payment due at purchase
  • Source: How LeasevilleNoCredit.com Works
  • Shop online at Leaseville No Credit and then fill out the short leasing application form at checkout.
  • No print catalog available but you can browse Leaseville No Credit offerings online

5. Overstock

Note: Overstock leasing is not available in AL, AK, CT, HI, KY, MN, NC, NJ, PA, UT, VT, WA, WI, or WY.

6. Sears

7. Zebit Market

Buy Now, Pay Later Catalogs That Don’t Hurt Your Credit Score

The following catalog stores perform a “soft” credit check for financing approval. This means your credit will be checked, but it won’t hurt your credit score. Soft credit check financing is useful for anyone who’s trying to improve their credit — it not only prevents the loss of credit points, but it also gives you a new line of credit that can improve your credit score as long as you make all your payments on time.

For these catalog stores that use soft credit checks, most customers are approved for financing, even if they have bad credit or no credit.

8. Bluefly

  • What Bluefly sells: Men’s and women’s clothing, shoes, and accessories; beauty items; jewelry; home décor; electronics
  • Credit program: Affirm
  • Requirements: Must be 18 or older with a valid social security number and mobile phone number. There are specific minimum requirements for income or credit level.
  • Down payment: Those approved with poor or no credit scores may be required to make a small down payment. Otherwise, the first payment is due 30 days from purchase.
  • Source: Bluefly FAQs
  • How to apply: Shop online at Bluefly, and then choose Buy Now, Pay Later with Affirm at checkout to complete the short application.
  • Start shopping at Bluefly

9. Fashion to Figure

  • What Fashion to Figure sells: Plus-size fashion apparel and accessories
  • Credit program: Affirm
  • Requirements: To qualify, you must be 18 or older with a valid social security number and mobile phone number. Approval is based on a variety of factors with no specific minimum requirements for income or credit level.
  • Down payment: Those approved with poor or no credit scores may be required to make a small down payment. Otherwise, the first payment is due 30 days from purchase.
  • Source: Fashion to Figure FAQs
  • How to apply: Shop online at Fashion to Figure, and then choose Buy Now, Pay Later with Affirm at checkout to complete the short application.
  • Start shopping at Fashion to Figure

10. FlexShopper

  • What FlexShopper sells: Computers, cell phones, electronics, furniture, toys and video games, furniture, appliances, home & garden, and more
  • Credit program: FlexShopper Credit
  • Requirements: To qualify, you must earn at least $1,000 a month and have a bank account that’s been active for at least 90 days
  • Down payment: First payment due at purchase
  • Source: Customer service representative
  • How to apply: Fill out the online FlexShopper credit application
  • Start shopping at FlexShopper

11. Vestiaire Collective

  • What Vestiaire Collective sells: Pre-owned luxury fashion
  • Credit program: Affirm
  • Requirements: To qualify, you must be 18 or older with a valid social security number and mobile phone number. Approval is based on a variety of factors with no specific minimum requirements for income or credit level.
  • Down payment: Those approved with poor or no credit scores may be required to make a small down payment. Otherwise, the first payment is due 30 days from purchase.
  • Source: Vestiaire Collective Wear Now, Pay Later page (must create an account or sign in with Facebook to view)
  • How to apply: Shop online at Vestiaire Collective, and then choose Buy Now, Pay Later with Affirm at checkout to complete the short application.
  • Start shopping at Vestiaire Collective

12. Wayfair

  • What Wayfair sells: Furniture, home goods, and decor
  • Credit program: Affirm
  • Requirements: To qualify, you must be 18 or older with a valid Social Security number and mobile phone number. Approval is based on a variety of factors with no specific minimum requirements for income or credit level.
  • Down payment: Those approved with poor or no credit scores may be required to make a small down payment. Otherwise, the first payment is due 30 days from purchase.
  • Source: Wayfair Buy Now, Pay Later with Affirm page
  • How to apply: Shop online at Wayfair, and then choose Buy Now, Pay Later with Affirm at checkout to complete the short application.
  • Start shopping at Wayfair
  • Walmart did indeed buy Wayfair. Many readers are wondering if Wayfair items can simply be returned to Walmart instead of shipped back to Wayfair. Here’s our article about returning Wayfair items to Walmart.

In Summary

If you have poor credit or no credit, you can still make purchases and pay for them over time using buy now, pay later catalogs with no credit check. You may also be able to get financing for your purchases with catalogs that use a soft credit check, which doesn’t affect your credit score and can help you rebuild your credit when you make all your payments on time.