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

Many websites and catalogs (both online and physical) offer buy now, pay later payment options. Most commonly, stores will let you apply for a store credit card, but some offer other options like renting to own or leasing. Many buy now, pay later payment plans are geared toward customers with less-than-perfect credit, and sometimes there’s no credit check required at all. These can be good opportunities for people who need to make large purchases quickly but can’t pay upfront and/or those who have trouble getting approved for credit but need a credit card to build their credit score. Be aware of things like late fees and interest rates so you can be sure that you can afford to pay off the total purchase. Below, we have the list of buy now, pay later websites and catalogs to consider.

How Buy Now, Pay Later Works

“Buy now, pay later” is essentially a long-term payment option. It allows customers to take home items that they want or need right away, but don’t have the money to pay for in full at that moment. Buy now, pay later stores will often allow you an interest-free period in which you can pay off the total cost of the item you purchased with no additional interest or fees. This period is usually six months to one year long, and consists of a set amount of monthly payments, but can vary.

After the interest-free period is over, the store will usually charge you an additional monthly fee, a high interest rate, or some percentage of the item price in addition to the total cost of the item. Needless to say, paying off the item during the interest-free payment period is the ideal way to pay off the purchase; after the interest-free period, the APR can be up to 30%, meaning you will need to pay much more than the original purchase price for the item(s).

Some stores partner with third-party payment processing companies like Affirm, Afterpay, and AppectanceNOW, which offer buy now, pay later or lease-to-own financing options to customers with poor credit. The terms are similar to those offered by in-house store financing, but you need to apply for Affirm and other outside programs separately, usually from the store’s online checkout page.

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 before purchasing it so you can avoid missed payments, late fees, interest accrual, and other repayment issues.

We’ve Done the Comparing for You — Here’s What We Recommend

When you’re looking for buy now, pay later options for virtually any type of purchase, retailers like Target, Fingerhut, Boscov’s, and Flexshopper offer a variety of options that can fit all budgets and needs. Target offers both a debit and credit card, Fingerhut and Boscov’s have easy-approval credit cards, and FlexShopper offers a lease-to-own program.

For more specific catalogs, consider shopping through Wayfair for furniture and home decor and Bradford Exchange for luxury items. Additionally, Monroe and Main offers easy credit approval for clothing purchases.

Comparison Table: Sites and Catalogs With Buy Now, Pay Later Payment Plans

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 or scroll for more details.

Catalog Category Buy Now, Pay Later Option Credit Requirement Average APR Late Fees
Target General Retail Target REDCard or Credit Card Fair 23% Up to $40
Fingerhut General Retail Fingerhut Credit Card Fair 10% to 20% Up to $38
Boscov's General Retail Boscov's Credit Card Fair 25% Up to $40
FlexShopper General Retail Lease-to-own program Poor Varies Varies
Home Shopping Network (HSN) General Retail HSN Store Credit Card Fair 13% to 28% Up to $38
Stoneberry General Retail Stoneberry credit card Fair 12% to 24% Up to $15
Gettington General Retail Gettington Store Credit Card Poor 30% Up to $40
Ginny's General Retail Ginny's Store Credit Card Poor 5% to 26% Up to $15
QVC General Retail Easy Pay Varies N/A Varies
Zebit Market General Retail Zebit credit card No credit check N/A N/A
Leaseville General Retail Lease-to-own No credit check N/A Varies
Seventh Avenue General Retail Seventh Avenue Credit Card Poor 5% to 24% Up to $15
Monroe and Main Clothing Monroe and Main Credit Card Poor 5% to 26% Up to $15
Midnight Velvet Clothing Midnight Velvet Credit Poor 6% to 25% Up to $15
Ashro Clothing Ashro Credit Card Poor 6% to 25% Up to $15
FullBeauty Clothing FullBeauty Credit Card Fair Varies Up to $40
Wayfair Furniture Affirm financing or Wayfair Credit Card Poor for Affirm; fair for credit card 15% for Affirm; 28% for credit card Up to $40 for credit card; none for Affirm
Bob's Discount Furniture Furniture AcceptanceNOW lease-to-own or My Bob's Card None for AcceptanceNOW; fair for credit card Variable for AcceptanceNOW; 28% for credit card Up to $38 for credit card
Country Door Furniture Country Door Credit Card Poor 5% to 24% Up to $15
Furniture7 Furniture Progressive Leasing Varies Varies Varies
LutherSales Furniture Allotment loans Varies 17% to 23% $20 or 5% of payment
MDG Furniture Open credit financing through Capital Community Bank Varies 18% to 36% Varies
Bradford Exchange Luxury Items Installment plan Varies N/A N/A
Fascinating Diamonds Luxury Items Affirm financing Poor 15% N/A
Bully Max Pet Supplies Afterpay installments None N/A Up to 25% of the order amount
Oui Oui Frenchie Pet Supplies Afterpay installments None N/A Up to 25% of the order amount
Dog.com Pet Supplies PayPal Credit Fair 25% Up to $38

The List of Sites and Catalogs With Buy Now, Pay Later Plans

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

General Retail

Target

  • Retail locations? Yes
  • Selection: Groceries, home furnishings, clothing, kitchen wares, electronics, and more
  • Buy now, pay later option: Target REDCard or Credit Card
  • Credit requirement: Fair
  • APR: Around 23%
  • Late fee: Up to $40
  • Find out more or start shopping

Fingerhut

  • Retail locations? No, but you can request the physical catalog
  • Selection: Fingerhut has multiple departments and sells everything from furniture to jewelry, often brand-name.
  • Buy now, pay later option: Fingerhut Credit Card
  • Credit requirement: Fair
  • APR: Around 20% to 30%
  • Late fee: Up to $38
  • Find out more or start shopping

For similar shopping options, we also list shopping sites like Fingerhut.

Boscov’s

  • Retail locations? Yes
  • Selection: Clothing, shoes, and accessories for the whole family, as well as furniture and home decor
  • Buy now, pay later option: Boscov’s Credit Card
  • Credit requirement: Fair
  • APR: Around 25%
  • Late fee: Up to $40
  • Find out more or start shopping (paid partner link)

Flexshopper

  • Retail locations? No
  • Selection: FlexShopper has multiple departments, and sells everything from furniture to jewelry, often brand-name.
  • Buy now, pay later option: Lease-to-own program
  • Credit requirement: Poor
  • APR: Varies by lease agreement
  • Late fee: Varies by lease agreement
  • Find out more or start shopping

For similar shopping options, we also list shopping sites like FlexShopper.

Home Shopping Netword (HSN)

  • Retail locations? HSN has some outlet stores in Florida, but operates primarily online
  • Selection: HSN has multiple departments, and sells everything from furniture to jewelry, often brand-name.
  • Buy now, pay later option: HSN Store Credit Card
  • Credit requirement: Fair
  • APR: Variable from 13% to 28%
  • Late fee: Up to $38
  • Find out more or start shopping (paid partner link)

Stoneberry

  • Retail locations? No
  • Selection: Stoneberry has multiple departments and sells everything from furniture to jewelry, often brand-name.
  • Buy now, pay later option: Stoneberry credit card
  • Credit requirement: Fair
  • APR: Variable between 12% to 24%
  • Late fee: Up to $15
  • Find out more or start shopping

Gettington

  • Retail locations? No
  • Selection: Gettington has multiple departments, and sells everything from furniture to jewelry, often brand-name.
  • Buy now, pay later option: Gettington Store Credit Card
  • Credit requirement: Poor
  • APR: Around 30%
  • Late fee: Up to $40
  • Find out more or start shopping

Ginny’s

  • Retail locations? No, but you can request the physical catalog
  • Selection: Ginny’s has multiple departments, and sells everything from furniture to jewelry, often brand-name.
  • Buy now, pay later option: Ginny’s Store Credit Card
  • Credit requirement: Poor
  • Applicable fees: Variable from 5% to 26%
  • Late fee: Up to $15
  • Find out more or start shopping

QVC

  • Retail locations? No
  • Selection: QVC has multiple departments, and sells everything from furniture to jewelry, often brand-name. However, the company has a separate section for buy now, pay later options.
  • Buy now, pay later option: Easy Pay
  • Credit requirement: The company’s website states that Easy Pay (QVC’s “buy now, pay later” option) offers are subject to approval by QVC based on a number of factors, including item type, price, and payment history. You must also have a major credit card to participate in Easy Pay.
  • APR: N/A
  • Late fee: Varies by agreement
  • Find out more or start shopping

Zebit Market

  • Retail locations? No
  • Selection: Zebit has many departments, including everything from health and beauty, electronics, home décor, and book to lawn and garden, school supplies, pets, and more.
  • Buy now, pay later option: Zebit credit card
  • Credit requirement: Zebit does not run a credit check when you sign up. To register, you need to be at least 18 and employed. Zebit will verify your employment as part of the application process.
  • APR: N/A
  • Late fee: N/A; Zebit recommends calling customer service if you expect you will miss a payment
  • Find out more or start shopping

LeaseVille

  • Retail locations? No
  • Selection: Fitness equipment, engagement rings, computers, electronics, appliances, lawn and landscaping tools, furniture, and music equipment
  • Buy now, pay later option: Lease-to-own program
  • Credit requirement: While LeaseVille doesn’t perform credit checks, the company requires the following:
    • Customers must earn at least $1,000 per month.
    • Customers must be employed at the same job for at least six months, self-employed, or on SSI/VA/retirement/long-term disability
    • Customers must have a checking account that’s been open and active for at least three months and that meets the following criteria:
      • Five transactions per month with at least $500 in deposits per month
      • No non-sufficient or excessive overdrafts within the last 30 days
      • No prepaid debit cards
    • LeaseVille’s main site requires fair or better credit for approval.
  • APR: N/A
  • Late fee: Varies by agreement
  • Find out more or start shopping

Seventh Avenue

  • Retail locations? No, but you can request the physical catalog
  • Selection: Seventh Avenue has multiple departments, and sells everything from furniture to jewelry, often brand-name.
  • Buy now, pay later option: Seventh Avenue Credit Card
  • Credit requirement: Poor
  • APR: Variable between 5% and 24%
  • Late fee: Up to $15
  • Find out more or start shopping

Clothing

Monroe and Main

  • Retail locations? Monroe and Main has one store in Monroe, WI; you can also sign up to receive the physical catalog
  • Selection: Monroe and Main sells men’s and women’s clothing in regular and plus sizes. You can find activewear, pants suits, outerwear, and business attire on the website.
  • Buy now, pay later option: Monroe and Main Credit Card
  • Credit requirement: Poor
  • APR: Around 5% to 26% depending on credit history
  • Late fee: Up to $15
  • Find out more or start shopping

Midnight Velvet

  • Retail locations? No, but you can request a physical copy of the catalog
  • Selection: Clothing and home goods; Midnight Velvet has a lot of handy style guides available for customers to browse.
  • Buy now, pay later option: Midnight Velvet Credit
  • Credit requirement: Poor
  • APR: Around 6% to 25% depending on credit history
  • Late fee: Up to $15
  • Find out more or start shopping

Ashro

  • Retail locations? No, but you can sign up to receive the physical catalog
  • Selection: Formal, semi-formal, and casual clothing for women, as well as jackets, outerwear, and loungewear. You can also find casual and formal clothing for men. The clothes are African styles and prints.
  • Buy now, pay later option: Ashro Credit Card
  • Credit requirement: Poor
  • APR: Around 6% to 25% depending on credit history
  • Late fee: Up to $15
  • Find out more or start shopping

FullBeauty

  • Retail locations? No, but you can sign up to receive the physical catalog
  • Selection: Plus size clothing for both women and men
  • Buy now, pay later option: FullBeauty Credit Card
  • Credit requirement: Fair
  • APR: Variable depending on credit history
  • Late fee: Up to $40
  • Find out more or start shopping

Clothing stores often offer a store credit card as their buy now, pay later option. If you’re interested in credit card programs only, see our article on clothing store credit cards to consider. For even more clothing shopping options, see our other article on buy now, pay later clothing catalogs and stores.

Furniture and Home Decor

Wayfair

  • Retail locations? No
  • Selection: Affordable furniture, home goods, and home decor
  • Buy now, pay later option: Buy now, pay later with Affirm or the Wayfair Credit Card
  • Credit requirement: Affirm approves most customers, even with poor credit; customers with fair credit are typically approved for the Wayfair Credit Card.
  • APR: Around 15% for Affirm payments; the Wayfair Credit Card comes with an APR around 28%
  • Late fee: Up to $40 for the Wayfair Credit Card; no late fees for Affirm payments
  • Find out more or start shopping (paid partner link)

Bob’s Discount Furniture

  • Retail locations? Yes
  • Selection: Affordable furniture that is available for nationwide delivery
  • Buy now, pay later option: Lease-to-own through AcceptanceNOWor the My Bob’s Card credit card backed by Wells Fargo
  • Credit requirement: A hard credit check is required for both options; there is no minimum requirement for AcceptanceNow, and fair credit is needed for My Bob’s Card
  • APR: Variable for lease-to-own; up to 28% for My Bob’s Card
  • Late fee: Up to $38 for My Bob’s Card
  • Find out more or start shopping

Country Door

  • Retail locations? Online only for retail, but you can pay your bills at a physical location
  • Selection: Home decor, furniture, and seasonal accents
  • Buy now, pay later option: Country Door credit card
  • Credit requirement: Poor
  • APR: Variable from 5% to 24%
  • Late fee: Up to $15
  • Find out more or start shopping

Furniture7

  • Retail locations? No
  • Selection: Indoor and outdoor furniture, home decor, and electronics
  • Buy now, pay later option: Progressive Leasing for up to 12 months
  • Credit requirement: Credit check required, but no minimum credit score listed; must have verifiable income and an active bank account
  • APR: Vary depending on your credit history
  • Late fee: Varies by agreement
  • Find out more or start shopping

LutherSales

  • Retail locations? No
  • Selection: Furniture, home decor, electronics, mattresses, exercise equipment, sporting goods, and more
  • Buy now, pay later option: Allotment loans with terms up to 36 months
  • Credit requirement: Hard credit check required for loan financing; no minimum credit requirement, but if you have bad credit, you may be required to provide a down payment
  • APR: Variable from 17% to 23%
  • Late fee: $20 or 5% of the payment, whichever is greater
  • Find out more or start shopping

MDG

  • Retail locations? No
  • Selection: Furniture, appliances, and mattresses, as well as various consumer electronics
  • Buy now, pay later option: Open credit financing issued by Capital Community Bank
  • Credit requirement: Hard credit check required with no minimum credit score listed
  • APR: Variable from 18% to 36%
  • Late fee: Varies by agreement
  • Find out more or start shopping

Luxury Items

Bradford Exchange

  • Retail locations? Bradford Exchange has a few brick-and-mortar stores, but operates primarily online
  • Selection: Bradford Exchange has multiple departments specializing in artisan and personalized works; jewelry, collectibles, etc.
  • Buy now, pay later option: Installment plan
  • Credit requirement: The company doesn’t specify, but does state that they only accept Visa, Mastercard, Discover, American Express, and PayPal for payments of your online order.
  • APR: N/A
  • Late fee: N/A
  • Find out more or start shopping

Fascinating Diamonds

  • Retail locations? One location in New York, but operates primarily online
  • Selection: Fine jewelry, rings, gemstones, and wedding jewelry
  • Buy now, pay later option: Three-, six-, and 12-month financing plans with Affirm
  • Credit requirement: Affirm may only conduct a soft credit check; most buyers are approved, even with poor credit
  • Applicable fees: Around 15%
  • Late fee: N/A
  • Find out more or start shopping (paid partner link)

Pet Supplies

Oui Oui Frenchie

  • Retail locations? No
  • Selection: Adjustable harnesses, bandanas, collars, leashes, and other accessories for dogs
  • Buy now, pay later option: Pay in four interest-free installments with Afterpay; minimum order of $35
  • Credit requirement: None
  • APR: N/A
  • Late fee: Up to 25% of the original order value
  • Find out more or start shopping

Dog.com

  • Retail locations? No, but you can request the physical catalog
  • Selection: Food, treats, flea and tick products, crates/carriers, toys, bedding, collars, and training supplies for dogs
  • Buy now, pay later option: PayPal Credit
  • 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.
  • Applicable fees: Around 25%
  • Late fee: Up to $38
  • Find out more or start shopping

In Summary

There are several buy now, pay later payment plans available, especially at online stores. These can be convenient ways to finance large purchases, and many offer the opportunity to build credit. Be sure to make your payments on time to avoid late fees, and if there is an interest-free period, it is best to pay off the purchase in full before this period ends, so you can avoid potentially high interest rates.

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

19 comments

    • Lindsey Desmet says:
      First Quarter Finance logostaff

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

  • 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.

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

    • Laura Bachmann says:
      First Quarter Finance logostaff

      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.

    • Rebecca Turley says:
      First Quarter Finance logostaff

      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.

    • Hillary M. Miller says:
      First Quarter Finance logostaff

      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!

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

    • Hillary M. Miller says:
      First Quarter Finance logostaff

      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!

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

    • Hillary M. Miller says:
      First Quarter Finance logostaff

      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!

    • 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 says:

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

      • Hillary M. Miller says:
        First Quarter Finance logostaff

        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!