16 Buy Now, Pay Later Stores (5 With No Credit Check): Kmart? Gap? etc

Whether you need something for the house or your closets, there are several options that can help you get what you need now and pay for your purchases over time. You can find buy now, pay later stores offering everything from clothing for the family to home goods, appliances, furniture, and more. This article will help you identify buy now, pay later stores in your area, some with traditional credit-based financing programs and some buy now, pay later stores with no credit check. Yes, buy now, pay later stores, no credit check necessary exist.

In This Article

Buy Now, Pay Later Stores

These stores offer buy now, pay later financing — some with no credit check. Keep in mind that if you use a financing program for purchases, you’ll end up paying a bit more than the retail price. It’s important to choose buy now, pay later financing that fits your budget, so you can ensure that all your payments are made on time.

Clothing and Department Stores

Bloomingdale’s

Century 21

Note: Century 21 only has locations in FL, NJ, NY, and PA.

Gap

NOTE: Gap credit can also be used at all Athleta, Banana Republic, and Old Navy retail and online stores.

Kmart

  • Buy now, pay later option: WhyNotLeaseIt
  • Approval requirements: No credit check. Must be at least 18; earn a minimum of $1,000 a month; and have an active checking account, debit card, or credit card to qualify.
  • First payment: Due at time of purchase
  • Source: Kmart Leasing page
  • Apply for financing: Complete the online application at the Sears LeaseIt page or apply in-store.
  • Find your nearest Kmart or shop online

Macy’s

Neiman Marcus

Nordstrom

Sears

  • Buy now, pay later option: WhyNotLeaseIt
  • Approval requirements: No credit check. Must be at least 18; earn a minimum of $1,000 a month; and have an active checking account, debit card, or credit card to qualify.
  • First payment: First payment due at time of purchase
  • Source: Sears Leasing page
  • Apply for financing: Complete the online application at the Sears LeaseIt page, or apply in-store.
  • Find your nearest Sears or shop online

Walmart

  • Buy now, pay later option: Walmart Credit Card
  • Approval requirements: Credit check — fair or better credit typically needed
  • First payment: Due 30 days from date of purchase
  • Source: Walmart Credit Card page
  • Apply for financing: Sign in to Walmart.com or create a free account to complete the online application or apply in-store.
  • Find your nearest Walmart or shop online

Suggested Article: Grocery Stores That Allow Buy Now, Pay Later (Some with Free Delivery)

Home and Garden Stores

Atlantic Bedding and Furniture

Big Lots

Conn’s Home Plus

Crate and Barrel

Lowe’s

Pottery Barn

Suggested: Is Pottery Barn Furniture Quality?

The Home Depot

In Summary

If you’re looking for buy now, pay later stores, chances are there’s a store near you with a financing program that suits your financial situation, regardless of your credit score. Buy now, pay later stores, no credit check necessary even exist. Many regional and national retail chains offer buy now, pay later programs that let you put to work the items you need today and pay for them over time. Remember to read the fine print, including the current interest rates or leasing charges for any financing program, to ensure you’ll be able to make your payments on time while enjoying your new home purchases.

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