Whether you have a bad credit score or no credit at all, you may have difficulty finding opportunities to buy now and pay later. With so many people doing most of their shopping online, this is a major inconvenience if you can’t pay with credit.
Thankfully, there are many online catalogues for people with bad credit that will extend an instant credit line without requiring a credit check. Many even offer a no credit check instant approval program. This can be a great purchasing option for people to buy items when needed, and then pay for them over time with a payment plan, regardless of your credit rating.
In this post, I will show you where you can get approved for online shopping catalogues even if you have a poor credit score or no credit history.
What is a Buy Now Pay Later catalogue?
If you want to shop at a “buy now pay later” online catalog with a bad credit score, you can order items that will be shipped to you immediately, but you’ll pay for them later. These could be items like electronics, clothing, furniture, beauty products, and household goods.
There are a few standard requirements you’ll need to met for these bad credit catalogues, such as being at least 18 years of age and having a valid U.S. bank account. The lenient credit terms will depend on the lender and your financial position.
This type of payment plan has been available for decades, but recently gained widespread popularity during the pandemic as more people started shopping online.
How does Buy Now Pay Later work?
Many people can’t afford to pay for large purchases in full, and rely on credit from time to time to buy what they need. Choosing a buy now pay later payment plan (also known as BNPL) gives you the ability to buy what you need now, and pay for it later based on specific terms that you must agree to.
This type of installment loan will often divide the total cost of your purchase into equal, monthly catalogue payments over a few months. Depending on the catalogue, you may have to make the first payment before your order is shipped. The remainder of the payments will be automatically billed to your debit card or credit card.
Some BNPL payment plans will charge interest and fees, while others charge neither. Make sure you read the terms of the buy now pay later terms carefully so you know exactly what to expect.
How do I apply for a Buy Now Pay Later payment plan if I have a bad credit score?
If you are unable to pay for your purchase in full and need to apply for an installment loan, first make sure the online store catalogue offers a buy now pay later payment plan.
Once you’ve confirmed that you have this option, simply add your items to the online basket and start the checkout process. Here you will be given the opportunity to fill out an online credit application for a BNPL installment loan.
You’ll need to provide your name, current address, phone number, email address and other important personal details. You will also submit a preferred method of payment for the monthly installments.
Some online stores will perform what’s called a “soft” credit check, which doesn’t impact your credit score. Sometimes, you’ll be approved or denied almost immediately. There are online catalogues that will notify you within 24 hours.
If you’re approved, you can complete the checkout process and your items will be shipped to you. Easy peasy!
Just be aware that if you make late payments or default on the loan, you will likely be charged significant penalty fees. Always read the fine print!
27 Buy Now Pay Later catalogues for people with a bad credit score
Even if you have a poor credit score, you have many options to purchase what you want immediately and then pay for it later. This is a great way to improve your ongoing credit score or build credit for yourself.
Here are 27 catalogs that offer a buy now pay later payment plan, even if you have no credit or a bad credit rating. With these instant credit options, you can still buy what you need even if you’re on a tight budget.
1. ABT Electronics & Appliances
You can buy now, pay later with an Affirm monthly payment plan at ABT Electronics & Appliances.
Affirm gives you the ability to pay for your purchases over time with no hidden fees. Just add your items to the online shopping cart and select Affirm as your payment method. You’ll be redirected to Affirm’s website to set your payment schedule. Enjoy APR rates as low as 0%!
You might be surprised to learn that you can apply for payment plans on Amazon. These installment loans are available as equal monthly payment options when you check out. They are available for most orders greater than $50, except for these items.
You can find just about anything you’re looking for on Amazon, from clothing to beauty products to cell phones to housewares to furniture – and everything in between!
3. Big Lots
Big Lots is a large retail store with an extensive range of discount merchandise. The list of items in their online catalogue includes a wide selection of furniture, seasonal items, electronics, home decor, beauty products, health products, household items, toys, and even food items.
This store offers a buy now payment plan through Progressive Leasing. According to Big Lot’s website, even a poor credit score or no credit history can still get you instant credit approval.
You will need to make an down payment upfront of $49, and then the balance will be paid in monthly installments. There is no interest rate, but there is a significant “lease-to-own” cost. There can be additional handling fees for items such as furniture and other larger items.
Boscov’s promotes its brand as “America’s largest family owned department store.” They offer a wide variety of merchandise, such as fashionable clothing, shoes, accessories, jewelry, furniture, home decor, beauty items, kitchen items, and bed and bath items. They offer their own store credit card through Comenity Bank.
In most cases, you will need at least an average credit score of 640 to get approved. They are well known for being easy to qualify for.
You will receive instant credit approval if you qualify, and there is no down payment required.
5. The Bradford Exchange
The Bradford Exchange produces and sells collectibles and limited-edition gift items such as collector plates and memorabilia. You can also find jewelry, apparel, and home decor on their website.
You can choose to buy items with a buy now pay later installment plan. This allows you to spread the total purchase cost over several months.
For items that have an installment plan, you will find the number of payments and their monthly amount on the item detail page. All you do is choose this payment plan when you checkout. Your payments are deducted from the payment method you submit, and no interest is charged.
6. Conn’s Home Plus
You can shop for furniture, electronic products, and kitchen appliances with Conn’s Home Plus online catalog. They do offer their own store credit card and direct loan financing. But, it’s their lease-to-own instant credit program that allows you to buy now and pay later with with monthly lease payments.
This program offers convenient flexible payment terms, 90-day early buyout options, and approvals up to $5,000.
7. Country Door
Country Door has an online catalogue that offers farmhouse and contemporary home decor. They encourage those with a bad credit score or no credit to apply for their Country Door instant credit program to build a positive credit history.
The difference between Country Door’s credit line and other store-branded credit cards is that they extend credit directly to you and not through a bank. This means no third-party fees and the ability to extend credit to those who normally wouldn’t qualify.
If you have bad credit, you may be required to make a down payment upfront before your items are shipped. Check out their FAQ page for more details.
8. Dooney & Bourke
Shop for quality-crafted handbags, satchels, and accessories at Dooney & Bourke. They will finance your purchases through Klarna financing, which gives you the option to divide your total balance into four equal bi-weekly payments with no interest.
Klarna does not have a minimum credit score to qualify, and they are known to have a high approval rate. All you have to do is choose the Klarna payment option on the checkout page, and you’ll be led through a quick approval process.
At Fingerhut’s online catalog, you will find thousands of products from household goods to electronic products to auto parts. They are widely know for extending credit to people with less than stellar credit.
They offer their “FreshStart” financing program for those who need to build or rebuild their credit and get in good financial standing. They also have a Fingerhut credit card for potential customers with better credit.
This installment payment plan requires a $50 minimum purchase with a $30 down payment at time of purchase.Then, you pay off the balance with monthly deferred payments.
Unlike other BNPL plans on this list, Fingerhut does charge a substantial interest rate. At the time of this post, the rate was 29.99%. The Fingerhut credit card has different terms, so be sure to research the details if you choose this option.
FlexShopper is a huge online lease-to-own marketplace where you can find almost anything you’re looking for. Their shopping categories include electric appliances, mobile phones, furniture items, jewelry, and even musical instruments.
This online catalogue store offers a lease-to-own payment option for those who want to buy now and pay later.Their payment plan has no hidden fees, and you can qualify for up to $2,500.
There are a few requirements you’ll need to meet to qualify. You must be 18 or older, have a current source of income, live in the U.S., have a valid checking account, and a social security number.
They claim that good credit is not necessary, but not everyone gets approved. Unlike others on this list, FlexShopper is a pay weekly catalogue, and payments must be made weekly via direct debit and can span up to 52 weeks. Once you’ve completed all 52 payments or exercised the early payment option, you own the products outright.
Ginny’s has a large online catalogue where you can shop for cookware, electric appliances, furniture, home decor, and bed and bath items.
Their buy now pay later program is very similar to Country Door (see #7), in that they extend credit directly to you and not through a bank. This means no complicated payment terms or third-party fees, and the ability to extend credit to those who normally wouldn’t qualify.
They also encourage those with a poor credit score or no credit to apply for their financing program to either rebuild their credit or start building a good credit history.
12. K. Jordan
If approved, you can spread your payments over several months, and your minimum payment will depend on your balance. They do charge interest, up to 29.99% depending on which state you live in.
Even with bad credit, K. Jordan Credit may offer an approval, contingent upon a down payment.
Shop LeaseVille’s online catalogue of thousands of items even if you have a bad credit score. Their LeaseVille No Credit Rent-To-Own program offers a monthly rental with the option to own. Choose from several categories such as electronics, furniture, gardening products and lawn items, jewelry, and more.
Whether you have bad credit or no credit, you can get instant approval for up to $3,500. They do not offer guaranteed approval, but the minimal approval credit requirements only include a 6-month consistent income of at least $1,200 a month and an active checking account in good standing.
14. Lucky Brand
Simply add items to the shopping cart, then choose the Klarna payment plan at checkout. Klarna will automatically charge you for 4 equal monthly payments to the payment method you submit (credit card or debit card).
With Klarna, there are no interest or added fees when you make your payments on time.
If you’re looking for high-end designer handbags and accessories, consider shopping the LuxeDH instant credit catalog. Even with no credit or a poor credit score, you may qualify for their buy now pay later program.
LuxeDH offers financing through Affirm to split your total into 3, 6, or 12 month payments. These payment plans do charge interest, and your rate will depend on your credit worthiness.
You must have a U.S. mobile number, shipping address, and Social Security number.
16. Mason Easy-Pay
Minimum monthly payments will depend on your total purchase amount. Interest rates could be as high as 29.99%.
The MDG catalogue offers thousands of electronic items and home furnishings at bargain prices. Their website states “MDG believes you should be able to buy the things you need regardless of your credit history.”
Even if your credit is less than perfect, you can shop and get instant approval up to $3,000. They also offer low minimum monthly payments and flexible payment plans.
18. Midnight Velvet
Midnight Velvet is one of the major shopping catalogue companies that sell a wide variety of items, including clothing, footwear, accessories, jewelry, home goods, and dining items. They offer a buy now pay later option with a monthly payment as low as $20.
Their website encourages those who are trying to build or repair their credit to apply. Reporting consistent, on-time payments to the three major credit bureaus can improve your score over time. They also offer flexible down-payment options.
19. Monroe and Main
Very similar to Midnight Velvet, Monroe and Main has an online catalogue with clothing, shoes, handbags, and household items.
With the Monroe & Main credit option, you can get instant approval and easy low monthly payments. They extend credit directly to you, which means no banks or high fees. Even if you’re rebuilding your credit, they offer flexible down payment options.
20. Montgomery Ward
The Montgomery Ward corporation has been a trusted retail source for 150 years, operating as a department store until 2001, and now as an instant credit catalog retailer. The Montgomery Ward online selection includes categories such as home goods, bed and bath products, clothing, electronics, and furniture.
With their Wards Credit financing program, you can shop for what you need and get instant credit when you checkout. Montgomery Ward starts their monthly payments as low as $10, and they offer flexible down payment options for those who are trying to improve a poor credit score.
You can also choose express delivery for an additional charge to receive your items within 1 or 2 business days.
Overstock offers a vast selection of liquidated products at discounted prices. On their website you’ll find a large selection of home decor items and furniture pieces. They also sell electronics, kitchen appliances, pet supplies, and much more.
This online retailer offers a lease-to-own program through Progressive Leasing. You do not need any credit history and they offer flexible payments.
A down payment is required when you sign the lease, and monthly payments are determined by the purchase balance and frequency of payments.
You must be 18 years or older, have a Social Security number, an active checking account, and either a valid credit card or debit card.
There are no fees or interest charges, but there is a substantial lease-to-own cost.
22. Seventh Avenue
In the Seventh Avenue online instant credit catalogue, you can shop an extensive collection of items for your home, as well as clothing, shoes, and accessories, and even gifts and toys.
This online retailer offers easy financing with their Seventh Avenue Credit payment plan. Just fill your cart, check out, then answer a few short questions. You will need to wait for up to 24 hours for credit decision approval.
If you get declined due to a bad credit situation, you may still qualify by making a small down payment on your first order.
Monthly payments are as low as $20, and there are no additional fees. However, the interest rate could be as high as 25.99%.
Stoneberry is a large online department store with a wide variety of categories to shop from. In their digital catalogue you’ll find electronics, toys, jewelry, clothing, tools, appliances, bedding, sporting goods and fitness items, and much more for your home.
The Stoneberry Credit buy now pay later program gives you the freedom to purchase what you want today and pay for it in monthly installments over time. Simply fill out a short form to get pre-qualified, which has no impact to your credit score.
If you get declined, Stoneberry will send you a letter explaining the reason why, as well as an offer to approve your credit request upon sending a specified down payment.
Minimum payments start as low as $5.99 and depend on your purchase balance. There are no annual fees or over-limit fees, but there are late fees and an interest charge as high as 29.99%.
24. The Swiss Colony
The Swiss Colony is a family-owned business that sells food gifts for every occasion. In their online catalogue you’ll find baked goods, fruitcakes, cheeses, hams, and confections. They also offer hand-decorated desserts for holiday gatherings.
This retailer provides buy now pay later financing with their Swiss Colony Credit payment plan. Once you place your order, you can request monthly installments and answer a few simple questions to qualify.
If you are trying to improve a poor credit score, they give you the option to make a small down payment on your first order. They also welcome applicants who are trying to strengthen a weak credit history.
There are no additional fees or minimum order requirements, but the interest rate could be as high as 25.99%.
In Venue’s online catalogue you’ll find clothing, jewelry, electronics, musical instruments, and even automotive equipment.
Venue makes financing easy with their buy now pay later installment plan. They work with multiple lenders to provide the best option for those with a bad credit score or no credit. So, even if you don’t qualify for their initial financing offer, they will present you with additional opportunities from other financing or lease-to-own providers so you can complete your purchase.
Wayfair is a huge online retailer that offers everything from home improvement merchandise to home decor to storage products.
Wayfair Financing works with buyers of all credit levels by providing several payment options through a variety of financial service providers. A few of these include Affirm installment loans, lines of credit through Citizens Pay, and Katapult lease-to-own options.
Once you’re ready to check out, just provide a few basic details such as current income and delivery address to determine your eligibility. If you qualify, you’ll receive offers for financing. Just accept the one you want and complete the steps given.
Zebit’s online catalogue offers name-brand electronics and mobile phones, furniture and home decor, and jewelry and accessories.
Zebit markets to those with “less than stellar credit” and does not require a FICO score to qualify for their payment plan. Although not all applicants are approved, the requirements are minimal and make it easy for people of all credit levels to qualify. Most approved applicants qualify for a catalogue credit limit between $750 and $1,500.
Down payments are typically 25% at checkout, but could be as much as 35%.
Pros and cons of purchasing from buy now pay later catalogues
Choosing a buy now pay later installment plan has both advantages and disadvantages. Although it’s convenient to have financing options even with a poor credit score, you can actually make your credit record worse if you’re not careful.
Here are some pros and cons of purchasing from a buy now pay later online catalogue.
Is a buy now pay later payment plan right for me?
A BNPL payment plan can sound like a good deal – but there are a few things you should carefully consider before you complete the online credit application.
Make sure you read the fine print and know what interest rates and fees you’ll be charged. Even if the installment plan claims there are no additional fees, you can still be responsible for financial penalties due to late payments or defaulting on the loan.
Although dividing a large purchase into several payments might seem very affordable, you are still creating a debt balance. However, with BNPL plans, the risk is greater than other forms of debt. If you are late or miss a payment, the fees you’ll be charged are much higher than a typical credit card.
If you’ve struggled in the past with paying off your credit card debt, you should avoid buy now pay later options. The convenience that these financing plans provide is not worth the consequences of missing a payment.
There are many online retailers where you can shop a variety of products from large catalogues of merchandise. The good news is that you have options to buy items on credit, even if your credit rating is not great.
Buy now pay later lenders will offer potential customers with a negative financial background the opportunity to purchase and receive items immediately, and pay for it later through monthly installments. This could be a good opportunity to build or repair bad credit history.
However, there can be serious financial risks of taking on this credit type. The late payment fees could easily double your purchase balance, and result in hurting your credit score.
Be sure you carefully review all credit checking criteria, repayment terms, interest rates, additional fees, and late payment penalties before submitting the online credit application.
What apps allow me to buy now and pay later?
Many online retailers will work with specific buy now pay later apps to help you purchase your items. These apps include AfterPay, Affirm, Klarna, Zip, and Sezzle.
Is buy now pay later a trap?
Buy now pay later installment plans are not a trap for the consumer. However, if you miss a payment, you might regret getting approved. Most BNPL lenders charge high penalty fees if you are late on even one payment.
Does Amazon do a credit check for buy now pay later?
Although there are several buy now pay later lenders that will pull what’s called a “soft” credit check, Amazon doesn’t use your credit report to determine approval.
How can I get approved for Affirm buy now pay later plan?
The buy now pay later app called Affirm has a few requirements to determine eligibility. You need to be at least 18 years old, have a Social Security number, and have a U.S. cell phone that can receive text messages.
What is the best buy now pay later app?
One of the best buy now pay later apps you can use is Affirm. This BNPL lender has no fees – not even late fees! Some transactions will charge interest, but Affirm charges simple interest so your interest charges won’t compound.
What online catalogue sites are similar to Fingerhut?
If you’d like to shop other sites that are a good alternative to Fingerhut, check out Seventh Avenue, Stoneberry, and Midnight Velvet.
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