7 Best Bill Me Later Stores with No Credit Check

Have you ever wondered if you could shop online without a credit card? Especially when you’re not financially prepared, don’t have a credit card, or your credit card has already maxed out. Now, you can shop without using your credit cards at Bill Me Later stores no credit check. Bill me later is a convenient way to pay without having to enter account numbers. It’s fast and easy, helping you shop big or small at your favorite online stores. Bill me later gives you control and flexibility on pay now or pay later.

Bill Me Later (or perhaps you know it as “PayPal Credit”) is a type of credit account you can use to shop at thousands of online stores without a credit check. Launched in 2008, it was rebranded in 2015. It’s card-less and paperless, making this option is a secure and convenient way to pay on the web or over the phone. It’s perfect for anyone who doesn’t’ feel comfortable using a credit card online or those who don’t have access to a credit card.

With the Bill Me Later option, you can use the reusable credit line to shop online anywhere PayPal is accepted. Besides, you’ll get 6 months of special financing every time you shop for 99 USD or more. When you shop at online stores, you have options to pay them off right away or spread the costs over several months. You may get interest-free periods or reduced interest rates on certain purchases when using Bill Me Later at check out.

How do you get the Bill Me Later feature

Bill me later stores offer a secure payment method for purchasing on the web. You don’t need to complete a lengthy application before making a purchase. When you’re shopping online and head to check out, you’ll see Bill Me Later (PayPal Credit) as one of the payment options.

Bill Me Later stores no credit check
Bill me later

Simply select this option to complete your request. To start a Bill Me Later account, you can sign in with a PayPal account, or even without PayPal. No account or credit card numbers to enter, but the shops will ask your birth date, the last four digits social security number, and have you agreed to their terms. Your credit approval is given within seconds. It allows you to opt for full payment with no additional interest fees or pay in several portions. You’ll receive an email from Bill Me Later 10-14 days after your purchase. Your total amount of purchases will appear on a monthly statement.

Though it’s very convenient for online shoppers who don’t have a credit card or need more credit to make a purchase, you need to consider the high-interest charges if you can’t pay on time.

Best Bill Me Later stores no credit check

Bill Me Later is available at more than 1,000 online merchants and stores that accept standard PayPal payments. If you want to use the Bill Me Later program, just select this option when you check out at online stores. Some stores may have this option on their check out, while others don’t.
You’ll find plenty of participating stores offer Bill Me Later. Here are some of them:

1. e-Bay

Stands for electronic Bay, e-Bay is one of the global e-commerce leaders. Based in San Jose, California, this company facilitates millions of buyers and sellers around the world through its website.

Here, you’ll find millions of items are listed, bought, or sold. These items include equipment, appliances, décors, vehicles, electronics, fashions, and much more. It ships items worldwide with several shipping methods, including express mail, ordinary mail, and/or courier service.

It also offers several method payments, including buy now pay later, making e-Bay is one of the best Bill Me Later stores that require no credit check. If the items of your purchase are available for Bill Me Later, use this option at checkout. However, you should take note that this option is subject to credit approval.

2. Walmart

Walmart is an American multinational retail corporation with thousands of stores throughout the United States. It operates grocery stores, a chain of hypermarkets, and discount department stores. You’ll find huge selections of products, including electronics, jewelry, pet supplies, home and furniture, and much more.

Shopping at Walmart.com, you may get free shipping with no minimum orders. It also offers buy now pay later financing. You can purchase whatever you want online and select Bill Me Later. No need for a credit card! This also makes it one of the best sites for plus-sized clothing. Depends on the availability, you will get a bill 3-4 months later.

You can pay in full or pay in several payments. Please note that Bill Me Later is only accepted in Walmart.com, not physic stores.

3. Overstock

As one of the best Bill Me Later stores, Overstock offers an alternative to traditional credit cards. It allows you to purchase a wide range of products in one place, whether you’re looking for jewelry, decors, apparel, furniture, and more.

With Bill Me Later payment, you can purchase online or via telephone. You need to provide your birth date and the last four digits of your social security number. If you’re qualified, you will get online credit in an instant. Within 14 days, you’ll receive a bill that you can pay in full or finance over time.

4. Best Buy

If you’re looking for a buy-now-pay-later online store, Best Buy can be your option. To get the advantage of various financing offers, you can apply for My Best Buy Credit Cards. If you don’t want to apply for the store credit card, you can opt for the Bill Me Later feature.

You’ll find this option when you check out your purchase. If you’re qualified, you may get 6 months of special financing when you shop for more than 99 USD. Please note that you may be charged interest fees if you don’t pay the balance in full within 6 months.

5. Vineyard Vines

In Vineyard Vines, there are plenty of clothing and accessories options for everyone. Men, women, boys, and girls can find all they need, from bags, ties, shoes, even phone cases. They ship to 50 across the US, including the District of Columbia.

There are several payment methods displayed at the checkout, including Bill Me Later if applicable. You can sign in using your PayPal account or simply sign in by giving your date of birth and your last four digits social security number. Once you agree with the terms, you’ll get instant approval.

6. Walgreens

As the second-largest pharmacy store chain in the US, Walgreens is specialized in health information, health and wellness, filing prescription, and photo service. Find anything you need from personal care, beauty, and vitamins.

Walgreens offers several methods of payment, including American Express, Visa, and MasterCard. If you make online orders and shipped to your address, you have Bill Me Later option. Just choose the option when you check out and get 6 months of interest-free pay over if you shop for 99 USD or more.

7. Target

Shop for everything you need! You’ll find anything from groceries and essentials, movies and books, to electronics and clothing at the 8th-largest retailer in the United States. You can find Target stores in all 50 states across the USA and shop online.

Target accepts several payment options and also offers a buy now pay later. If you need to buy essentials, but you don’t want to use credit cards or don’t have the cash, you can opt for Bill Me Later. Check the Bill Me Later availability when you do the checkout and choose it as your payment method. If you’re qualified, your orders will be processed in seconds.

Bill me later gives you payment flexibility, where you can pay the balance in full without any interest. Or you can make a minimum monthly payment, which interest charges may apply. If your total purchases more than 99 USD, you can pay in six months without interest fees.


When shopping online, using Bill Me Later gives you some advantages, including convenience and safety when making a payment. The buy-now-pay-later financing allows you to shop without needing an actual credit card. It’s perfect for those who don’t want to use a credit card or don’t have the money when making the purchase. Besides, Bill Me Later stores no credit check allows you to pay later on your purchase.

It also offers six months payment period without interest on purchases over 99 USD. But, minimum monthly payments are required. This may sound very attractive, but it can be also dangerous. If you fail to pay off the balance by the end of the 6 months, you’ll be charged interest fees. When you shop online, choose the Bill Me Later option when checking out. Once your orders are approved, they will send you an email with a link to your electronic statement approximately 10-14 days after your purchase.