Buy Now Pay Later Catalogs for People with Bad Credit 2024

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Buying items is now easier more than ever thanks to the buy now pay later option for people with bad credit. This service allows you to pay for your purchase over time. Customers can apply for store credit cards, rent-to-own, or lease-to-own programs as well as installment plans. These programs are usually offered in-house or involved a third-party financing company.

The good news: buy now pay later payment is open to people with a low credit score or even those with bad credit records. This is great for anyone who keeps having trouble getting credit approvals. Not to mention how it’s very helpful if you need to buy something but are unable to pay the full amount upfront. These are the buy now pay later catalogs for people with bad credit. On these websites, you can get anything from clothes, foods, to even electronics. Looking for a specific website with Buy Now Pay Later? Check out our list of top 17 websites with buy now pay later for bad credit.

Buy Now Pay Later Catalogs for People with Bad Credit

When a door is closed, another one opens. If Fingerhut rejects your application, there are similar websites where you can buy items and pay later. Some of these websites are friendlier with people with low credit scores. Some even don’t do a credit check for the customers. We compiled 15 websites below where you can buy items now and pay later.


Being one of the most popular online platforms that provide thousands of items, we can’t miss Zebit on this list. You can buy electronics, home décor, and even health products on its website. It’s the perfect one-stop shop for everything you need.

Zebit claims that there are over thousands of customers who have shopped with them. They only require you to be at least 18 years old and have proof of income. They still need to verify your address and income for you to be eligible. If you’re qualified, you can get up to $2,500 on your ZebitLine Credit. Zebit also claims that the scheme will not affect your FICO score. You can register here if this sounds like your best choice!


Kmart is one of your go-to places when money isn’t always available at your fingertips. From extensive choices of electronics, clothes, to even jewelry, you can find them all here. Their lease program makes it easier for people with bad credit to buy anything on their website.

You won’t have to provide references when you’re applying for a lease at Kmart. Its flexible payment options make it easy for you to pay over some time depending on your income. You can choose to pay weekly (only for online shopping), twice a month, or monthly. With a quick and hassle-free process, you can take home any item from your favorite brand. To be eligible, you must be:

  • 18 years old or older
  • Have the required minimum monthly income
  • Have a valid Social Security or Taxpayer Identification Number
  • Valid checking account or debit/credit card
  • Valid email address

Indeed, Kmart is also one of the best sites to buy a TV with no credit check. To apply for Buy Now Pay Later, fill out a form through their website. Once you’re approved, bring your approval code to a Kmart near you and choose any item you want to bring home. Your down payment is also your first payment. They will deduct your next payments from your credit/debit card.

Big Lots

Furniture and home goods can be very costly. That’s why Big Lots offers a chance for anyone to get what they want with Progressive Leasing Program. Whether you have a bad credit record or no record, you can apply for their buy now pay later scheme.

To be eligible for the program, you must be at least 18 years old with steady employment for the past six months. Make sure you have a valid Social Security number or ITIN. You also need to have an active checking account and a debit or credit card. Depending on which lease agreement, the interest and fees may cost differently.


We definitely should include Leaseville in buy now pay later catalogs for people with bad credit. It’s considered as an A+ Rated Business by the Better Business Bureau (BBB). It’s one of the best places to find electronics, appliances, and even more. Through their lease-to-own program, you can buy anything you’re looking for. It’s a great alternative to buy goods in case you don’t have enough cash at the moment.

When you apply, LeaseVille will go through your personal information. This includes your bank account information and income/employment status. They don’t run hard credit checks either and will deduct the payment from your checking account. This may result in your bank charging overdraft fees so pay attention to that.


Looking for the latest cell phones or laptops? Go to FlexShopper for a convenient shopping experience. Through simple and easy steps, you can apply for up to a $2,500 instant spending limit. You can use this to choose among over 85,000 items listen on their website.

FlexShopper requires you to be at least 18 years old to be eligible. But you need to be at least 19 if you’re living in Alabama and 21 if you’re in Mississipi. When you apply, prepare for your proof of income, Social Security Number or ITIN, and a valid phone number. A valid address and a valid checking account in good standing are also required to apply. Note that this isn’t available to residents in New Jersey, Minnesota, Wisconsin, or Wyoming.


Unlike other shops, Afterpay hosts various shops instead of items. Through their website, you can find popular clothing brands to beauty products. It allows its customers to pay later online and in-store with four equal repayments. Your repayments are interest-free but make sure you always pay on time. You’ll be charged late fees if you don’t.

Afterpay is popular among millennials because of the fewer requirements they impose. Besides, you can find some of the best selections of hair bundles that you can buy through Afterpay. You only need to be at least 18 years old and have a debit or credit card to use their service. There’s no credit check whatsoever and everything runs automatically. Once you signed up, you’ll see the ‘pay with Afterpay’ option in your favorite online store. You’ll be making your repayments every two weeks for eight weeks. They will be charged automatically on your debit or credit card. See the list of shops you can use Afterpay with on this page.

Buy Now Pay Later catalogs for people with bad credit from
Buy Now Pay Later Catalogs

Oui Oui Frenchie

Teaming up with Afterpay, Oui Oui Frenchie offers a buy now pay later scheme for anyone who needs the right pet supplies. You only need to choose Afterpay as your payment method during checkout. The page will then direct you to Afterpay’s site to register and provide your payment details. They accept payments with either Visa or MasterCard.

You may have to sign up for an Afterpay account if you never used their service before. Oui Oui Frenchie requires at least $35 worth of items for you to use Afterpay and a maximum of $1,000. You can check out the details and frequently asked questions here.


Originated from Sweden, Klarna is a fintech company providing online financial services. Through one of their partnering stores, you can opt to use Klarna when you’re shopping. You can pay for your items later within 30 days. Or spread the cost into 3 interest-free installments. The first payment is made at the point of purchase and repayments are deducted from your card every 30 days. For a more convenient shopping experience, you can now download the Klarna app.

When choosing Pay Later, Klarna will assess your credit eligibility. But don’t worry because this search will not affect your credit score. Their buy now pay later scheme for people with bad credit doesn’t have any interest or any extra fee.

Fascinating Diamonds

Everybody loves luxury jewelry. Yet we all know that none of those items are always affordable. Not even when they’re up for discounts. Fascinating Diamonds make it easier for you to buy jewelry since they’re teaming up with Affirm. Affirm is one of the best platforms for a buy now pay later scheme for people with bad credit. You can choose either one of the available monthly financing plans. You can make repayment throughout 3, 6, or 12 months depending on your financial situation.

You only need to choose to Affirm as your payment method during checkout. Affirm may run a credit check during verification. Even so, most buyer’s applications are approved, even those with poor credit records.


Like Afterpay, Sezzle lets customers bring home any product they want and pay later. Your repayment will be split into four interest-free installments over 6 weeks. Shopping with Sezzle will also not have any impact on your credit score. You can browse through this page to check whether your favorite store is partnering with Sezzle or not. Sezzle is also teaming up with some of the best hair beauty products. It’s where you can get high-quality hair bundles without having to pay a big amount upfront.

Monroe and Main

With Monroe & Main Credit you can wear any clothes you want from Monroe and Main and pay later. Repayments start as low as $20 per month with hassle-free approval. There is no set limit to the credit. But you will be charged higher interest rates if you have a bad credit score. Monroe and Main also apply late fees which are charged about up to $15.

You may grow your limit if you make repayments accordingly and consistently. To apply for this, select Open & Pay with New Monroe & Main Credit Account. Then you should answer the given questions before you proceed to check out.


Ashro’s buy now pay later catalogs for people with bad credit are in a form of store credit. With Ashro Credit, you can have your product in hand without having to wait. Indeed, this is one of the best sites to shop with instant approval and no credit check. And then pay monthly payments starting at $20. The available Annual Percentage Rate (APR) is at 5.75% to 25.99%. The late payment fee is different depending on which state you are but it can go up to $15.

You can use this service by choosing Ashro Credit as your method of payment. You’ll have to answer several questions first before Ashro approves (or disapproves) your application. You can wait up to 24 hours for your approval. If you’re approved, you may have to pay a down payment.


Affordable clothing has always been the forte of fullbeauty. Having these clothes is now easier with fullbeauty Credit Card. This credit card also works as a privilege card for customers. Cardholders can enjoy $10 off from their order (valid one time only). As well as a $10 bonus reward in your first billing statement. The APR is around 27% and you may be charged a late fee of up to $40. There isn’t a set minimum for the credit requirement. And you may qualify for fair or higher credit if you managed to follow the terms.


If you have a decent employment history, you won’t have to worry about your credit score when applying for the allotment loans in LutherSales. Applying for a buy now pay later program is so quick. It usually takes about 3 minutes to apply and you can wait for same-day approval. Even if you don’t have three months of continuous employment, you may still qualify by paying the down payment. Also, unless you’ve been at your job less than three months, you can be approved with bad credit.

You can apply online through this page. Your payments can be carried out for up to 36 months. The APR rate varies from 17% to 23% depending on the state. You may be charged a late fee of $20 or 5% of the payment, whichever is greater.


Trying to get brand new furniture? Furniture7 offers a convenient financing option for their customers. You can choose a buy now pay later scheme for people with bad credit for outdoor furniture. Or you can always choose their Progressive Leasing program which requires no credit check.

Progressive Leasing charges a leasing fee instead of interest. To be eligible, you have to provide proof of income as well as an active bank account. While the late fee varies depending on which state you’re in. You can choose to pay in weekly, bi-weekly, or monthly payments. You can also buy more than one item depending on your pre-approved spending limit.

Frequently Asked Questions

Can you get a Littlewoods catalog with bad credit?

Litttlewoods credit approval is not the friendliest place for people with bad credit. It’s pretty unfortunate since it’s one of the few places that offer designer brands and luxury options. They do offer buy now pay later options but a high number of people have difficulties in applying for Littlewoods account. Their bad credit history happens to be the most common reason.

Does Clearpay do a credit check?

Good news for anyone with a bad credit rating/score, Clearpay doesn’t require a credit check. However, as more platforms are offering to buy now pay later schemes for people with bad credit, it’s important to know that using one of these services may affect your credit score. In case you miss payments or fail to repay (defaulting), this can be noted in your credit report. This note lasts for at least six years.

Why was I not eligible for Klarna?

Klarna is a Swedish buy now pay later platform which allows their clients to pay for goods or services online within 14 to 30 days. It works with some of the best sites to buy plus-sized clothes with Buy Now Pay Later. It’s particularly popular among fashion shoppers since they can try the pieces before they buy them. There may be several reasons why you’re not eligible for Klarna.

Your first purchase is too expensive. Try spending less than $100 for your first purchase.
The most common reason is probably because of a different shipping address and billing address. Or you may input an inaccurate billing address
Incorrect contact details

How do I apply for Klarna credit?

If the store you choose is partnering with Klarna, you can easily sign up for a Financing Account. The first time you choose to buy with their financing, you should apply for a Klarna Account during checkout. Klarna will check whether you’re eligible for their program and once you’re approved, your account will be created. Here’s a list of shops partnering with Klarna.

What credit score do you need for Klarna?

There is no specific minimum credit score requirement if you’re applying for Klarna. In fact, their financing is also open to anyone with no credit history. Klarna may do a soft credit pull if you apply for their 4 interest-free installment payments. Regardless, this will not hurt your credit score.


Before applying for a buy now pay later option, make sure to check on the requirements and terms. Pay attention to the late fees or possible interest rates in case your repayment is overdue. Another thing to consider is to only use it for items you’re sure you can afford to pay off. Apart from having more control of our financial situation, you may also have a better credit score by following the terms and conditions.

Some of these buy now pay later catalogs for people with bad credit may or may not improve your credit score. On each page, you will find frequently asked questions and what it does with your credit score. So, make sure to check on that too before deciding to apply!