Finance | Loans

The 10 Best Buy Now Pay Later Catalogs For People With Bad Credit

There are many websites and catalogs out there that are both physical and online that will offer you options where you buy now and pay later. Usually, a store will let you apply for a credit card specific to the store. However, there are stores that offer you options to lease objects in order to rent them to own them. Many of these plans were made specifically with Buy Now Pay Later Catalogs For People With Bad Credit in mind. In fact, some of them won’t even perform a credit check at all.

See our related article The 15 Best Buy Now Pay Later Bad Credit No Deposit Stores

These are great opportunities for you if you have trouble getting approvals for credit but still need to build your credit score by getting a credit score. Such options can be very useful as well if you would like to make a large purchase but are unable to pay the full amount upfront.

How does Buy Now Pay Later Work?

Buy Now Pay Later Catalogs For People With Bad Credit

Buy now pay later is a kind of payment option that is stretched over the long term. It gives customers the opportunity to buy items that they need to own right away but is unable to afford immediately. The store will give you a period, usually interest-free, in which you have the opportunity to pay for the product in full. For most stores, that period will be anywhere between six months and a year. In that period you will be making some monthly payments which vary according to the sum owed.

Once the interest-free period is complete, the store will do one of three things: It will either charge you an interest rate, which is typically high, it will charge you an additional fee every month on top of your current installments, or it will charge you some percentage of the purchase price on top of the total amount that you have to pay.

Obviously the smartest thing to do is to pay off the cost of the item during the interest-free period. In fact, it would definitely be the safest thing to do since the interest you will pay once that period is over can be anything between 20% and 40%.

You could potentially pay nearly half the cost of the item in pure interest. Most buy now pay later schemes are pretty reasonable, though, and give you plenty of opportunities to make the payment in full before the additional charges kick in. Here are some buy now pay later catalogs that don’t run a credit check and include both brick and mortar stores and online stores.

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List of 10 Best Buy Now Pay Later Catalogs Instant Approval: For People With Bad Credit

  1. Big Lots
  2. Conn’s Home Plus
  3. Kmart
  4. Leaseville No Credit
  5. Overstock
  6. Sears
  7. Zebit Market
  8. Bluefly
  9. Fashion to Figure
  10. FlexShopper

1) Big Lots

Big Lots is an online catalog that focuses on Apparel, home goods, furniture, electronics, food items, and a lot more. If you’re looking for a catalog that gives you variety in terms of what you can buy, then this catalog is the right choice for you. Leasing is a special kind of leasing known as progressive leasing. They also don’t check for credit.

There are a few requirements that you should meet in order to qualify to purchase things from this catalog. For starters, you need to be 18 years or older in order to qualify. But it doesn’t end there; you also need to have been in steady employment for at least 6 months prior to the purchase. You should have an active checking account with your bank and either a credit card or a debit card.

You should have a salary of at least $1000 every month and at least $500 in your checking account. These might seem like some strict requirements but they are actually pretty easy to meet for anyone who is employed, even on minimum wage.

The only down payment you have to make is the very first lease payment, which you will make a purchase, and then once a month from there. You can apply online on the Big Lots site.

2) Conn’s Home Plus

Conn’s Home Plus, as you might have gleaned from the name, sells home furniture and appliances, including electronics and computers. It is a great store for those who are looking to get new appliances for their home or furniture without having to pay the full amount upfront, especially when they can’t afford it.

Again, this program works via the buy now pay later form of payment called progressive leasing. There are also a few requirements you have to meet in order to qualify for the program. You have to be at least 18 years of age and been in employment for at least 6 months prior to the purchase of the product. You should also have a credit card or a debit card.

You should also have a checking account at a bank and at least $500 deposited into that account. The down payment for the purchase is simply the first least payment, which you will pay immediately upon purchase and once a month from there. Here is Cann`s Home Plus official website you can apply online right now.

3) Kmart

Kmart sells a variety of products, such as general home goods, electronics, food items, furniture, and apparel. It’s a great general store for those who are looking for a one-stop shop for their needs. The program does not include a credit check and is powered by WhyNotLeaseIt.

The requirements for WhyNotLeaseIt are a little unique and different from the requirements of Progressive Leasing. You will still have to be at least 18 years of age in order to qualify and earn at least $1,000 a month at your job. You will also need either a government-issued photo ID or a valid driver’s license and a Social Security Number in order to qualify. Admittedly, these requirements are a little more lenient than the requirements of Progressive Leasing.

The down payment for this program is the first lease payment, which you need to pay immediately at purchase. You will then make a payment once a month thereafter. You can apply for the lease online by filling the Sears Leaseit application.  

4) Leaseville No Credit

Before we talk about Leaseville, it is important to note that Leaseville No Credit is a company all its own and isn’t a subsidiary of Leaseville. The Leaseville store actually runs credit checks on potential customers before approving them for financing. Leaseville No Credit, on the other hand, doesn’t run any credit checks.

Leaseville No Credit sells a large variety of products, including music equipment, fitness equipment, lawn and garden equipment, furniture, appliances, electronics, and even jewelry. If you’re looking for a store where you can buy outdoor equipment without having to pay for it up front, then you will be glad to try out this catalog.

The program does not run any credit checks and is powered by Leaseville No Credit Leasing. There are a few requirements for you to qualify for the program, including having been in steady employment or at least government benefits for the past 6 months. You should have a monthly income of at least $1000.

You should also have an active checking account that has been active for at least 3 months and has had no non-sufficient fund issues or excessive overdrafts for at least the last 30 days. There should also be at least $500 in deposits and also 5 transactions at least per month. You also aren’t allowed to make payments using prepaid debit and credit cards. These requirements are a bit strict but can still be met.

The down payment is the first lease payment, which is due at purchase.

5) Overstock

This program actually doesn’t work for all states. You won’t be able to access it if you live in the following states: Wyoming, Wisconsin, Vermont, Utah, Pennsylvania, New Jersey, North Carolina, Minnesota, Kentucky, Connecticut, Arkansas, Alabama, Hawaii, and Washington.

Overstock sells general retail products, including electronics, home goods, furniture, and apparel. The program is powered by Progressive Leasing and doesn’t run a credit check. The requirements are that you’re 18 years at least, have been in steady employment for at least six months, have an active checking account, have a credit card or a debit card, earn a salary of at least $1,000 every month, and have at least $500 deposited directly into your checking account.

The down payment is $49, which has to be paid upon purchase. If you are ready to apply online here is the Overstock is ready for you.

6) Sears

Sears is a popular store that is well known for having a wide selection and great deals on its products. It sells a wide variety of products, including electronics, food items, home goods, furniture, apparel, and a lot more. The program does not check for credit and the leasing program by Sears is powered by WhyNotLeaseIt.

There are a few requirements that you have to meet in order to qualify for the program. These include that you should be at least 18 years of age and have a salary of at least $1,000 a month. You should also have either a government-issued photo ID or a driver’s license and a valid Social Security Number.

The down payment for the program is the first least payment, which you should pay immediately upon purchase of the product. You can apply online by filling out the Sears LeaseIt application. This program is a great idea because it involves few and easy requirements.

7) Zebit Market

Zebit market has a wide and varied collection of products and is a good choice for those who are looking for a store where they can easily buy gifts for their loved ones. It sells gifts, books, health and beauty products, jewelry, electronics, and home décor products. The program is powered by ZebitLine Credit and has no credit checks.

The requirements for this program are pretty lenient and you will find them very easy to meet when you’re trying to purchase a product from the service. To qualify, all you have to do is be at least 18 years of age and be one of three things: employed, on benefits, or retired. You also don’t have to make a down payment. These easy requirements make it easy for just about anyone to qualify for the program.

There following 3 buy now pay later programs to perform credit checks. However, they only perform what is termed as “soft” credit checks that won’t hurt your credit score at all. If you’re looking to improve your credit score then a soft credit check is the perfect solution. You won’t lose any of your points and you also get a new line of credit which could improve your credit score in the long run so long as you make timely payments.

8) Bluefly

Bluefly sells a variety of products, including electronics, home décor, jewelry, beauty products, and clothing, shoes and accessories for both men and women. The requirements are mainly that you should be at least 18 years of age, have a valid social security number.

The down payment depends on your credit. If you were approved with poor credit, then you will have to make a small down payment. If you have good credit then you will make the first installment 30 days from the date of purchase. The Bluefly office website will help you to apply online today. 

9) Fashion to Figure

Fashion to Figure sells plus size fashion apparel and accessories. The program is powered by Affirm. The requirements are that you’re at least 18 years of age, have a valid phone number and social security number. The down payment depends on your credit. If you have poor credit then you’ll have to make a small down payment and if you have average to good credit you’ll pay the first installment 30 days from the date of purchase.

10) FlexShopper

This store sells home and garden equipment, appliances, furniture, video game and toys, electronics, cell phones, and computers. The credit program is powered by FlexShopper Credit.

In order to qualify you should earn at least $1,000 a month as a salary and have an active checking account with a bank that’s been active for at least 3 months or 90 days. The down payment is the first payment you need to make on the date of purchase. To shop instantly, follow the FlexShopper website.

Final Thoughts

All of these are great catalogs if you’re looking for a place to get a great buy now pay later program with either no credit or at the very least only a soft credit check. Bad credit shouldn’t stop you from owning the stuff you want to own, so go out there and take the opportunity to improve your credit.

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