Buy Now Pay Later

Buy Now Pay Later Clothes: 11 Catalogs, Stores (Credit Check Info Listed)01/14/2017

Websites like Fingerhut: 9 Stores like Fingerhut (Easy Buy Now Pay Later)12/19/2016

18 Choose and Charge Catalogs (Also the List of Instant Credit Catalogs)12/23/2016

16 Bad Credit Computer Financing and No Credit Check Computer Stores10/27/2016

Jewelry Stores That Finance Bad Credit (Some with No Down Payment)12/21/2016

Legitimate Rent to Own Online Stores (Some with No Credit Check Required)01/30/2017

13 Buy Now Pay Later Sites and Catalogs (Some with No Credit Check)

by Clare Vaughn | Jan 8, 2017 | 8 comments

Buy now pay later sites are out there. So are buy now pay later catalogs. This article points you exactly where you need to go in order to get what you want — some are even designed for customers with less than perfect credit. No matter what your credit history is, you can likely find a buy now pay later site that’s right for you. These are buy now pay later clothing sites, buy now pay later furniture sites, buy now pay later toys, etc.

Included in This Article
  • A List of Buy Now Pay Later Sites, Catalogs: Broken down into All-Inclusive, Clothing, Luxury, Home Decor Stores and Furniture Stores
  • If the Store Is a No Credit Check Store, if Not, What the Credit Process Is Like
  • Payment Options
  • If the Store Operates Online or in a Physical Location (And Whether There Is a Catalog)
  • Store Information
  • And More…
But First… What Exactly Is Buy Now, Pay Later?

Basically, “buy now, pay later” is a long-term payment option. It allows customers to buy items that they need right away, but don’t have the money for at that moment. The store will usually allow you an interest-free period in which you can pay the total cost of the item you purchased – this period is usually six months to a year long, and consists of a set amount of monthly payments, but can vary. After the interest-free period is over, the store will usually charge you an additional monthly fee, a high interest rate, or some percentage of your purchase in addition to the total cost of the item. Needless to say, paying off the item during the interest-free payment period is the smart way to go, especially since the interest rates after the 0% APR (Annual Percentage Rate) period can be anywhere from 20-40%. That means you’ll be paying almost half of the item’s cost in addition to the total cost, just in interest.

However, don’t worry too much: most buy now pay later plans are very reasonable, and give you ample opportunity to pay the total amount. If you do well, you can even build your credit score with some stores. With that being said, onto the lists of buy now pay later stores!

Buy Now, Pay Later All-Inclusive Stores1. Fingerhut2. Flexshopper3. Gettington4. Ginny’s5. HSN (Home Shopping Network)6. Montgomery Ward7. QVC
  • What does QVC sell? QVC has multiple departments, and sells everything from furniture to jewelry, often brand-name. However, the company has a separate section for buy now, pay later options.
  • Catalog: No.
  • Physical location: No.
  • Required credit score/credit check: The company’s website states that “Easy Pay [QVC’s “buy now, pay later” option] offers are subject to approval by QVC based on a number of factors, including item type, price, and payment history.” You must also have a major credit card to participate in Easy Pay.
  • Annual Percentage Rate (APR) for late payments: Unspecified.
  • Read about their buy now, pay later store policy here.
  • Start shopping here.
8. Seventh Avenue
  • What does Seventh Avenue sell? Seventh Avenue has multiple departments, and sells everything from furniture to jewelry, often brand-name.
  • Catalog: Yes. Seventh Avenue will send you a free, seasonal printed catalog if you fill out this form. You can also find its online catalog here.
  • Physical location: No.
  • Required credit score/credit check: The company requires you to use its personal store credit card to utilize the “buy now, pay later” option. Seventh Avenue will run a credit check, but doesn’t specify the score you’ll need to qualify. You’ll find out within 24 hours when you apply at checkout.
  • Annual Percentage Rate (APR) for late payments: 5.75%-23.99%
  • Read about Seventh Avenue’s buy now, pay later store policy here.
  • Start shopping here.
9. StoneberryBuy Now, Pay Later Luxury Stores10. Bradford Exchange
  • What does Bradford Exchange sell? Bradford Exchange has multiple departments specializing in artisan and personalized works. Think jewelry, collectibles, and the like.
  • Catalog: Yes. Bradford Exchange will send you a free printed catalog when it updates its stock if you fill out this form.
  • Physical location: Largely online, but there are a few physical locations you can check out.
  • Required credit score/credit check: The company doesn’t specify, but does state that they only accept VISA, MasterCard, Discover, American Express and PayPal for payments of your online order.
  • Annual Percentage Rate (APR) for late payments: None!
  • Read about their buy now, pay later store policy here.
  • Start shopping here.
11. EmporiumBuy Now, Pay Later Clothing Sites/Catalogs12. Midnight Velvet
  • What does Midnight Velvet sell? Though Midnight Velvet sells home decor as well, the company specializes in clothes, and even has a lot of handy style guides available for customers to browse.
  • Catalog: Yes. Midnight Velvet will send you a free, clothing catalog if you fill out this form. You can also find its online catalog here.
  • Physical location: No.
  • Required credit score/credit check: The company requires you to use its personal store credit card to utilize the “buy now, pay later” option. Midnight Velvet will run a credit check, but doesn’t specify the score you’ll need to qualify. You’ll find out within 24 hours when you apply at checkout.
  • Annual Percentage Rate (APR) for late payments: 5.75%-23.99%
  • Read about Midnight Velvet’s buy now, pay later store policy here.
  • Start shopping here.
Buy Now, Pay Later Home Decor Stores13. Country DoorA Note on Rent-to-Own Furniture/Appliance Stores

Rent-to-Own/Leasing isn’t exactly the same as buy now, pay later, but it’s similar. For example, when you’re leasing furniture, or renting to buy, you’ll often end up paying a bit more than the actual selling price of the item: stores will charge you the selling price plus an additional 5% of the purchase, or something similar. Whereas with buy now, pay later options, if you’re on time with your payments you should pay exactly the same price as if you bought it right there and then. However, if you’d like to look into furniture and appliance stores that have leasing payment plans, here are your many options.

Buy Now Pay Later Stores: Conclusion

We hope that you found a buy now pay later site or catalog that suits your needs! Buy now pay later stores can be incredibly handy, especially during the holiday season, so hopefully this will take a little weight off your shoulders during that busy time. As a final note, we’d like to caution you to avoid being late with monthly payments if you do pursue any of the stores on this list. Make yourself a lot of physical reminders, because a 20% interest rate can be a hefty consequence of forgetting a payment date. Enjoy the shop now pay later experience!


Buy Now Pay Later-No Credit Check Catalogs
Just like buy now pay later car insurance, you can get regular items such as clothing, shoes, household appliances and furniture from catalogues on a buy now, pay later arrangement. These companies who are now online, are in the business of helping those who do not have credit cards, and have poor credit or no credit get goods and services on credit without using an actual credit card.
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Buy Now Pay Later Catalogs - Pay Monthly or Weekly Online
BnplCatalogs.com aims to bring it's readers an accurate guide to shopping online and on credit through US catalogs and stores. We do this by keeping up to date with the latest finance options such as buy now pay later, pay monthly and choose & charge from all of the US retailers which offer it.
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Pay Later Shopping Sites
Go shopping online now and pay later with the order now pay later later option. At Pay Later Shops you can get instant online credit at popular stores and pay months later with no interest.
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8 Great Buy Now Pay Later Catalogs | Get the Most out of Order Now Pay Later
There are tons of catalogs selling all types of products, which make it enjoyable to shop. The problem however is that not all of the catalogs offer the convenience of the buy now and pay later option.
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