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. Fingerhut

• What does Fingerhut sell? Fingerhut has multiple departments, and sells everything from furniture to jewelry, often brand-name.
• Catalog: Yes. Fingerhut will send you a free printed catalog (one every two months) if you fill out this form.
• Physical location: No, but you can pay your bills at a physical location if you’d like.
• Required credit score/credit check: The company does run a credit check, but doesn’t state what your score needs to be for you to be approved. However, you can find out quickly by applying here.
• Annual Percentage Rate (APR) for late payments: 25.15%
• Read about Fingerhut’s buy now, pay later store policy here.
• Start shopping here.

2. Flexshopper

• What does Flexshopper sell? Flexshopper has multiple departments, and sells everything from furniture to jewelry, often brand-name.
• Catalog: No.
• Physical location: No.
• Required credit score/credit check: The company accepts people/accounts with poor credit scores, but do not always approve those with poor credit scores. Chances are, you’ll qualify, but find out if you qualify here.
• Annual Percentage Rate (APR) for late payments: Unspecified.
• Read about Flexshopper’s buy now, pay later store policy here.
• Start shopping here.

3. Gettington

• What does Gettington sell? Gettington has multiple departments, and sells everything from furniture to jewelry, often brand-name.
• Catalog: No, but you can sign up for their email list for special events and deals (very bottom of the page on the right).
• Physical location: No, but you can pay your bills at a physical location if you’d like.
• Required credit score/credit check: The company does run a credit check, but doesn’t state what your score needs to be for you to be approved. Find out if you qualify here.
• Annual Percentage Rate (APR) for late payments: 25.15%
• Read about Gettington’s buy now, pay later store policy here.
• Start shopping here.

4. Ginny’s

• What does Ginny’s sell? Ginny’s has multiple departments, and sells everything from furniture to jewelry, often brand-name.
• Catalog: Yes. Ginny’s will send you a free printed catalog if you fill out this form. You can also view its online catalog here.
• Physical location: No.
• Required credit score/credit check: The company does run a credit check, but doesn’t state what your score needs to be for you to be approved. However, you can find out within 24 hours by applying on the site during checkout.
• Annual Percentage Rate (APR) for late payments: 5.75%-23.99%
• Read about Ginny’s buy now, pay later store policy here.
• Start shopping here.

5. HSN (Home Shopping Network)

• What does HSN sell? HSN has multiple departments, and sells everything from furniture to jewelry, often brand-name.
• Catalog: No, but you can sign up for relevant emails here.
• Physical location: Not nationwide, but HSN has a couple of outlet stores in different areas of Florida.
• Required credit score/credit check: The company does run a credit check, but doesn’t state what your score needs to be for you to be approved. They do say, however, that the better your credit score is, the lower your possible late fees will be. You can find out by creating an account here.
• Annual Percentage Rate (APR) for late payments: 13.49%-27.24%.
• Read about HSN’s buy now, pay later store policy here.
• Start shopping here.

6. Montgomery Ward

• What does Montgomery Ward sell? Montgomery Ward has multiple departments, and sells everything from furniture to jewelry, often brand-name.
• Catalog: Yes. Montgomery Ward will send you a free 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 does run a credit check, but doesn’t state what your score needs to be for you to be approved. However, you can find out within 24 hours by applying on the site during checkout.
• Annual Percentage Rate (APR) for late payments: 5.75%-23.99%
• Read about Montgomery Ward’s buy now, pay later store policy here.
• Start shopping here.

7. 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. Stoneberry

• What does Stoneberry sell? Stoneberry has multiple departments, and sells everything from furniture to jewelry, often brand-name.
• Catalog: Yes. Stoneberry will send you a free printed catalog if you fill out this form. You can also find its online catalog here.
• Physical location: No.
• Required credit score/credit check: Stoneberry will run a credit check, but doesn’t specify the score you’ll need to qualify. Find out how to apply here.
• Annual Percentage Rate (APR) for late payments: 12%-23.99%, with an additional late fee of $15.00 or less.
• Read about Stoneberry’s buy now, pay later store policy here.
• Start shopping here.

Buy 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. Emporium

• What does Emporium sell? Emporium has multiple departments, and sells everything from furniture to jewelry, focusing on luxury or brand-name items.
• Catalog: No.
• Physical location: No.
• Required credit score/credit check: The company does run a credit check, but the program is set up “for those with new or less than perfect credit.” You can find out if you qualify instantly here (“Apply Now” in the top right”).  
• Annual Percentage Rate (APR) for late payments: No direct percentage for interest you’ll have to pay, but instead, if you don’t make the payments within the 6/9/12 month period, you’ll pay “50% of the difference between the Total of Payments in your lease agreement and the sum of all lease payments you have made (not including any taxes or fees).” So, basically, you’ll pay an additional half of whatever you haven’t paid back. Make sense?
• Read about Emporium’s buy now, pay later store policy here.
• Start shopping here.

Buy 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 Door

• What does Country Door sell? Country Door specializes in selling home decor for comfortable, expressive living. It has multiple departments, but focuses on home decor, furniture, and seasonal accents.
• Catalog: Yes. Country Door will send you a free printed catalog if you fill out this form. You can also find its online catalog here.
• Physical location: No, but you can pay your bills at a physical location if you’d like.
• Required credit score/credit check: The company requires you to use its personal store credit card to utilize the “buy now, pay later” option.Country Door 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 Country Door’s buy now, pay later store policy here.
• Start shopping here.

A 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!