Buy now, pay later option(s): Lease-to-own program.Credit requirement: None Zebit doesn’t run a hard credit check when you sign up.Buy now, pay later option(s): ZebitLine.Most of these options are only available online, though some also have physical stores. Within each category, we order the lists starting with the best overall options. We’ve organized this list of buy now, pay later retail stores by what they sell. Variable for AcceptanceNOW about 29% for credit card None for AcceptanceNOW fair for credit card Select any store’s name to jump to that store in our list or scroll below for more details. Use the table below for a brief comparison of the sites and catalogs with buy now, pay later financing plans, including information about the financing options and terms. HSN and QVC are also worth considering for their flexible payment options (with two buy now, pay later payment methods available at each store). This buy now, pay later marketplace doesn’t charge any interest or late fees for its services. The overall best option, if it has the product(s) you’re looking for, is Zebit. Product-specific options in our list specifically cover items like clothing and pet goods, but general retailers offer you more shopping options - especially if you receive a high limit or choose to use the buy now, pay later service more than once. If looking for a general buy now, pay later option that can cover different types of purchases, choose a retailer like Fingerhut or FlexShopper that sells products in a variety of categories. It’s a good idea to have a plan in place to pay off the item so you can avoid missed payments, late fees, interest accrual, and other repayment issues.īelow, we list the buy now, pay later websites and catalogs in several categories, including information about their fees and terms. To avoid overpaying on your purchase, be sure to only buy items you can afford to pay off. When applying for buy now, pay later programs, you should be aware of things like late fees and interest rates to be sure that you can afford to pay off the total purchase. Many buy now, pay later payment plans accept customers with less-than-perfect credit, and some even require no credit check. These options include store credit cards, rent-to-own and lease-to-own programs, and installment plans - either in-house or through a third-party financing company. Many websites and catalogs (both online and physical) offer buy now, pay later payment options which allow you to pay for purchases over time rather than all at once.