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9 ‘Buy Now, Pay Later’ Options (Some Have No Credit Check)

Some purchases can be avoided and put off until more money is available; others need to happen right away. For those purchases, you will need to make immediately, having a buy now, pay later with no credit check option can be a great thing.

We have put together nine possibilities that allow you to get your products or services today and pay for them at another time. Some of these options have no credit check and very low or no interest rates if paid before a specific date. 

couple that will buy now pay later no credit check

Is It Possible To Buy Now And Pay Later With No Credit Check?

It is absolutely possible to purchase your item now and pay later without going through a credit check. With certain companies, you will be able to purchase your item, have it shipped to you and even use it for weeks before having to make your first payment.

With all of the buy now pay later services on the market, it pays to know which ones are the best and which have those hidden fees that you should keep an eye out for. 

1. Affirm

Affirm is one of the most well-known buy now pay later options. This service is nothing that you will need to sign up for, instead choose the Affirm link when you checkout at a variety of retailers. If you see the Affrim name as a payment plan, you can apply to use it. 

The great thing about Affirm is that you will have a wide range of payback options. You can choose to pay in 3 months or as long as 24 months. The primary issue with Affirm is that they will run a credit check when you apply to use their service. Affirm has a good relationship with Walmart and offers Walmart shoppers some good financing deals on larger purchases. If you spend time in the Walmart stores, this is a good option. 

2. SplitIt

Splitit is a very easy to work with service that will let you split your payment for as long as 24 months. As you will notice, most of these buy now pay later companies to give you four payments divided over about 120 days. 

When you look at the cost of a product spread out over 24 months as opposed to two or four months, certainly, the monthly payments are going to be much easier to afford. 

3. Four

If you don’t mind shopping in an app, the Four app can be a great way to learn where you can buy now and pay later. The app shows all of the stores that currently have relationships with the company and how you can structure purchases from their store. 

When you sign up for Four, you will get an instant decision as to whether or not you qualify. Depending on the type of stores that you shop from, this can be a great payment plan choice to go with. 

4. Sezzle

Sezzle and Four are very similar and tend to work quite well with Apple Pay. You can shop through the Sezzle app, or you can shop online at their partner websites. When you want to purchase with Sezzle, you will need to ensure that the website is a partner. 

When you get your approval for the Sezzle app, you will not have to go through a credit check. 

5. Klarna

Klarna is another type of ghost credit card. You can link it to your current card, and for each purchase that you would like to pay for in four equal installments, you can do so. The Klarna service is simple to use, and it will work in any store. Unlike other services, the store will not have to partner with Klarna for you to have access to their services. 

6. Afterpay

Afterpay is a great smaller company that allows you to split your purchase’s cost into four equal payments. As long as each of your payments is submitted in the proper amount of time, you won’t have to worry about any interest fees.

The only downside to Afterpay is that they only work with certain retailers. When you go to check out from an online store or shop, you can look to see if Afterpay has a relationship with the retailer. 

7. PayPal

Most people have a PayPal account for the pure convenience of sending money from one person to another. With PayPal, you can now use the service as a buy now pay later option as well. The PayPal program works by splitting your original purchase into four equal payments. 

Over the next six weeks, the payments will all be pulled from your bank account that is tied to your PayPal account. As long as you pay on time, there are no interest payments. PayPal will put a cap on the total price of the item that you can purchase. The cap is usually around $600 or so. 

8. Quadpay

You can think of Quadpay as being an extension of your credit card. Your credit card is used to purchase things on credit, but your bill for your purchase could be due just a few days after completing your purchase. 

With Quadpay, you will link your current credit card to your QuadPay account, and any purchase that you want to pay for later can be handled by QuadPay. The purchase will then be split into four equal payments, and you have no interest fees unless you forget to pay your bill on time. 

9. Amazon 

When you purchase an item from Amazon, you can check a small box that allows you to split the payment up into five equal installments. You will have to make sure that the items you are purchasing are coming from Amazon. There are many independent sellers on Amazon, and they will likely not offer the same flexibility with payments. 

Your Amazon payments will be due in total, about 120 days after your initial purchase. With more and more big-ticket items being offered on Amazon, this is a great option to consider. 

Catalogs With Buy Now Pay Later

Even with most people moving towards purchasing on the internet, there are still those that enjoy using a catalog to shop. Various catalogs use the buy now pay later option, but Sears is one of the most well known. You will likely have to apply and see what you qualify for, but with the wide range of products at Sears, you should have no problem using this service to help you save money. 


Hopefully, these nine buy now pay later options have helped you figure out some of your money management issues. The most important thing to consider when looking at these options is that the sooner you pay for the product’s total price, the less money you will spend overall. Getting squared up on your payment plan before the interest sets in is a wise financial decision. 

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