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No Credit Check Shopping Sites [2024] 

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Sometimes money is tight, but you simply need to make a purchase. So, what can you do? 

Credit cards are one option, but you often need good or excellent credit to qualify. And then there’s the interest. The average credit card charges 21.59%. Yikes!

Luckily, there’s another possibility: no credit check shopping sites.

You can use buy now, pay later catalogs and services to make essential purchases and pay them back over time.

Pretty cool, right?

Below, I’ll describe some of the best buy now, pay later websites and services available today. 

No Credit Check Shopping Sites

Buy now, pay later (BNPL) is a payment model where you make purchases on credit. Learn the difference between buy now, pay later vs credit card.  

You should also check out this list of popular buy now, pay later apps.

In this article, I’m focusing on no credit check shopping sites. In theory, that means you won’t have to worry about a pesky credit check hurting your credit score.

But I want one thing to be clear: Some of these platforms do check your credit. They run what’s called a “soft” credit pull, which means your credit score won’t be affected.

Looking for other ways to borrow money? You could also try using a borrow money app.

Now, let’s check out the best sites and services for using BNPL! 

Sezzle

Best For: Flexible payments

Sezzle is a buy now, pay later app that gives you flexible payment options.

  • Sezzle allows splitting purchases into 4 installments over 6 weeks, helping build credit responsibly.
  • Enjoy flexible financing with 0% interest or monthly payment options.
  • Sign up without a hard credit check and receive approval within seconds.
  • For merchants, Sezzle drives increased sales and conversions by offering responsible payment options.

Here are the payment plans that Sezzle offers:

  • Pay in 2: You’ll pay 50% of the price at the time of purchase and 50% 2 weeks later.
  • Pay in 4: You’ll pay 25% at the time of purchase, 25% in week 2, 25% in week 4, and 25% in week 6.
  • Pay Monthly: You can stretch out your payments for 3 to 48 months. (This option requires approval from a 3rd-party lender.) 

Like those terms? Well, here’s some good news: You can use them to buy all sorts of products! The Sezzle app works with over 47,000 brands, including mega-retailers like Amazon and Target.

Start by downloading the Sezzle app, which is available for both iOS and Android. 

When you sign up, Sezzle might do a soft credit check. So why does Sezzle appear on this list of no credit check shopping sites? Because the soft credit check won’t affect your credit score. 

Learn more about Sezzle and check out these Sezzle reviews.

Shopping on the Sezzle app.
Sezzle is one of the most popular no credit check shopping sites – and for good reason!
Source: Sezzle

Klarna

Best For: Major purchases 

Klarna isn’t just one of the best buy now pay later catalogs. It’s also a great place to find incredible deals. So, if you’re about to make a major purchase, it might be worth checking Klarna out.

You can use Klarna to get discounts of up to 50% on a wide range of products, including:

  • Smartphones 
  • Shoes
  • Jewelry
  • Clothes
  • Furniture

These products come from over 20,000 partnering retailers.  

And when you check out with Klarna, you’ll have 4 payment options to choose from:

  • Pay now
  • Pay in 4 installments (every 2 weeks)
  • Pay in 30 days (with no upfront payment required)
  • Pay over time (which can take months)

If you choose the “Pay in 4” option, Klarna will run just a soft credit check – so you won’t have to worry about your credit score taking a hit. That’s why Klarna deserves its place on this list of no credit check shopping sites. 

Just keep in mind that if you choose a different payment plan (like “Pay over time”), a hard credit check might be necessary. 

Learn more about Klarna with this compilation of Klarna reviews

PayPal Pay in 4

Best For: Smaller purchases

You’ve probably heard of PayPal, but what about “PayPal Pay in 4?” It’s PayPal’s buy now, pay later tool, and it’s super convenient.

As the name suggests, PayPal Pay in 4 involves paying for purchases in 4 installments. It can be used for anything that costs $30 to $1,500.

You can also opt for the “Pay Monthly” option. It will give you even more flexibility, but it requires paying 9.99% to 35.99% in interest.

Here’s how to use PayPal Pay in 4:

  1. When checking out through an online retailer, select “PayPal” as the payment method.
  2. Select “Pay Later” and choose “Pay in 4” or “Pay Monthly.”
  3. Get approved in a matter of seconds. PayPal may run a soft credit check that won’t affect your credit score. 
  4. Make the payments through the PayPal app or website. You can set up autopay to make the process even easier.

Check out some PayPal Pay in 4 reviews to decide if the service is worth using. Lots of consumers think it is!

QVC

Best For: Anyone with poor credit

QVC is mainly a home shopping network, but it also offers a buy now, pay later service called “Easy Pay.” 

Here’s how Easy Pay from QVC works:

  1. You buy products through the QVC website.
  2. You select “Easy Pay” at checkout.
  3. The price of the product will be divided into 3 to 6 monthly payments (the number of payments depends on the item).
  4. You’ll pay the first installment when the item ships.
  5. The rest of the payments are billed automatically.

Sounds simple, right? QVC Easy Pay definitely lives up to its name!

You can use a credit card or PayPal to make purchases through QVC. And no, there are no interest payments to worry about. This service is entirely free. 

And best of all, QVC doesn’t run a credit check – not even a “soft” one! That makes it one of the most accessible no credit check shopping sites. 

So, if you want to take advantage of buy now, pay later but your credit score is a little low, QVC is a fantastic option. 

If you need help fixing your credit, check out our comparison of Credit Saint vs Lexington Law, or see if working with the best tradeline companies could be the right credit repair solution for you. 

Affirm

Best For: Avoiding fees

Affirm is a credit card alternative that lets you pay for things in installments. And since it works with massive online retailers like Amazon, Walmart, and Target, it deserves a mention among the best no credit check shopping sites.

There are two payment options with Affirm:

  • Pay in 4 (meaning you’ll pay in 4 interest-free installments, making a new payment every 2 weeks)
  • Monthly payments (which require paying interest)

Using Affirm is a simple 3-step process:

  1. Go shopping. You can select “Affirm” as a payment method at checkout or use the virtual Affirm card – which is available with the Affirm mobile app.
  2. Choose your terms. This is where you pick between “Pay in 4” and monthly payments. 
  3. Make the payments online or through the app. You can set up autopay to make this process a total breeze. And if you miss a due date, don’t worry – there are no late fees.

Affirm conducts a soft credit check when you open your account, but it won’t affect your credit score. 

*Note: Missing payments or taking out an installment loan through Affirm could affect your credit, so make sure you use the service responsibly. 

Check out these Affirm reviews to learn more about the platform. 

The Affirm app displaying avilable credit and an Affirm card.
Affirm acts as a no credit check shopping site, letting you buy products and pay for them later. 
Source: Affirm

Zip

Best For: Simplicity 

Zip is a buy now, pay later service that you can use for “nearly any purchase.” It’s super straightforward – making it a great option for anyone who wants to enjoy the perks of BNPL without having to break out a calculator!

With Zip, there’s just a single payment model: You pay in 4 equal installments over the course of 6 weeks. 

Let’s say you buy a pair of shoes for $100. You’ll pay $25 today and then make another payment of $25 every 2 weeks until you’ve paid the whole $100.

There are three ways to use Zip:

  • Shop through the app.
  • Shop in person and pay with Zip at checkout
  • Shop with online retailers and select “Zip” as your payment method (available for certain stores, including Fanatics, Mercari, and Best Buy).

When you apply for Zip, you’ll only undergo a soft credit check – so you don’t have to worry about your credit score taking a hit.

People all over the internet are raving about Zip. Want proof? Check out these Zip reviews.

Fingerhut

Best For: Building credit

Fingerhut is one of the best buy now pay later catalogs for building credit. If you want to pay for items in monthly installments and improve your credit score while you’re at it, Fingerhut is probably for you!

Here’s how Fingerhut works:

  1. You apply online and get an instant decision.
  2. You shop through the website (which gives you access to 100s of brands, including Fisher-Price and Keurug). Then, you pay for your purchases in monthly installments.
  3. Fingerhut reports your payments to the major credit bureaus, which should improve your credit score.

Now, I’ll be honest – Fingerhut technically shouldn’t be on a list of no credit check shopping sites. They never claim that they won’t check your credit, and some outlets report that they’ll even conduct a “hard pull” – which could cause your credit score to momentarily dip.

But here’s the thing: In the long run, using Fingerhut should have a positive effect on your credit score. That’s why it’s worth talking about!

Unfortunately, you can’t use Fingerhut with popular retailers like Amazon and Walmart. But you can find some pretty cool products on the site – and buying them can help you lift your credit score. 

That’s what I call a win-win.

FlexShopper

Best For: Getting a high spending limit (up to $2,500)

FlexShopper is a standout among buy now pay later catalogs. You can shop for a wide range of products on the site and then pay for them in installments.

The downside with this type of service is that you can’t shop just anywhere. You’ll have to make purchases through FlexShopper itself.

But you can probably still find some items you like! FlexShopper offers products in all sorts of categories, including:

  • Computers and tablets
  • Furniture
  • Video games
  • Cell phones
  • Appliances
  • Jewelry
  • Cameras
  • TVs
  • Sports and recreation
  • Health and fitness
  • Beauty
  • Baby and kids

You’ll also find products from popular brands like Apple, Samsung, and LG.

Interested? Here’s how to use FlexShopper:

  1. Apply online through the official FlexShopper website. You should be approved in seconds – and you’ll be given a spending limit that could be as high as $2,500. 
  2. Shop online through the FlexShopper website. There are over 100,000 products available. 
  3. Electronically sign the purchase agreement and get the product shipped to your home.
  4. Pay for the item in installments – using autopay to make the process 100% worry-free.

One downside to FlexShopper is that they do complete a credit check when you apply. So, if that’s an issue, you’re better off with one of the other no credit check shopping sites on this list.

Stoneberry

Best For: Paying over the phone or through the mail

Stoneberry is an online shopping platform that lets you pay for purchases in installments. And like other buy now pay later catalogs, it offers products in a wide range of categories.

Shopping with Stoneberry is a simple 3-step process:

  1. Get pre-qualified. Just head to the official Stoneberry website and click “Apply Now.” You’ll fill out a short form and then find out if you’re approved. And don’t worry – this won’t affect your credit score. 
  2. Shop online. You can find all sorts of products on the Stoneberry website – from laptops to power tools.
  3. Check out with Stoneberry Credit. You’ll pay for the products through monthly payments, which could be as low as $5.99. You can make the payments online, over the phone, or through the mail.

That’s right. You can send your money to Stoneberry through good old-fashioned snail mail. It’s like the 20th and 21st centuries are colliding in this single service! 

So, for anyone who wants the convenience of a modern BNPL service with the sureness of mailed-in payments (hello, Boomers!), Stoneberry could be perfect. 

Commonly Asked Questions About No Credit Check Shopping Sites

Buy Now Pay Later Catalogs Instant Approval?

With these buy now pay later catalogs, you should be approved within minutes:

  • Stoneberry
  • FlexShopper
  • Fingerhut 
  • QVC

Instant Credit Online Shopping Bad Credit?

Here are some online shopping sites and buy now, pay later (BNPL) services that sometimes accept users with bad credit:

Which Best Buy Now Pay Later Site Has No Credit Check?

QVC offers a buy now, pay later (BNPL) option called “Easy Pay” that doesn’t run a credit check. Other BNPL services, including Sezzle, Zip, and Affirm, conduct only a “soft” credit check that won’t affect your credit score.