In most cases, we find ourselves in dire need of shopping, home appliances, electronics, car spare parts and so on but don’t have money to buy them at that particular moment. Are you are in desire to do shopping but you are financially handicapped? Worry no more! This is because there are a lot of financial companies and retail stores that offer buy now pay later guaranteed approval.
What is that? Buy now pay later guaranteed approval is where you are allowed to buy an item instantly with no upfront fee and pay later in installments. It can also be in terms of a financial loan. This is where you are given a loan to buy your desired product and pay later. Most ‘buy now pay later’ programs do not conduct rigorous vetting on their borrowers. Generally, the program entails registering an account with the financier of your choice, send an application form and wait for approval instantly or few minutes later. Therefore, although bad credit might not increase your chances of getting approved for this program, it will not hinder you either.
In this page, we have done thorough research on various companies and stores with buy now pay later guaranteed approval. To find the help you need, please follow us closely!
Does Buy Now Pay Later Affect Your Credit Score
Yes and No. Remember; buy now pay later is a form of credit. You are borrowing an amount equivalent to the cost of a specific item for a given period. Therefore, the way you handle the whole process from the first day to payment can affect your credit score. For instance, if you fail to make your payments on time or don’t pay at all you risk lowered credit score. On the other hand, if you are responsible for your program, your credit score will improve.
Also, when applying for credits, mortgages and loans, your history with buy now pay later can determine your success. Of course, if you have been faithful, your chances are higher and vice versa true. Accumulating multiple ‘buy now pay later’ agreements can at times be detrimental to your credit score. In case companies carry out hard research of your credit research that will reflect on your credit report. The presence of many credit deals on your credit history is a red flag most lenders don’t ignore. Therefore, your application may end up being declined as you appear desperate.
4 Best Buy Now Pay Later Guaranteed Approval Retail Stores in 2024
With various factors pressing down on the economy, a number of people doing shopping occasionally have significantly plummeted. This mainly ensues from lack of adequate finances. However, with these cases on the rise, most retail stores have started the buy now pay later guaranteed approval option whose main goal is to help people acquire what they want. This is irrespective of whether they have the required amount or not. Additionally, some of these retailers are offering their own branded credit cards. With one of these cards, you can buy a specific product and pay for it over time. Once you’ve made your payment, they allow you to shop again on credit. So, if you are looking for such kind of retail stores, seek no more. This is because we have recommended four excellent buy now pay later retail stores available for you.
1. Fingerhut
Don’t let emergency needs worry you anymore because Fingurhut will get you sorted. These retail stores help you to buy products even if you don’t have the required funds at that time. However, to do this, you will first need to have a Fingerhut account. Another advantage of this retail store is that it reports all the payments made to consumer credit bureaus. In return, this helps to build your credit history.
Note that late fees are charged in case you delay your payments. Applying for a Fingurhut credit card is usually done online through the following process.
Application process requires the following:
- Fill out an application form and include the following personal information;
- Your names, email and phone number.
- State your annual income.
- State your social security number.
- Submit the form and wait for approval
- Once you have submitted your application, it will only take a few minutes for you to get your approval status.
When it comes to loan payment, this is usually done through monthly installments, which are automatically deducted from your account. These installments are usually calculated at the time of purchases concerning all other accumulated costs.
2. Zebit
Do you want to buy now, pay later and still incur minimum expenses on all your purchases? If so, then Zebit is definitely the answer for you. To begin with, it allows all its users to pay a zero interest rate for purchases made below $2500. This helps you to save a lot of money compared to other retailers. On top of that, it does no credit checks to approve your application. But instead, it uses your employment data to scrutinize your eligibility. On the downside, Zebit does not report their client’s payment information to credit bureaus. Therefore, even if you make all your payments on time, your credit score is not improved. The application process is usually done online and only takes a matter of minutes to complete.
Application Process requires the following:
- Fill out an application form including the following personal information;
- Your official name, email etc.
- Give your employment status as well as your income amount (employed, disabled with benefits or retired).
- Prove that you are above 18 yrs of age.
- Your social security number.
- Submit the form and wait for approval.
The approval process takes nothing more than 24 hours. Once you are approved, Zebit allows you to access your credit line immediately and shop on credit. Deduction is automatically made directly from your bank account.
3. Seventh Avenue
The above retail store is endowed with one of the best reputations, thus qualifies among the best buy now pay later guaranteed approval retail stores. The store allows cashless buyers to buy items on credit and pay monthly through installments. To access this option, you are supposed to have a Seventh Avenue personal store credit card. Once you have this card you can buy goods worth up to $ 2400 on credit with a charge as less as 90$ monthly installments. Also, Seventh Avenue charges monthly installments as low as 20$. However, this only applies if you have bought goods worth less than 200$ on credit.
Note that the company will run a credit score on your application but does not use your credit history as a basis for your approval. Therefore, even if you have a bad credit score, you can still get approved. Application is usually done online. And, once you have submitted your application, you get approved in less than 24hrs.
Application process requires the following:
- Fill in an application form and fill in Personal information like your name, email.
- Your social security number.
- Your employment status.
Submit and wait for approval. Note that it will take less than 24 hours to get your approval status.
Also, the loan repayment is automatically deducted from your account on the agreed dates. No annual fees or extra fees are charged.
4. Leaseville
If you thought it is impossible to get all your shopping done on credit, then let me introduce you to Leaseville retail store. The store allows users to enjoy a spending limit capped at four thousand dollars. At times, leaseville might check your credit worthiness from credit agencies. Albeit, it does not use your credit history or even your FISCO score to approve you. So whether you need furniture or home appliance, Leaseville has got you covered.
Furthermore, it exhibits the easiest online application process that is usually at the end of your checkout. Just fill the application and submit it to get your approval. If you are lucky enough to get approved, you will sign the eSign lease agreement.
Application process requires:
- Fill an application and you must fill in your personal details e.g. your name.
- Fill out your national security number
- Show proof that you earn at least a thousand dollars per month.
- Proof that you have no prepaid debit cards.
After the application, submit and you will get your approval status instantly. The loan repayment is deducted periodically from your payment method. This happens automatically from your checking accounts.
4 Best Buy Now Pay Later Guaranteed Approval Financial Companies
Whenever abrupt expenses need and you have no cash at hand, you might need help from financiers with buy now pay later guaranteed approval programs. Below is a list of few financiers that will finance you immediately after approval.
1. Auto Credit Express
The above financial company strictly focuses on financing people and doesn’t focus on your credit score to approve your application. So, whether you are bankrupt or have a very poor credit history, this is the place for you. However, if you have a bad credit history and you want to apply for a loan from auto credit express, you must have a monthly income of 1500$ and above.
Application process requires the following:
- Proof that you have a monthly income of 1500$.
- Your social Security number.
- Your personal details e.g. your name, date of birth, email address as well your state of locality.
- Proof that you are 18 years and above.
Note that it takes few minutes to fill out the online application and submit it. After, the lender will review and decide whether to approve or disapprove you. If approved, the loan is deposited into your account in less than 24 hours.
To make the payments, money is deducted automatically from your account.
2. MoneyMutual
Facts have it that MoneyMutual provides one of the best services when it comes to buy now pay later guaranteed approval financing. As a matter of fact, it has a 4.8-star review across the vast majority of its users. This means that it is trusted by more than 2,000,000 users. Whether you need an emergency loan or just a usual loan, the company disburses the funds into your account in less than 24 hours.
However, note that it specializes in short-term loans that do not exceed $2500 dollars. On top of that, its online application is very simple as it takes less than five minutes to apply. There are no charges during application but have interest rates and loan terms that differ across different states. On the downside, the company is not available in the state of New York.
Application process:
- Fill out an application form and include your personal information;
- Name, emails address and phone number.
- Your state of locality.
- Your social security number.
- Proof that you are 18 years of age.
- Submit the form and wait for approval
Note that your approval status is usually released within 24hrs on a normal business day. However, this disbursement might take longer during weekends and holidays. Loan repayment funds are deducted automatically from the agreed account and at the planned dates.
3. CashUSA
This is another incredible company with buy now pay later guaranteed approval financial services to USA residents. The company gives out all credit types irrespective of whether you have a bad credit score or not. Also, their loans usually range from 500$ to 10000$ with fixed loan terms which lie between 3 months to 72 months. They also charge interest rate starting from 5.99% to 35.99% with variations depending on your state of habitat. Also, no extra fees are charged to apply for their loans. It allows online application that takes less than five minutes to fill and submit. Once approved, it will take at most one business day for the funds to be deposited into your account.
Application processes:
- Fill out an application form and fill your personal information I.e your name and email address.
- State your social security number.
- Proof that you are an U.S citizen or permanent resident.
- Proof that you have a monthly income of 1000$ after taxes are deducted.
- Attach your checking account under your name.
- Attach proof that you are 18yrs and over.
- Submit the form and wait for approval.
Loan approval is instant, and funds are usually released into your checking account within 24 hours on a normal business day. During the payment, funds are automatically deducted from the same account in which the original loan was deposited.
4. BillsHappen
This is another reliable buy now pay later guaranteed approval online financing company that will give you large emergency loans whenever you find yourself in a fix. To be more precise, the later provides users with loans ranging from 500$ to 5000$. However, their interest rates and loan terms depend on your state of residence.
Application process requires the following:
- Proof that you are over 18 years of age.
- Your personal information such as your name, email address and home address.
- Your social security number for identity verification.
- A checking or banking account.
- A home or cell phone for communication.
- Valid state driver’s license.
- You employment status.
Its application process is usually so short and entails filling an application form, submitting, and waiting for approval. The loan repayment is usually deducted automatically from your account on the agreed dates or period.
4 Best Buy Now Pay Later Guaranteed Approval Personal Loans Provider
1. Flexshopper
Flexshopper has been a household name across all American states for over 50 years. It’s an online giant shop, where you can order anything online at any moment. Most importantly, you can shop and pay later no matter your credit history.
The biggest downfall of Flexshopper is that they don’t report to credit bureaus. So, no matter how faithful you are in your payments, it won’t have an impact on your credit score. If you are looking for specific items, you can benefit from Personal Shopper promotion. This allows you to get what you want at no extra cost.
Application
- Go to Flexshopper website and fill an application form
- If you meet all the requirements, you will be approved and a limit set for your account
- Your shopping cost should not exceed this limit.
Requirements
- You must be an adult.
- You should have a verifiable source of income
- Be a US resident
- You should have a checking account under your name and in good standing
The Flexshopper loan should be repaid within 12 months. This is different from some shops which allow you to make payments for years. Their program though named lease to own is a form of buy now pay later arrangement.
2. QVC
QVC is a unique online buy now pay later guaranteed approval loan provider. They award physical credit cards to customers unlike most of their competitors. Additionally, you can use this card in other select shops; physical and online that supports it.
This gives you the most desired versatility when going around shopping. You can access funding for all sorts of products- Cosmetics, electronics, shoes etc.
Application
To apply for QVC loan, follow these steps;
- You visit QVC.com and fill an application form
- Wait for some seconds to get your application results
- You can get the financing through your account or credit card
Requirements
- Social security number
- Checking/savings account under your name
- You must be 18+ years
To repay your QVC loan, you split it into 4 installments. So, the amount per installment depends on how much you borrow. They also have their card known as QCard which gives you an opportunity to get $20 loan.
3. Country Door
Country Door is a company dealing with expensive home décor materials and products. These include things like furniture, seasonal accents among others. If you need their products and you can’t pay for them at once, the company gives you an opportunity to buy and pay over time.
They also provide a credit card. Even though they conduct a credit check, they have no known credit score. However, people with fair credit score have qualified in the past. That means your credit score isn’t a major contributor.
Application
There are two ways you can get approved for Country Door credit financing. Some customers receive offers in their catalogue. Without the pre-approval, you have to apply through the procedure below;
- To apply, go to countrydoor.com
- Fill all the required information and submit
- To know the results, wait for at most 24hours. But once approved, you will access financing right away.
Requirements
- You may be required to make a down payment
- You should have a guarantor
- Be an adult
- You should have a steady source of income
To repay your Country Door credit, you split the amount into blocks that you pay every month. They also report to credit bureaus all information related to their active accounts. Therefore, the manner in which you treat your payment will affect your credit score.
4. Gettington
If you are not afraid of interest charges, Getting makes another good pick for a buy now pay later guaranteed approval site. Choosing Gettington gives you an opportunity to buy all sorts of products from electronics, garments, beauty products etc.
Even though the website charges interest, it is lower than that charged by many other providers. If you want to subscribe to buy now pay later deal, you make an application for Gettington Credit Account offered by WebBank.
Application
- Apply for the credit to WebBank through Gettington.com
- The decision whether you are successful or not takes seconds
- Proceed and place your order as you want within the credit limit
Requirements
- You must be an adult i.e.18 years and above
- You should be residing in the US
- And you should also have a checking/savings account under your name
4 Best Buy Now Pay Later Guaranteed Approval Credit Cards Loans For Bad Credit
1. Surge Mastercard
Your credit score doesn’t matter if you want to apply for Surge Mastercard buy now pay later guaranteed approval credit card. If you use it appropriately, be sure to boast your credit score because it reports to the credit bureaus.
Application procedure
- Head to Surge Mastercard website.
- Fill your details on the online platform and wait for the decision. It takes seconds to for your application to be approved or declined.
Requirements to apply
- You should have a checking account under your name
- Provide your area ZIP code
If you want to apply, there is no specific time to do so as the online portal is active 24/7. About the repayment, Surge Mastercard interest varies from 25.90% – 29.99%. So, before your application, you can confirm with customer care.
2. Indigo Platinum Mastercard Credit Card
This card is easy to apply and there are no many demands. After application, the response is almost instant. Even with less than fair credit score, you can qualify for Indigo Platinum Mastercard credit card.
Application
To apply do the following;
- Fill the application form on the indigo website
- Wait for seconds to receive the results
- If you don’t qualify for Indigo Mastercard, they can redirect you to another card.
Requirements to apply
You need the following to apply for this card;
- Social security number
- Your current email address
- Valid phone number
Besides, you don’t need to pay any deposits or offer anything as collateral. And since your history is reported to the major credit bureaus, you can be sure of better credit score.
Charging interest at 24.9%, this ranks as one of the cheapest cards you can go for. Fortunately, 8 minutes are enough to get you the card.
3. Montgomery Ward
Montgomery ward credit card is specifically for shopping at Montgomery stores. These shops are spread all across the USA. With this card, you can buy goods from these stores cheaply and spreading the payments over time. The good news here is that the credit is from the store not other lenders; you don’t expect any surprise charges.
Application
There are two ways to apply for this credit card. The first one, you apply through occasional promotions and automatic qualification. If you shop for goods within your approved credit limit, your order doesn’t need any review.
If you don’t have an offer from Ward stores or a catalog through a mail, then follow the procedure below to apply;
- Visit ward.com online shop and select the items you want.
- Click on open a new account tab as your method of payment. By so doing, you’ll have applied for a Ward credit account. Your application will undergo the normal review and get an answer within minutes.
- Before approval, you have to answer a number of questions about yourself and finances.
Requirements
- If your account has issues, you may have to pay a down payment as a show of commitment.
- Provide your account details
- You also must provide your contact information
- Your social security number
Even though it is easy to be approved for this card, the following factors can disqualify you;
- If you have an unpaid previous Montgomery Ward credit
- If you have been flagged for fraud activities in your credit history
- When the credit bureau doesn’t return any information about you
4. StoneBerry credit card
StoneBerry credit card is exclusively for use at StoneBerry stores. If you are in need of an electronic gadget, this is one of the best stores. Although, that doesn’t mean they don’t sale other items. Currently, they are selling general merchandise from footwear to household goods and toys.
With their credit card, you can pay as low as $5.99 installments. That explains how convenient and affordable this card is.
Application
- You visit StoneBerry website and fill an online form
- Once filled, click submit to confirm you need the financing
- You will get the results within minutes. You can access your pre-qualified credit limit immediately to shop for whatever you want.
Requirements
- You need a checking or savings account under your name
- Also, you need identity verification details like your SSN, driver’s license etc.
Advantages Of Buy Now Pay Later Guaranteed Approval
Over the past years, buy now pay later services have significantly grown in popularity. As mentioned above, these services are available in several financial companies. Retail stores as well as online stores. These services are popularly growing due to its multiple benefits. These are;
- Ability to bring an item home instantly: With buy now pay later (BNPL) you can buy an item and bring home instantly with no upfront fee then pay at a later date. For instance, your fridge or any other home appliance broke down and you have no money at hand to replace, the program will enable you to get another appliance and bring it home instantly then pay later.
- Has easy application and fast approval: BNPL transactions are easy as they have an easy application process that requires you to fill necessary information and submit it to your financier or seller. After application, approval is also fast and convenient. This is because your provider does not interrogate nor does credit checks on you. They just crosscheck your personal information and approve your application.
- General purchase cost is broken down: Buying a product through BNPL program is cheaper than buying in cash. This is because the payment is broken down into installments allowing you to pay a little amount every month or week. This makes it affordable to many.
- It has no interests: Buy now pay later purchases do not add any interests or have no hidden fees on top of the initial price of a product. The purpose of this program is to enable you to buy a product and pay later with no interest in case you have no cash to pay instantly. However, note that there is penalty fee incurred in case of late payment of your installments.
- Auto deduction thus saves time: With BNPL, you don’t have to waste time and line up in your bank to pay your installments. This is because, during the application, you are required to link a transaction account where your installments will be automatically deducted.
- It provides a promotional period: More often than not, BNPL programs provide a free trial promotional period over your product. This is where you are given a few months or weeks to test a product before you make your payment. This gives you flexibility over your product, money, and time.
- It improves your credit score: If you buy an item on credit and pay later, chances are, you might improve or lower your credit score. When you make your installment payments sensibly and on time, this will show possible lenders that you are a reliable and trustworthy borrower thus improving your credit score.
Disadvantages Of Buy Now Pay Later Guaranteed Approval
Although this program has a number of pros, it might not always be the best option for you. This is because it also has a number of cons that you should weigh before deciding to buy products and pay later on credit. These cons are;
- Late payment fees: As stated above, BNPL transactions incur no interest rates. However, when you fail to make your installment payments in time, you are charged delay payment fees. In return, this increases the final purchase cost of your item.
- The scheme has fixed due date: It is somehow unfortunate that most BNPL providers decide your payment due date with no room for negotiation. In general, they do not care whether you will have money or not on the provided due date. In case you exceed the provided date, you should expect a delay payment fee.
- It can affect your credit score negatively: With BNPL transactions, failure or late payment of an installment might affect your credit score negatively. Note that every missed or late payment is always recorded on your credit report which in return affects your credit score. This might hinder you from taking a loan in the future from financial institutions that conduct credit checks on their customers.
- It has a purchase limit: Although BNPL schemes allow you to buy a product for free and pay later, most providers have limits on the amount of purchases to make. That means you don’t have the liberty to buy items above your purchase limit.
- Can lead to overspending: Doing shopping is fun and more fun when doing it for free. The fact that ‘buy now pay later’ allows you to take credit for free and pay later can tempt you to impulse buying or over shop items that you can’t afford. In case you miss the payment within set date, you normally end up paying more than you had intended.
What is No-Credit-Check Financing
This is a form of financing in which the lender does not carry out a hard credit inquiry about the applicant. Instead of focusing on your credit history to determine your credit worthiness, the lender considers other factors. These include your current income, employment, your account balances etc.
The financing can be in form of personal loans, installments among others. No-Credit-Check Financing is common when someone cannot raise the required cash to buy something. Although, this doesn’t mean no credit checking financing is unregulated. You have to satisfy some basic criteria though with less stringent rules. Some of the basic requirements are;
- Some lenders will demand a credit score of not less than 620. Others do not have any set credit score.
- You must be an adult. That is, you must be 18 years old and above.
- You must have a verifiable reliable source of income.
- Depending on your lender, you should have either a checking or savings account.
