20 Best Buy Now Pay Later Websites & Exactly Why Each Rocks

Do you want to get items but don’t want to pay for them right away?

Well, you’re in luck because now it’s easier than ever to “buy now, pay later.”

Here, you’ll find out the 20 best “buy now, pay later” websites to choose from and why each of them rocks!

 

Why “Buy Now Pay Later” Websites?

It’s simple.

It can be good to boost your credit, and it’s good to make larger purchases, especially if you can’t pay for it immediately.

But also:

• It can boost your credit score
• It can help you afford items
• Most don’t charge interest

It is a good way to buy bigger ticket items without needing to shell out five grand or something all at once.

 

20 Best Buy Now Pay Later Sites, and Why Each Rocks

Here are the 20 best buy now pay later sites, a little about them, and why each of them rocks.

1. Affirm

Affirm is a buy now pay later site with no fees, but sometimes it’s just got an interest.

You can make purchases of up to 17,500 dollars for this and even flexible payment plans.

While it doesn’t have a credit card, it’s still a good buy now pay later option.

Why it rocks

There are no late fees, and you can use the app in stores or online.

They also have the best flexible payment options for most people.

Click here to check out Affirm

 

2. Sezzle

Sizzle is another flexible payment plan, and you can also get an extra two weeks of time to pay for items.

Why this rocks

You can reschedule payments, with the first one being free.

It doesn’t have an interest either on these purchases either.

However, it does have a bit of a down payment amount and a small fee for other reschedules, but if you know that, you should be fine.

Click here to check out Sezzle

 

3. Afterpay

This is another service that’s easy to use and is pretty easy to work with, and you can split up the installments too.

Why This rocks

It offers a stress-free way to set up split payments.

There aren’t any interest rates, too, so you just have to pay back what you purchase.

The instructions to register are also very easy too, and it’s good for students with little to no credit.

Click here to check out Afterpay

 

4. ZipPay

this is another reasonable service too, where it divides the payments into streams, making it a very convenient means to pay for stuff.

They have different payment plans too, and you can even add this to google or apple pay too, and you can pay off various bills with this.

Why this Rocks

This is another good service since you can have it set up for automated payments.

They also have different payment plans too if you’re someone who spends more or less than $1000, so it handles different payments, regardless of what it may be.

Click here to check out ZipPay

 

5. Quad pay

This is actually owned by Zip Pay, and it’s a great service that’s available as both an app and as a desktop service, and it’s pretty simple to begin.

Why this Rocks

It is simple to use, you just put down 25% of the item’s ticket, and then every fortnight, you get charged.

It also offers a lot of payment options too, so it’s really simple to work with as well.

 

6. Klarna

Klarna is great because it offers different payment plans, with a 25% down payment, and they offer different repayment plans where you don’t have to pay for 30 days.

Why this rocks

You can do all of this with Klarna totally free.

They do offer to finance, but it is similar to credit cards, and they don’t report this to credit bureaus.

It’s important to make sure that you pay this timely, though.

Click here to check out Klarna

 

7. SplitIt

Another easy way to split up your payments, SplitIt, is like other apps, but it’s a bit different.

Why this rocks

It’s different because you don’t have to worry about late fees or a credit check.

You can also split this up to 24 payments!

Of course, some retailers do limit this, but it’s a good way to split up some seriously huge high-ticket items.

Click here to check out SplitIt

 

 

8. Billease

Based in the Philippines, this is a great buy now, pay later option.

It works like Klarna and Affirm, which is why a lot of people like it.

Why this Rocks

You don’t need to pay interest in most cases, and it actually has installment plans that you can choose, up to 6-12 months in a lot of cases.

You even get a nice little credit limit if that’s what you want from this, and it does break it down quite readily too.

Click here to check out Billease

 

9. Venue

This is another great little marketplace that offers buy now, pay later, and even cashback.

Why this rocks

You can buy a lot of expensive items and finance them with a buy now pay later format.

It does work with all credit levels and is friendly to those who have almost no credit too, so it’s great for all kinds of people.

Click here to check out Venue

 

10. Stoneberry

This is another great way to get different credit for purchases.

You can repay for stuff at a low price, and you don’t have to worry about fees and bills.

Why this rocks

There isn’t a membership with this, payments get as low as under $6 a month, and this has a ton of great items, including outdoor furniture to check out!

Click here to check out Stoneberry

 

11. Flexshopper

This is another buy now pay later site, and it offers you a great spending limit that you can work with.

This place has a bunch of different products that you can pay off in different installments.

Why this rocks

This is similar to FlexShopper, and many of the products here are appliances, and you can even get tires and mattresses too.

They also offer weekly payments, and also monthly payments too, depending on your needs.

If you pay it off within the year, you own it!

Click here to check out Flexshopper

 

12. Overstock

If you’re not familiar with overstock, it’s got a lot of furniture, decor, and other electronics.

They do offer the “bill me later function.

Why this Rocks

You’re not only getting huge discounts on items, but you’re also going to be able to get the “buy now pay later” function as well.

It is great because if you have decent credit, even if it’s not good, there are some great ways to use this to your advantage on that site.

Click here to check out Overstock

 

13. Abt

Usually, they offer “buy now pay later” functions for their items during the holidays, but this is a great site that offers different types of options too.

They even have an ABT card that you can use too!

Why this rocks

They offer 12-month financing on electronics along with appliances.

Not just that, though, you’re getting free shipping on a bunch of different items.

So, it isn’t just buy now, pay later, it’s actually the option to get some great items for the home right away!

Click here to check out Abt

 

14. Conns Home Plus

Conn’s home plus is an electronics and furniture store that has a buy now pay later option and an also what they call progressive leasing.

Why this rocks

If you use this, you can actually finance something for about six months.

The requirements are also pretty simple for this one, you just need a checking account and at least a $500 deposit on the item, along with a debit or a credit card.

Click here to check out Conns

 

15. Biglots

Who doesn’t love big lots? It’s a store with electronics, clothing, home goods, even furniture.

They also offer leasing and financing options too as a buy now pay later sort of means, so that’s why lots of people love to use this one.

Why this rocks

They offer progressive leasing too, and it’s pretty easy to get it.

You need a job minimally, a checking account that is active, along with a debit or credit card, with the approval pending then, and it also won’t affect your credit too!

Click here to check out Biglots

 

16. Per Pay

Does your credit stink?

Well, that doesn’t mean you can’t get buy now pay later.

They also will offer you spending limits up to $2500, and they also will ask for equal payments within the paycheck.

Why this rocks

They don’t check your credit history.

Instead, they use your income to figure out the spending limits to this.

They spread the payments over a period of six months, and the spending limit is based on the income you have currently, so it can definitely help.

They also make direct deposits for this one.

Click here to check out Per Pay

 

17. PayPal Credit

PayPal also has a buy now pay later service, and this is called bill me later.

It’s reliable, and it can be pretty cool to pay off for smaller items.

Why this rocks

It does have a limit of $98.99 for the bill me later option.

They also have a bigger option where you can get a higher spending limit, and then with PayPal credit, you can put items on and then leave it for later.

Click here to check out Paypal Credit

 

18. Slice

Want to slice up those payments? Well, now you can, with a slice card.

This is actually for Indian citizens only, but it’s another buy now pay later service that splits up items into various four equal payments.

There aren’t any fees for using this.

Why this Rocks

They even offer you a credit line and a virtual credit card, which is a bit different than the others that are on the list.

Click here to check out Slice

 

19. Four

This is a newer service, but it’s one of the best ways to pay for items if you have a card or google pay.

Per the name, they split up all payments into four equal ones, and usually, it’s split up over the next six weeks.

Why this rocks

There is no interest or hidde3n fees that are charged with this, and the purchases get approved right away without the need for a credit score, offering more freedom for payment.

Click here to check out Four

 

20. Amazon

Finally, there is Amazon, which offers monthly payment options, where you need to pay an upfront payment, and then weekly payments or monthly payments, depending on the item.

Why it rocks

They offer a pretty small upfront payment but let you buy some of the higher ticket items.

They split the payments for you, and it’s automatic payments, so easy.

It still gets shipped right away, even with the two-day service, but once it’s there, you just have to pay it off, and then it’s all yours!

Click here to check out Amazon

 

Best Buy Now Pay Later Sites FAQs

 

What Stores Can I Use Buy Now Pay Later With?

Not all of them, but more and more stores are offering this.

Some may offer it with a credit card or sign up for the program.

Many of the apps and websites mentioned in this article are basically your middleman between the two.

 

Is It Good to Use Buy Now Pay Later?

It can be a wonderful item if you’re looking to buy higher-priced items.

As long as you’re reasonable with paying for items, it’s a great way to afford some of the more expensive items.

Of course, not every site or app will work for you, but there are some good ones.

 

Can I Use Buy Now Pay Later Websites With No Credit Check or Bad Credit?

You sure can! If you have bad credit, though, not every site will take you.

In most cases, using Sezzle, Klarna, Quadpay, or Splitit are your best choices since they don’t normally do a credit check.

In most cases, if they don’t’ do a credit check, they will look at your employment, so make sure you do keep that in mind before you agree to use a buy now pay later service.

Other Interesting and Related Articles To Consider:

• Buy Now Pay Later Clothes No Credit Check or Bad Credit
• Buy Now Pay Later Furniture No Credit Check or Bad Credit
• Buy Now Pay Later Laptops No Credit Check or Bad Credit
• Buy Now Pay Later Phones No Credit Check or Bad Credit
• Buy Now Pay Later Toys No Credit Check or Bad Credit
• Buy Now Pay Later Gift Cards No Credit Check or Bad Credit

 

Conclusion

Buy now pay later is a great way to afford some of the more expensive items out there.

It’s a blessing for many people who want to buy pricier items but don’t have the credit or have the upfront payment, so check these out if you want to try to use them!