15 Best Buy Now Pay Later Catalogs For People With Bad Credit Sites

We all like, (or would like), to have the best things in life. It is good to be able to keep up with the latest trends when updated models are released or new gadgets are launched. To do that many people now prefer to make their purchases online. Before you do, browse through our buy now pay later catalogs for people with bad credit first.

Online seems to have overtaken the more traditional approach to shopping over the past few years. Being able to do your shopping from the comfort of your own home is certainly very convenient. Plus, it saves you time, money, and hassle. What’s more, prices tend to be more competitive online, with plenty of discounts and other deals designed to attract customers. Generally, online stores offer the best prices for those purchasing an item in full and not in installments or on credit.

But, if money is tight and you are living on a budget what can you do? Seeing this as an opportunity, several online stores now offer to buy now pay later plans. Of course, as with any credit arrangement, there are checks and if you have good credit it is no issue.

Problems can arise though if you do not have the cash to buy something outright, you have a bad credit score, or worse still no credit rating at all. Well, buy now pay later is still an option if you know where to look. Many sites now offer catalogs specifically for people with bad credit and sometimes no credit check at all. It is super convenient if you are short of money right now, but still want to have the best things in life!

Buy Now Pay Later catalogs for people with bad credit

Many websites and catalogs (both physical and online) offer buy now pay later plans, even for people with bad credit. These plans include store credit, installment plans, rent-to-own, and lease-to-own-programs. Buy now pay later catalogs are offered by many retailers for items such as fashion, technology, home appliances, and more. Unlike no credit check catalogs, your credit score must be at a sufficient level to be able to buy from a bad credit catalog.

Buy now pay later bad credit catalogs allow you to purchase goods on credit. And you will be able to spread the cost of your purchases over time rather than all at once. Generally, the credit period ranges from 6 to 12 months, depending on the stores. However, some stores do offer weekly or monthly payment options.

Buy Now Pay Later catalogs for people with bad credit

If you choose to make purchases from a buy now pay later bad credit catalog there are a few things you need to be mindful of like the interest rates charged and fees and penalties for late payment. On the other hand, it is a great opportunity to build your credit score, particularly if you make a point of always making your payments on time or not missing a payment. There are also some benefits attached to such programs like fast approval, the best deals, spot promotions, and more.

The benefits and the disadvantages of bad credit catalogs

There are several factors you need to consider when deciding on buy now pay later catalogs in general, let alone those for people with bad credit. Shopping with one of these stores gives you some benefits, but it can also come with some drawbacks.

A good customer is a smart customer who is willing to do some research before making a decision. This “research” can be anything from asking neighbors and fellow users, to browsing online for options and reviews. It may take longer than you expected, and you may not exactly find your exact answer. But we guarantee, you will at least end up with more information after your research than before.

So, without further ado, let’s take a look at some of the plusses and minuses of bad credit catalogs below.

The benefits of bad credit catalogs

Let’s start with the benefits of using bad credit catalogs. As you can tell, there are plenty of them, which are proven by the never-ending increasing demand. We have collected some of the most common benefits below:

  • There are a wide range of products on offer
  • It is very convenient, your order is delivered directly to your door
  • Some online catalogs offer a zero-interest plan and free late payment fees and down payment
  • They enable customers with bad credit to acquire and rebuild their credit rating
  • Easy and instant approval, allowing you to purchase almost straight away
  • These catalogs offer flexible payments options, from weekly, biweekly, to monthly
  • Typically, these catalogs offer relatively long repayment periods
  • They give you the chance to buy goods you would never otherwise be able to afford

The disadvantages of bad credit catalogs

  • Higher interest rates
  • Some of the bad credit catalogs apply penalties and excessive fees on the account
  • Limited types of products and promotions
  • Lower limits and a limited spending
  • Restrictions on interest-free

15 Best Buy Now Pay Later Bad Credit Catalogs Sites

For those looking for online catalogs for Buy Now Pay Later bad credit, we have compiled a list of 15 sites. Each of them offers to buy now pay later with a bad credit score, as well as for those with good credit. Before you plan on shopping for a wide range of goods, have a look at our list below. Some of them are among the 5 Best Buy Now Pay Later Sites in 2021!

1. Zebit

Zebit is one of the best online buy now pay later catalogs for people with bad credit. It has a varied variety of good quality products, including books, jewelry, home décor items, gifts, and health and beauty products. It is perfect if you are looking to buy several things from one store.

They have a program powered by ZebitLine Credit, which no require credit checks. To qualify for the program, you have to be at least 18 years of age and be either employed, on benefits, or retired. Zebit may need to verify your income and identity.

The process is convenient, and you will get easy and fast approval. They offer free interest rates and late fees. Plus, you will not necessarily need to make a down payment for larger items. If you are qualified, you will get up to 2,500 USD credit. Autopay can be arranged and If it is looking likely that you might miss a payment, you can just give them a call to rework your payment plan.

What’s more, you will get a new line of credit. It is a good way to improve your credit score as long as you maintain timely payments.

2. Sears

If you are at least 18 years of age and you are looking for buy now pay later catalogs, Sears might be your best option. It is a popular online store with a wide selection of products and great deals. They offer well-known brands such as Samsung, Kenmore, and Craftsman.

With its Why-Not-Lease-It program, you can get a variety of products, even if you have bad credit. Plus, they do not require any references, and there is no application fee.
However, you need to have a salary of at least 1,000 USD a month. They also require some documents. These include a valid Social Security Number and either a photo ID or a driver’s license.

Sears offers an easy application process that can be made online. If your application is approved, you can get up to 90 days credit with either a weekly, bi-weekly, or monthly repayment schedule. Please note that you will need to make a down payment on your purchases, which will be your first payment.

3. Overstock

Overstock offers a buy now pay later program for those with bad credit. It is powered by Progressive Leasing and does not run a credit check.

They require the customer to be at least 18 years of age or older. In addition, you should earn a salary of at least 1,000 USD each month, have an active checking account, and a credit or debit card. You should also have been in regular paid employment for at least six months and have at least a 1,500 USD available in your checking account.

It only takes a second to know if you are approved. Once you have made the purchase, the amount will be added to your monthly statement. And you will need to pay a 49 USD down payment.

There are several states where this program is not available, including Alabama, Wyoming, and Minnesota. For further information, simply check out the Overstock website.

4. LeaseVille

Are you holding off a purchase due to budget concerns or have you been turned down for a payment plan due to bad credit? Well, LeaseVille has the perfect solution for you. This online buy now pay later catalogs for people with bad credit who does not run a hard credit check when you apply.

They do have some strict requirements, but these can still be met. To avail of this program, your income must at least 1,000 USD and you must have been in steady employment for the past 6 months. You may also eligible if you take part in one of the government benefit programs.

They also require you to have an active checking account that has been active for at least 3 months. Plus, you should have at least 500 USD available and made at least 5 transactions during the past month. Having no excessive overdrafts and non-sufficient fund issues are also some of their requirements.

Buy Now Pay Later catalogs for people with bad credit

They sell a large variety of products, including fitness equipment, furniture, and lawn and garden equipment. You will also find jewelry and home entertainment equipment. Once you have been approved, you need to pay a down payment which is effectively the first installment of your purchase.

5. Kmart

If you are on a tight budget but need to buy now pay later furniture, appliances, or electronics, you can opt for Kmart’s buy now pay later. They have an Early Purchase Option program for those with bad credit. It allows you to lease almost anything with stress-free approval from their one-stop-shop.

The process is easy and fast. Simply go to their website, apply online, and get approved. Then bring your approval code and select your purchased items at your local Kmart store. You will have the opportunity to get low payments and flexible payment terms within 30, 60, or 90 days.

You are required to pay a down payment as your first lease payment at the time of purchase. Make a payment once a month deducted from your bank account, debit card, or credit card.

To be eligible, you must be at least 18 of age. Plus with a regular monthly income and provide a valid Social Security or Individual Taxpayer ID Number.

6. Stoneberry

Stoneberry is one of the best buy now pay later catalogs that offer quality products for a comfortable lifestyle that comes from equipping your home with convenient kitchen appliances and the latest electronics. Or by building a stylish wardrobe with brand name apparel and footwear.

Stoneberry operates entirely online, you can access their buy now pay later option from their catalogs and apply online for instant credit. Get product categories, such as dinnerware, bedding, lighting, and more.

To qualify, Stoneberry will check your credit, but you do not need to have very good credit. They apply varied interest rates, but only to a maximum of 23.99%. If you are eligible, you will get really great stuff at a discount with low monthly payments. However, if you run late on your installments, you will be charged penalty fees.

7. Shop2day

Shop2day is an online buy now pay later website featuring some of the UK’s most popular online stores and catalogs. They offer finance options to their customers. The online store has a huge range of products, including furniture, electrical goods, clothing, and home appliances.

If you are looking for buy now pay later catalogs and you have bad credit or no credit history, check the Shop2day website. Products from different brands are available from Shop2day. Ambrose Wilson, PerfectHome, Julipa, are among the brands featured.

To be eligible, you must be a UK resident aged 18 or older. You should be able to meet income qualifications and have a credit check before approval. For the online application, go to their website, and fill in the application page with your details (age, address, income, etc).

If accepted for credit, you will have payment options, from weekly to monthly up to 12 months. Credit requirements, terms, and conditions apply.

8. Fashion to Figure

Fashion to Figure is specialized in plus size fashion apparel and accessories. There is a variety of products, including jeans, dresses, tops, pants, and more. Plus, they offer a buy now pay later catalogs for people with bad credit called Afterpay. Like any other buy now pay later catalogs, you must be 18 years of age or older. You will also need to provide a valid phone and social security number.

If you meet those requirements, go directly to their website. Pick what you are looking for and choose Afterpay at check out. Continue the process by signing up with either your credit card or debit card, then apply for the program.

Depending on your credit, Fashion to Figure offers zero interest and fees. If you have average to good credit, you will pay the first installment 30 days from purchase. Meanwhile, you need to pay the rest every two weeks. For those with poor credit, you will have to pay a small down payment.

9. FlexShopper

FlexShopper is the largest online marketplace with a wide range of products. From appliances, video games, and toys, home and garden equipment, to electronics. You can select the best quality and brands with over 85,000 branded products available. The lease to own program is powered by FlexShopper Credit.

If you are looking for a product, simply go to their online store and fill out the online application form. The process is quick and easy and you may qualify for up to 2,500 USD in credit. Once you are approved, sign the lease agreement with just one click, and they will ship your purchases.

There is an affordable payment plan that will be deducted from your bank account every Friday. You may also be able to switch to bi-weekly or monthly payments. You will need to provide a pay stub showing your bi-weekly or monthly income or a debit or credit card.

To qualify for FlexShopper Credit, you should have a checking account that’s been active for at least 90 days. Plus, you should earn at least 1,000 USD a month. Note that some customers/approved applicants are required to pay an initial deposit/down payment.

10. Bluefly

If you are looking for luxury brands at a discounted price check out, Bluefly. It is one of the best online stores for the fashion conscious. Shop from thousands of designers and luxury brands.

You will find Gucci, Dior, Prada, and more discounted by up to 70% with buy now pay later with bad credit. There are a variety of men and women products, including clothes, shoes, bags, and accessories.

Like many other buy not pay later catalogs, you should be 18 years of age or older and have a valid social security number. You will be charged a down payment, which depends on your credit and your purchase can be split into multiple payments.

11. Monroe and Main

With its tagline, ‘Wear Now, Pay Later’, Monroe and Main are known for their clothing business. They offer all types of clothing for men and women, both for regular and plus size. Their buy now pay later catalogs to offer a wide range of products, including jewelry, handbags, accessories, and shoes.

Unlike other buy now pay later online stores, Monroe and Main also have a physical store. To buy their products, you can browse through their websites or in their store in Monroe, WI. If you want a hardcopy catalog, it is available for free.

To use the program, you will have to first get the Monroe and Main credit card. A credit check is needed to get this credit card. However, once you have it, you can use to buy things with no down payment. They offer fast approval, even to those with bad credit.

Simply choose the items, add them to your bag, and then continue the process. You will need to fill in some information such as your identity, delivery address, and so on. Once approved, you will get low payments starting at just 20 USD a month. If you make timely payments, you also have the chance to build your credit.

12. Seventh Avenue

Shop online and discover unique choices of apparel, home décor, furniture and bedding, and so much more that can only be found on Seventh Avenue. It offers all the convenience of buy now pay later catalogs for people with bad credit supported by Seventh Avenue Credit.

Including budget-friendly prices, low monthly payments (as low as 20 USD a month), and a quick approval process. Even better, you will be able to build your credit score if you make timely payments. In case you run late on your installment, there is a late payment fee you will need to pay.

To qualify, they will run a credit check. But, your score does not have to be excellent or even good. However, you will be charged interest based on a variable APR. Within 24 hours, you will get a notification for your application.

Seventh Avenue does not have physical stores, but you can get physical catalogs seasonally as long as you fill out their form.

13. LutherSales

LutherSales has been providing quality brand products since 1967. You will find all the top brands and a large selection of products: cell phones, outdoor living, computers, jewelry, and much, much, more.

They offer affordable and convenient buy now pay later options. There is an automatic payment plan, no matter what your credit rating is. But, you may need to make a down payment if you have bad credit.

To get for Luther Sales online financing, they prioritize employment history over credit history. If you have bad credit, you can still apply as long as you have been in your job for at least three months. You can still qualify with a down payment if you have less than three months of employment history.

If they give you credit, you will get allotment loans with terms up to 36 months. The installment is deducted from your paycheck. APR may vary in each state, from 17% to 23%.

There is a late fee, around 20 USD, or 5% of the payment, whichever is greater. However, if you always make the payment on time, you will get a chance to rebuild and repair your credit.

14. Fascinating Diamonds

Are you are looking for diamond jewelry, but it seems hopelessly out of reach? Then, Fascinating Diamonds might have the answer with their buy now pay later catalogs for people with bad credit. Browse their catalogs to indulge yourself or your loved ones with the luxury of wearing exquisite diamond jewelry.

Offering easy financing supported by Affirm, you can purchase a piece of jewelry on loan at flexible interest rates. Plus, you will get over 12 months installments. They offer instant approval loans, which all help to make your desired expensive jewelry affordable.

For purchasing diamond jewelry without any stress, just go to the Fascinating Diamonds website. You can select a product you wish to buy, and proceed to check out. Select Affirm as payment code and continue the application process by filling up your personal details. Fill in your full name, email address, date of birth, and the last 4 digits of the social security number.

To get the Affirm account, the applicant must be 18 years of age or older. You will need to have a valid U.S identity with a home address and a valid mobile number registered in your name. Once your Affirm account is approved, you will get financing for a period of 3, 6, or 12 months depending on your preference. You will be charged a 10%-30% interest. But, there are no service charges, late fees, prepayment fees, or any other hidden fees.

15. Big Lots

Do you have bad credit? Or no credit? It does not matter when you apply with Progressive Leasing at Big Lots. There is no credit needed when you purchase certain items from their online catalogs. Select from a wide range of mattresses, sofas, personal care items, and electronics. You will also find seasonal items such as gazebos, outdoor patio furniture, and more.

To be able to make purchases, you must be at least 18 years old and have a valid Social Security Number or ITIN. And you will need to have an active checking account and either a credit card or a debit card.

They offer fast approval and no application fee or processing fee. But, you should note that not all applicants are approved. If you are approved, you have to make the down payment as your first lease payments. The payment will be withdrawn from your debit or credit card right after the lease is executed. For the rest of the payment, it will be automatically deducted from your checking account.

What You Need to Know to Shop Online Safely

We have heard plenty of scams, both from people we know and from the news. Inevitably, an online transaction is indeed prone to scams. There are of course some risks associated with online shopping, but it can be done safely.

The key is being smart and careful. But that is not all. Here are some steps you can take to protect yourself when shopping online.

  • Go with reputable and established stores or stores that have been recommended by someone trustworthy
  • Use your standard data connection. It is more secure than using public Wi-Fi.
  • Use a credit card because it has better protection. Or opt for a third party or payment gateway such as Google Wallet, PayPal, and Apple Pay.
  • Check online stores’ privacy and return policy
  • Check reviews and ratings given by other customers
  • Keep a copy of your order and any email from the store regarding the purchase, payment, and shipment of your item.
  • Check your bank statement. Does the amount you spent match with the money being transferred from your account?


Having a bad credit score can be a result of defaulting or late payments on loans you have had in the past. With a bad credit score, getting accepted for credit can be difficult, but it is certainly not impossible. Several online stores and buy now pay later providers offer buy now pay later catalogs for people with bad credit. Some of them also offer to buy now pay later no credit check.

So, if you know you have a bad credit score, you might want to consider buy now pay later bad credit catalogs to make purchases for goods. Bad credit catalogs do not only allow you to get financing, but also provide you with an alternative to shopping in-store. Besides, it gives you an opportunity to (re)build your credit. Whilst there are benefits, buy now pay later catalogs also have disadvantages such as higher rates. So, be sure to only purchase items you can afford to ultimately repay.

Before you apply for bad credit catalogs, you must do your own research. Try to find out the general requirements, limits, rates, fees, and restrictions. With all of the bad credit catalogs above, we hope it will help you to get the goods you want at a reasonable price and without too much hassle. Now, are you ready to shop and splurge?

Similar Article:

Leave a Comment