Best Buy Now, Pay Later Sites With No Credit Check

Andrew Reyes
A person typing on their laptop with one hand while holding a credit card in the other.

Buy-now, pay-later sites are websites where you can apply for a personal loan or other types of credit. Most people use these sites when they have to pay for something unexpected — like a new refrigerator or stove, for example.

We’ve gathered a list of the nine best buy-now, pay-later sites for bad credit. These sites are the best options for consumers with bad credit who need access to funds quickly.

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Buy Now, Pay Later Lenders With Guaranteed Approval

These are our top picks for lenders that let you buy now and pay later. is one of the quickest and best buy-now, pay-later sites for bad credit. You can receive a decision in just minutes. They also have simple application requirements for their personal loans. Upon approval, you can get your funds deposited directly to your checking account for immediate use.

  • Loan amounts: $500 to $10,000;
  • Annual percentage rate (APR): 5.99% to 35.99%;
  • Loan terms: 90 days to 72 months. has a similar approach to for their buy-now, pay-later loans for bad credit. Their simple application takes just a few minutes to complete.  You also receive your decision within a few minutes of submission. If approved, your funds are available to you as soon as the next business day.

  • Loan amounts: $500 to $10,000;
  • APR: 5.99% to 35.99%;
  • Loan terms: 90 days to 72 months.


Payoff is a good option when you need a loan from a buy-now, pay-later site. They primarily focus on paying down your credit card debt with fixed monthly payments. However, if you have unforeseen expenses that you need to pay for, this is a good option for that as well.

With the Payoff Loan, the amount you can borrow is comparatively higher than other options on this list. This option would be good for consumers who have high unexpected expenses and need assistance paying for them.

  • Loan amounts: $5,000 to $40,000;
  • APR: 5.99% to 24.99%;
  • Loan terms: Two to five years.


Prosper is a great buy-now, pay-later site for bad credit because of how many options they have. You can apply for a loan for medical bills, household expenses, large purchases, vehicle repairs, taxes, and more. Plus, their application process is quick and easy so you don’t have to spend too much time on it.

  • Loan amounts: $2,000 to $40,000;
  • APR: 7.95% to 35.99%;
  • Loan terms: Three to five years.


OppLoans’ bad credit loan is comparatively similar to a payday loan but with a much lower average annual percentage rate. Whereas an average payday loan has a 400% APR, an OppLoans personal loan for people with bad credit has an APR range from 59% to 160%.

This is a good option for people with bad credit who have an emergency expense they need to buy. You can borrow as little as $500 for a variety of expenses.

  • Loan amounts:  $500 to $4,000;
  • APR: 59% to 160%;
  • Loan terms: Up to two years.

OneMain Financial

OneMain Financial has a reputation for its customer service and ease of communication. Their buy-now, pay-later loans have clear terms, fixed rates, and no fees for early repayment.

OneMain Financial looks at more than just your credit score when deciding on your loan. This is what makes them one of the best buy-now, pay-later sites for bad credit; they look at multiple points of your current financial situation to best help you.

  • Loan amounts: $1,500 to $20,000;
  • Annual Percentage Rate (APR): 18.00% to 35.99%;
  • Loan terms: 24 to 60 months


Avant is another buy-now, pay-later site with great customer service and responsiveness. If you apply — or get approved — for a loan through Avant you can expect quick and easy service. And if you have any questions along the way, they have a full staff of real people ready to take your call.

  • Loan amounts: $2,000 to $35,000;
  • APR: 9.95% to 35.99%;
  • Loan terms: Two to five years.


Upstart offers a variety of buy-now, pay-later loans for people with bad credit. These loans can be used for a variety of purposes, from home improvement to debt consolidation.

Upstart is a great option for people with a low credit score who need to take a loan out. This lender is another option that looks at a whole host of data points rather than just your credit score.

You can check your rate in just a matter of minutes without affecting your credit score. And upon approval, your funds are deposited the next business day.

  • Loan amounts: $1,000 to $50,000;
  • APR: 7.86% to 35.99%;
  • Loan terms: Three to five years.

PersonalLoans.Com is free to use and there is no obligation if you check your rate and don’t want to apply. You can get fast decisions and fast funding through, which makes it a great option for people with bad credit who need a buy now, pay later loan

  • Loan amounts: $500 to $35,000;
  • APR: 5.99% to 35.99%;
  • Loan terms: 90 days to 72 months.

What Are Buy Now, Pay Later Sites for Bad Credit?

A buy-now, pay-later site for bad credit is a website where you can apply for a loan even if your credit isn’t ideal. If you have a poor or fair credit score and are unable to obtain a loan through more traditional methods, a buy-now, pay-later site may be a good option for you.

Typically these loans are used for emergency expenses, large purchases, debt consolidation, or other similar purposes.

How Do I Get a Buy Now Pay Later Loan for Bad Credit?

Five basic steps can guide you through how to get a buy-now, pay-later loan for bad credit:

  1. Determine which buy-now, pay-later site you want to work with.
  2. If they have an option to check your rate before applying, do that first.
  3. Submit your application for the buy-now-pay-later loan.
  4. If you are approved, you can either accept or deny the terms of your loan.
  5. If you accept the terms, your funds will be sent to you according to your lender.

There is no guarantee for approval, but if you have bad credit the chances of getting approved on a buy-now-pay-later site are higher than if you apply for a traditional loan.

While these providers do offer loans to people with bad credit, it’s important to understand that you would have more opportunities if you were to improve your credit score.

How to Find the Best Buy Now, Pay Later Provider

To find the top buy-now, pay-later lender, do your research! All the buy-now-pay-later sites are slightly different from each other. Check around to see which provider can offer you the best option for your situation.

The best buy-now-pay-later site for those who have bad credit should:

  • Be responsive and easy to communicate with.
  • Have options that fit your individual needs.
  • Be transparent with its fees and costs.

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