When finances are low; and your laptop gives up the ghost or you want to get that latest hot electronic gadget, shopping with “Buy Now Pay Later” can be a lifesaver.
Finding the right “buy now pay later” site or app that you can trust with your personal information or the one that will give you the most optimal financing without many approval limitations, can be a little tricky.
So, we did the legwork for you and came up with twenty of the best sites and apps that allow you to purchase electronics, computers, gadgets etc with a “pay later” scheme. Many options below have a policy of “no credit check approval” as well.
Table of Contents
- What Is the “buy Now Pay Later” Concept?
- How Does “buy Now Pay Later” Work?
- 1. Fingerhut
- 2. Stoneberry
- 3. Klarna
- 4. Wards
- 5. Affirm
- 6. Quadpay App
- 7. QVC
- 8. Splitit App
- 9. Purchasing Power
- 10. My Exchange Store
- 11. Luther Sales
- 12. IIPPY
- 13. Tech for Less
- 14. Yukeep
- 15. The Shopping Channel (TSC)
- 16. Home Shopping Network (HSN)
- 17. Leaseville
- 18. Zebit
- 19. MDG
- 20. Flexshopper
What Is the “buy Now Pay Later” Concept?
“Buy now pay later” is a way for you to purchase items that you need but can’t afford to pay for upfront. For example, when you need a new laptop but can only afford half of the cost.
The total cost is usually split in weekly or monthly payments that can have a duration of several weeks up to several months (depending on the company) until the final payoff.
How Does “buy Now Pay Later” Work?
“Buy now pay later” extends you the credit you need to make a purchase based on specific repayment terms. Depending on the website or app, this may mean:
- Automatic withdrawal of payments from your bank account on specific dates (usually in two-week increments.)
- Monthly payments similar to a credit card.
The website or app you use for “buy now pay later” usually comes with a fee for service (although few offer interest-free payments). Those sites and apps that charge fees often charge a percentage of your balance (like a credit card) until your account is paid in full.
The earlier you pay off your balance with such a purchase scheme, the less interest you pay.
Let’s now have a look at 20 of the best sites and apps which offer products in the electronic industry (such as gadgets, laptops, smartphones, computers etc) that you can buy now without paying the full price amount.
Note that the list below is in no particular order.
Fingerhut carries a complete catalog of electronics as well as home products, clothing, and more.
To “buy now pay later” with Fingerhut, you need to apply for an account (issued by WebBank, Member FDIC). Fingerhut will pull your credit report to determine your eligibility.
If you don’t qualify for a Fingerhut credit account, their system will automatically run your information to see if you qualify for an installment loan. Your payments will resemble monthly credit card or loan payments.
The good part of using Fingerhut responsibly is that it will help you to build-up and enhance your credit history by paying on-time for your purchases as they report to all three credit bureaus.
The Annual Percentage Rate (APR) for Purchases with Fingerhut is 29.99%. See more details of the cost below:
Fingerhut offers a wide range of electronics including:
|Audio devices||Cameras and camcorders||Car electronics|
|GPS and navigation||Cell phones||Computers and laptops|
|Drones||Tablets||Smart home devices|
|TV and video equipment||Home audio and theater equipment||Wearable technology|
|Office electronics||Video games|
Stoneberry carries a complete catalog of electronics, home products, jewelry, furniture, and more.
To purchase with Stoneberry, you need to apply for an account and get pre-qualified for “Stoneberry Credit” for up to $1000.
The re-payments can be as low as $5.99 per month.
Stoneberry will pull your credit report to determine your eligibility. Your payments will resemble monthly credit card payments and will also help you to increase your credit limit if you make payments on-time.
Stoneberry offers a wide range of electronics including:
|Computers and laptops||Office electronics||Tablets|
|Cell phones and accessories||Wearable tech||Smart home devices|
|Gaming gear||TV and home theater||Home audio|
|Movies and music||Cameras and camcorders||Drones|
Klarna is a payment app that you can use to make purchases with many approved stores and brands in electronics, clothes, home, beauty categories and many more.
In Electronics category you can shop from a selection of pre-approved stores like BOSE, Lenovo, SONOS, Vaio, GameStop, JBL etc.
To “buy now pay later” with Klarna, you look through their catalog of approved stores. During the checkout process, you select Klarna as your payment method and apply for Klarna credit (issued by WebBank, member FDIC.)
Klarna will pull your credit report (a soft pull) to determine your eligibility. If you get approved for credit, you can choose between no-interest payments, pay in thirty days plan, and six to thirty-six-month financing.
With the Klarna App, you can also split the cost into 4 smaller payments paid every 2 weeks with no interest, no credit impact or hidden fees.
Montgomery Ward carries a large catalog of products that includes electronics, furniture, and home products.
To buy products with Wards, you need to apply for a credit account with them called “Wards Credit”. Wards will check your credit report to determine your eligibility.
If you are declined for Wards credit, you can still qualify for the option of making a down payment. Your payments will resemble monthly credit card payments.
To apply for Wards, when you place an order for a product you can choose “Wards Credit” as a payment method. Then you will be asked a few simple questions for the company to verify if you are eligible.
Wards offer a wide range of electronics from brands like SONY, JVC, Samsung, Hoover etc.
Some products that you can buy include the following:
|Portable electronics||Audio devices||TV and video|
|Gadgets||Tablets and computers||Home office|
|Cameras and camcorders||Headphones and earbuds||Phones|
|Video gaming devices||Smartwatches and fitness trackers||Laptops|
Affirm (like Klarna) is a payment app that you can use to purchase with many approved stores and brands. Pre-approved Affirm stores include Dyson, Ring, Nixplay, Walmart, Target, Best Buy, Reverb etc.
To purchase with Affirm you can have a look at their catalog of approved stores. During the checkout process, you select Affirm as your payment method and apply for Affirm credit. Affirm uses many different lenders depending on how much you borrow.
Affirm will check your credit report (a soft pull) to determine your eligibility. If you get approved for credit, you have a selection of monthly payment options depending on how quickly you want to pay back your balance.
The APR rate can be 0% or 10-30% based on credit history etc.
Quadpay (like Klarna and Affirm) is a payment app that you can use to “buy now pay later” with different approved stores and brands. Pre-approved Quadpay stores include Bestbuy, GameStop, Target, Apple, Sonos, Dell, Amazon, Microsoft etc.
To use Quadpay, you can look through their catalog of approved stores. Use the Quadpay app to pay for your purchase once you have selected what you are shopping for.
Quadpay will pull your credit report (a soft pull) to determine your eligibility. If you get approved for credit, your purchase amount gets split into four payments over six weeks.
QVC has a big catalog of products that include electronics, home goods, jewelry, and beauty items.
“Buy now pay later” with QVC is called “easy pay,” or you also have the option to apply for a QVC credit account. QVC will pull your credit report to determine your eligibility for both types of accounts.
If you apply for easy pay, you get a set number of monthly payments on the product you select. You can see the maximum number of payments for an item before adding it to your cart. Only certain items are eligible for easy pay. Easy pay payments are interest-free.
QVC credit is issued by Synchrony Bank. Your payments are monthly credit card payments made to Synchrony.
QVC offers a wide range of electronics including:
|Audio||Cameras||Computers and laptops|
|Phones||Smart home devices||Video games|
The Splitit app (like Klarna and Affirm) is an app that offers easy payments at a directory of different stores. Pre-approved Splitit stores include Bruan, Kogan, Purism, Braun etc.
To purchase electronic products with Splitit, you look through their catalog of approved stores. Use the Splitit app to pay for your purchase once you have selected what you are shopping for.
Splitit does not pull your credit report or ask you to fill in an application because they use your existing credit cards to split purchases into payments.
You use the app to make your purchase, and the Splitit app will then charge monthly payments to your credit card to cover the amount you spent.
Splitit payments are interest-free.
Purchasing power carries a smaller catalog of products that includes electronics, appliances, and furniture.
Purchasing Power is a unique “buy now pay later” program that is sponsored by your employer. You shop directly from the Purchasing Power catalog, and the payments for the products you buy are deducted directly from your paychecks.
Purchasing Power does not charge interest, and they do not check your credit report.
Purchasing Power offers a wide range of electronics including:
|Televisions||Video games and Gaming Consoles||Smart Homes|
|Fitness trackers||Smartphones||Computers and laptops|
|Cameras and camcorders||Headphones||Car Electronics|
My Exchange Store is associated with Luther Sales – another “buy now pay later” store on our list.
To use My Exchange Store (Luther Sales), you need to apply for a credit account with them. My Exchange Store (Luther Sales) will pull your credit report to determine your eligibility for their “buy now pay later” purchase option.
You can also receive credit with My Exchange Store (Luther Sales) based on your job history. If your credit is bad, you can still qualify for credit with the store if you make a down payment.
Once your application is accepted, you can shop the My Exchange Store (Luther Sales) online and choose to pay with your store credit line.
Your payments with My Exchange Store (Luther Sales) will resemble credit card payments.
My Exchange Store (Luther Sales) offers a wide range of electronics including:
|Computers and laptops||Televisions||Apple products|
Since Luther Sales and My Exchange Store are associated, the Luther Sales information matches My Exchange Store as described above.
Some Electronic brands supported by Luther Sales include SONY, Apple MAC products, XBOX, Microsoft surface tablets, TVs, Canon cameras etc.
IIPPY is a British “buy now pay later” option. IIPPY carries a unique selection of products, including electronics, furniture, and appliances.
To purchase products with IIPPY, you first shop via the IIPPY website. Once you find the item you are interested in buying, you checkout. IIPPY will not check your credit report.
On checkout, select IIPPY payments as your payment method. You have the option of choosing weekly, biweekly, or monthly payments on your purchase. Once you pick the payment terms that are right for you, the IIPPY team will contact you to talk about their financing.
IIPPY offers a wide range of electronics including:
|Camcorders and cameras||Gaming items||Tablets|
|Computers and laptops||Soundbars||Televisions|
Tech For Less specializes in technology and electronic products, and they carry a wide range of items in very competitive prices.
To buy a product with Tech For Less, you will need to select the “Affirm” payment option on checkout. Scroll up to number five on our list for information about how Affirm works.
Tech For Less offers a wide range of electronics including:
Please keep in mind that the site above offers various types of product quality like brand-new, open box, refurbished, factory refurbished etc.
YuKeep carries a large catalog of products that includes electronics, household appliances, and musical instruments. On their website, they reassure buyers that good credit is not needed and that you can own the purchased product in 12 months or less.
To “buy now pay later” with YuKeep, the process is as following:
- Select a product and your Lease Payment Option.
- Submit a short application for approval.
- Own the product in 12 months or less.
- Good credit is not necessary.
If you get approved for YuKeep credit, you will essentially be leasing the item you want with the option to own it later.
You make payments weekly or monthly for the life of your lease. Once the lease period ends, you can return the item without owing anything, or you can purchase the product for whatever money is quoted on your “End of Lease Purchase Option.”
YuKeep also gives you the option to purchase your leased item early so that you pay less money in fees.
YuKeep offers a wide range of electronics including:
The Shopping Channel carries a large catalog of products that includes electronics, jewelry, and home and garden products.
The Shopping Channel is the main competitor to QVC and their “buy now pay later” gives a specific breakdown of payments to be made on the same page as the product information.
The number of payments you make on a product depends on the product price and any current payment plan promotions.
The Shopping Channel will pull your credit report (a soft pull) to determine your eligibility for their payment program.
Your payments to The Shopping Channel will resemble credit card payments.
The Shopping Channel offers a wide range of electronics including:
The Home Shopping Network (or HSN) is another big competitor with QVC, and they carry a large catalog of products that includes electronics, jewelry, and home products.
The home shopping network’s payment option gives a specific breakdown of payments to be made on the same page as the product information.
The number of payments you make on a product depends on the product price and any current payment plan promotions.
The Home Shopping Network will pull your credit report (a soft pull) to determine your eligibility for their payment program.
Your payments to The Home Shopping Network will resemble credit card payments.
Some brands supported include HP, Ring, Apple, Bose, Amazon Fire TV, Acer etc.
HSN offers a wide range of electronics including:
|Computers and laptops||Headphones||Smartphones|
|Wearable tech||Gaming devices||Cameras|
|Smartphones||Smart Home||TV streaming|
Leaseville is another “lease to own” company that carries a large catalog of products that includes electronics, fitness equipment, and smartphones.
The Leaseville program is a “lease to own” system. You begin by shopping the Leaseville website and finding the product you want to buy. Then you checkout. On checkout, you have the option to fill in an application for lease to own. If you get approved for a lease to own agreement, you then e-sign your lease.
Leaseville requirements to qualify for their lease-to-own program state that their minimum requirements include ”minimum approval requirements include a steady income of at least $1,200/month for the last six months and an active checking account in good standing.”
Leaseville does pull your credit record (although they claim only to pull from “non-major” agencies.”)
Leaseville payments are monthly lease payments and at the end of your twelve-month lease, you will own your item. You also have the option to purchase your item early.
Leaseville offers a wide range of electronics including:
|Computers and laptops||Tablets||Major appliances|
|Workout Equipment||Apple products||TVs|
Zebit carries a small range of products that include electronics, jewelry, and home products.
To use Zebit you need to apply for a credit account with them. Zebit will pull your credit report to determine your eligibility, but they only do a soft pull (no FICO pulled).
If you are approved for a “zebitline” line of credit, you use it to make your purchase on their online store.
You pay back your “Zebitline” in installments over six months. Your payments will resemble credit card payments.
Zebit offers a wide range of electronics including:
|Headphones||Computers and laptops||Gaming consoles|
|Soundbars||Home security systems||Cellphones|
|Cameras||GoPro products||Amazon streaming stick|
MDG carries a small selection of products that include electronics, furniture, and appliances.
To “buy now pay later” with MDG, you need to apply for a credit account with them. MDG will pull your credit report to determine your eligibility – but this is only a soft pull.
If you get approved for MDG financing (issued by Capital Community Bank), you can use this credit to finance a purchase from their online store. You pay back your MDG financing with payments bi-weekly.
MDG offers a wide range of electronics including:
|Computers and laptops||Tablets||Televisions|
|Appliances||Cameras||Smart home devices|
Flexshopper carries a large catalog of products that includes electronics, furniture, and jewelry.
Flexshopper is similar to Leaseville in that their program is a lease to own program. They will do a soft pull on your credit report to determine whether you qualify for credit.
To get credit through Flexshopper, you apply for a credit line on their website. If approved, you can use that line of credit to purchase from their online store or to have a “personal shopper” set up a custom agreement on an item that they will buy from another big name store for you (such as Best Buy).
To pay off your Flexshopper credit, they will withdraw weekly payments for up to twelve months until your item is paid for.
Once paid for, you own the item you purchased outright. You also have the option of purchasing your item early.
Flexshopper offers a wide range of electronics, and since you can use a personal shopper, there is no limit on the type of electronics you can purchase.
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