Buy Now, Pay Later

Sites For Buy Now Pay Later Electronics Guaranteed Approval

Thanks to all the “Buy now pay later” no credit check websites now available that lesser number of people have to overdraft from their banks or rely on instant loans to meet their needs. Luckily, buy now pay later electronics sites are here to make sure you have all the appliances that you wish for!

What Will We Talk About Here?
  • Affirm, Fingerhut, and Klarna are some of the best sites for “buy now pay later” electronics.
  • SplitIt and Best Buy are two options that you can try when looking for $0 interest charges.
  • Regardless of the shopping site, timely payments are a must to avoid any unpleasant penalty fee.

…and Much More!

21 Sites For “Buy Now Pay Later” Electronics

Marketing giants out there are giving their best shot to make shopping convenient for the buyers.

Many physical and e-stores now encourage contactless payments through platforms like Afterpay, Apple Pay, or Amazon Pay. Moreover, majority of them allow customers to pay in installments for the products when they can’t afford to pay upfront.

So when it comes to online sites for buy now pay later no credit check, there are many installment options that you can look into. Here are a few to name.


In the list of stores that accept Affirm payment, you will find globally approved brands and stores that sell the best electronic appliances.

  • Some leading stores include Ring, Dyson, Walmart, Target, and Nixplay.
  • You can access Affirm catalog to be sure which stores accept this form of payment.
  • Affirm basically gets you in contact with appropriate lenders depending on how much you wish to borrow.
  • It runs a credit report check to determine whether you are eligible or not.
  • The APR can be as high as 30% based on your credit history.


In addition to electronics, Fingerhut offers a complete catalog of cloths and other products available on “buy now pay later” scheme.

  • You need to apply for an account and the approval depends on your credit score.
  • If disapproved, you can still try your luck with installment loan programs.
  • Fingerhut reports to credit bureaus so you can hope to build up your score by using this platform.
  • The APR can be as high as 29.99%.
  • It offers audio devices, cameras, tablets, video games, office electronics, laptops, drones, car electronics, etc.


The list of online stores that accept Klarna financing includes clothing brands, home and lifestyle stores, as well as electronics.

  • Electronic section hosts gadgets from Lenovo, BOSE, SONOS, JBL, and other outstanding names.
  • “Buy now pay later” scheme is available on certain approved stores as mentioned in the catalog.
  • You need to apply for Klarna credit and wait for soft pull on your credit report before the company reaches a decision.
  • There are $0 interest payments plan besides pay-in-30 days plan and pay up to 36 months financing.
  • You can also split the cost into 4 small payments. Each would be due every 2 week with $0 interest and no hidden charges.

Best Buy

Best Buy offers flexible financing as well, in fact, it is one of the few stores that works with $0 interest rates.

  • You don’t need to pay any interest as long as the purchase is below $99 and payment ends within 6 months.
  • The feature is available anywhere that accepts payments via VISA.
  • The approval would reach you within seconds.
  • The stores runs a credit check but that should have no impact on your credit score.
  • You can complete the application on their online portal.


Quadpay is a similar payment app to Affirm and other options that we have discussed above that works with a selective, approved list of brands.

  • Some leading stores that accept Quadpay include Amazon, Microsoft, and Target.
  • Other names are mentioned in Quadpay catalog along with the details on payment plans.
  • You have to use the Quadpay app for the purchase while shopping.
  • The app runs a credit check on your score to determine if you are eligible or not.
  • Once approved, you can split the total payment into 4 equal installment due after 6 weeks each.

You might be interested in reading: Apps Like Quadpay To Make Buy Now Pay Later Hassle-Free.


Another brilliant choice on the list is Stoneberry store.

  • You need to apply for an account here.
  • The feature is available to candidates who qualify for $1000 Stoneberry credit.
  • Timely payments can help you increase your credit line.
  • Credit report determines whether you would be eligible for the service or not.
  • Stoneberry currently offers a wide collection of computers, laptops, wearable tech, tablets, home audio, gaming gear, etc.


Wards credit would get you all sort of electronics that are available on this impeccable platform.

  • You can apply for the credit account with Wards online.
  • The company would run a soft check on your credit report to determine eligibility.
  • You can qualify with a bad credit by making a down payment.
  • Currently, Ward offers electronic from SONY, Hoover, Samsung, and any other leading brands.
  • You would be able to find portable electronics here as well as audio devices, phones, smart watches, fitness trackers, and camcorders.


QVC offers “easy pay” with a range of quality products including electronics, home goods, jewelry, etc.

  • The firs thing is to apply for the QVC credit account and wait for approval.
  • QVC runs a credit check on your score before reaching a final decision.
  • After the approval, you will be allotted number of monthly payments for the chosen product.
  • All the payments made via this service are interest-free.
  • You can choose from a wide collection of cameras, TVs, computers, laptops, tablets, and smart home devices.


This payment app resembles Affirm and Klarna financing. Needless to say, it makes payments easy and hassle-free for all its users.

  • Some store that accept SplitIt include Braun, Kogan, and Purism.
  • You can go through the catalog for more detailed information on approved stores.
  • The app does not check your credit report.
  • The payments are on monthly basis so it is easy to cover the amount that you have used up.
  • All the payments are interest free.


Leaseville works on “lease to own” basis and you can find a large collection of electronics here.

  • Buyers need to fill an application for “lease to own” at the checkout and then wait for approval.
  • The company highlights that for acceptance, applicant would need a steady source of income ($1200 per month at least) and an active checking account with good history.
  • Leaseville runs a credit check as well.
  • You would then be allotted a 12-month lease.
  • You can also opt for early payment and seize complete ownership of the product before time.


Although Zebit only hosts a small collection of electronic and appliances, it is a great place to consider when you wish to shop in installments.

  • You have to apply for Zebit credit account before the purchases.
  • Zebit runs a credit check before accepting or rejecting your application, however, that would not affect your score.
  • Once you are approved, you can choose anything from their online store.
  • The range of product varies including computers, laptops, TVs, cameras, tablets, speakers, etc.
  • The pay back period is divided over 6 months.

Purchasing Power

The catalog here is limited in options but nonetheless, the store offers some good collection or electronics and more.

  • What sets this platform apart is that your purchases here would be financed by your employer.
  • The payments are deducted from the paychecks.
  • The site does not charge any interest on the items that you purchase on installment basis.
  • They also do not run a credit check.
  • You can find a nice collection of video games, laptops, smart home devices, fitness trackers, and cameras here.

Tech For Less

You can find large range of electronics here in affordable prices.

  • Tech For Less uses Affirm as payment method.
  • Camera, computers, laptops, tablets, etc. are all available here.
  • The installment plan would be finalized depending on the price of the product.
  • Moreover, the products of different quality can be accessed. For example, factory refurbished or open box.
  • The payments per month would differ depending on the quality you choose.

My Exchange Store

This is another “buy now pay later” electronics store on the list that is worth a try when you are out shopping for home appliances.

  • My Exchange Store runs a credit report check before accepting or rejecting your application.
  • The store would give you a credit line depending on your job history.
  • When shopping, you can choose to pay online and utilize the credit line instead.
  • Although you need a good credit score to improve chances of approval, people with bad score can make a down-payment to qualify.
  • The items available on the store include appliances, camcorders, smart speakers, drones, TVs, and much more.

Luther Sales

It supports electronic brands including SONY, Canon, Microsoft, and Apple.

  • Luther Sales and My Exchange Store are associated therefore, a number of terms of use are identical.
  • The store pulls your credit report to ensure you are eligible for the purchases.
  • Your job history largely impacts the decision.
  • You can also choose to pay store credit line if needed.
  • The items available on the store include appliances, camcorders, smart speakers, drones, TVs, and much more.


You can visit IIPPY website to find electronics, furniture, appliances, and much more. Here you can add all the items of interest to the cart and then opt for a payment method.

  • IIPPY does not run any credit check before approval.
  • You can choose to pay per week, two weeks, or on monthly basis.
  • The terms and conditions of financing would be discussed with you directly by the IIPPY team.
  • The website offers camcorders, soundbars, TVs, smartwatches, and smartphones.
  • There are a number of payment plans to choose the one that is right for you.

The Shopping Channel

This platform hosts a large catalog where you can find all the electronics of your choice.

  • The breakdown of the payment is attached to the product description section.
  • The actual plan depends on the price of the product.
  • There are many promotional payment plans going on that you can avail at certain times.
  • The Shopping Channel runs a soft credit check on your report prior to approval.
  • You can find headphones, GPS, tablets, and smartwatches here as well.

Home Shopping Network

You can find electronics from Apple, Bose, Amazon, HP and many other leading brands here available on installment payment plans.

  • The breakdown of the payment is attached to the product description section.
  • The actual plan depends on the price of the product.
  • There are many promotional payment plans going on that you can avail at certain times.
  • HSN runs a soft credit check on your report prior to approval.
  • You can find gaming devices, printers, wearable tech, and home security gadgets here as well.


Yukeep lets you lease products without having an excellent credit score on your report.

  • You need to submit an application and wait for the approval.
  • Once the duration of lease begins, you can make payments on monthly or weekly basis.
  • Moreover, you can pay the quoted amount earlier to own the product before the lease term ends.
  • Purchasing the item earlier would mean that you pay less in fees.
  • Products ranging from computers, video games, TVs, cameras, and toys are all available here.


This one is another amazing installment spot where you can benefit from in the purchase of electronics, furniture and jewelry.

  • It works on the basis of lease-to-own program.
  • Flexshopper does a soft credit check to assess whether you are eligible for the program or not.
  • You can apply for credit line on their website and may need to wait for approval.
  • You can also opt for “personal shopper” customer agreement on their store.
  • Flexshopper withdraws weekly payments from your account for up to 12 months.


MDG hosts a wide collection of electronics, appliances, and furniture that you can buy and pay for later in installments.

  • Applicants need to have a credit account with MDG for “buy now pay later” feature to work.
  • Once approved, this credit can be used for shopping on the site.
  • Buyers have to pay back with bi-weekly payments.
  • MDG is quite famous for computers, laptops, tablets, TVs, and cameras.
  • Additionally, it has decent collection of gaming gadgets and smart home devices.

The Bottom Line

Any of us can run into an emergency where an electronic appliance is a dire need.

Instead of worrying about breaking your pocket, you can look into all these amazing sites that let you purchase the items you need on installments. Some of these are buy now pay later electronics guaranteed approval stores that won’t disappoint you in tough times!

  • Nonetheless, timely repayment is a must!

Even for site that are interest-free, you might face high penalty charges if you don’t pay back on time.

Frequently Asked Questions

What are the best electronic stores that offer “buy now pay later”?

Fingerhut, Klarna, Affirm, and Stoneberry are some of the best electronic stores that let you purchase items and pay in installments.

Can I buy now and pay later on Amazon?

Yes. Amazon lets you pay in installments only if you are purchasing an item over $50. Moreover, it only runs a soft credit check that should not mess up your credit score.

Can you buy now and pay later at Best Buy?

Best Buy offers interest-free financing. The payment method is quite simple so buyers don’t get into financial trouble.