Ellen Cibula
Written by Ellen Cibula Payments, Finance, and AI Expert: Learn More

Looking to buy now and pay later without worrying about being “denied” or using a loan or credit card?

As someone who has worked in fintech for years, I have found the 5 best guaranteed-approval, Buy Now, Pay Later apps that can help you get access to funds anytime, even with bad credit. From shopping online to financing a car repair, these apps can provide fast, flexible financing options with no credit check required!

Get the goods or services you need right away without worrying about upfront costs or hard credit checks. Enjoy convenience and flexibility with budget-friendly monthly payments when buying something big or small. 

Read on for my review of the 5 best BNPL apps with guaranteed approval, and find out which one is right for you today!

Ellen’s Choice

Afterpay

Afterpay logo
  • Split purchases into 4 interest-free installments
  • Available at thousands of retailers
  • Instant decision on eligibility without affecting your credit score
  • Hardship policy in case you fall on hard times
  • free mobile app and online account management
Great for PayPal Customers

PayPal Pay in 4

PayPal logo
  • Use existing PayPal payment methods
  • Eligible for purchases of $30+
  • Available at millions of online stores
  • Transparent pricing with no hidden fees
  • Easy to use through the PayPal app or website
TL;DR

Here is my list of the 5 best [product]:

1. Afterpay
2. PayPal
3. Affirm
4. Sunbit
5. Zip

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What Are the Best Guaranteed Approval Buy Now Pay Later Companies?

Here is my reviewed list of the best Guaranteed Approval Buy Now Pay Later Companies.

Ellen’s Pick
Afterpay logo
Financial wellness is a tap away.

Afterpay

Afterpay is a Buy Now, Pay Later company that allows you to split what’s in your cart into 4 interest-free installments over 6 weeks. Afterpay is available at thousands of online and in-store retailers, making it a convenient payment option for you.

You can apply for an Afterpay account and receive an instant decision on your eligibility without affecting your credit score. Afterpay offers a mobile app and online account tools that allow you to manage your payments and view your payment schedule easily.

Afterpay does have a hardship policy if you fall on hard times. They will cap the late payment fees at 25% of the purchase price. You can also make partial payments if that is all you can afford at that time. They will send payment reminders so you don’t forget a payment.

Additionally, Afterpay does not charge any interest or fees if you make your payments on time, making it a more affordable alternative to traditional credit options.

Top Benefits

Afterpay Pay in 4
  • Split purchases into 4 interest-free installments to help you afford to pay for larger purchases.
  • Available at thousands of retailers, giving you more options to use the BNPL payment option.
  • Instant decision on eligibility without affecting your credit score.
  • Conveniently manage your payments with a free mobile app and online account management.
  • No interest or fees for on-time payments, making it more affordable than traditional credit options.
  • Apply without affecting your credit score because a credit check is not required.
  • Easy payment management, so you don’t have to worry about it.
  • Avoid missed payments by viewing your payment schedule clearly in your account.

Afterpay Pros

  • No interest or fees for on-time payments
  • Can make partial payments
  • Hardship policy in case you fall on hard times
  • Instant decision on eligibility without affecting credit score
  • No interest or fees for on-time payments
  • Will send payment reminders and cap late payments

Afterpay Cons

  • Missing a payment can result in fees and may negatively impact your credit score
  • May encourage customers to overspend or make unnecessary purchases
  • Not all stores accept Afterpay financing

Pricing

Afterpay prices and fees

Make your payments on time? Afterpay won’t charge any interest or fees. However, if you don’t, that late payment may result in fees. And this may negatively impact your credit score.

The cost of using Afterpay’s Buy Now, Pay Later product depends on the customer’s ability to make payments on time and avoid late fees. Choose the payment plan that works best for you based on your own budget and financial situation.

Afterpay offers transparent pricing and no hidden fees, so customers can see the total cost of their purchase upfront, including any late fees or penalties.

Late fees for shoppers in the USA are capped at 25% of the order value.

Bottom Line: Ellen’s Take

Yes, Afterpay is a good option if you can afford to pay for something in 4 payments over 6 weeks. If you can’t pay the time off in 6 weeks, maybe you should reconsider your purchase.

Based on customer reviews, Afterpay offers a flexible payment option for customers that is easy to use and manage. Splitting purchases into interest-free payments can make buying that Xbox more affordable than traditional credit options for some customers.

And you know what? The application process is fast and easy, and you will get an instant decision on your eligibility without affecting your credit score.

Overall, many customers have reported positive experiences with Afterpay and find it to be a worthwhile payment option.

Best for Paypal customers
PayPal logo
Enjoy now. Pay Later.

PayPal Pay In 4

PayPal’s Buy Now, Pay Later (BNPL) product is a flexible and quick payment option that allows you to split purchases into four interest-free (0%) payments over six weeks. This option is available for eligible purchases of $30 or more and can be used at millions of online stores that accept PayPal. You can also use any PayPal payment method you have in your account.

Pay in 4 gives customers more control over their spending and provides a more affordable alternative to traditional credit options. Customers can easily manage and view their payment schedule in their PayPal account. Additionally, there are no late fees or prepayment penalties associated with this product.

There is also no impact on your credit scores with Pay in 4. You must pay the first payment immediately at the time of the purchase. Think of this as the down payment on your purchase. The next 3 payments are spread over 6 weeks – each one due 15 days after the previous.

Top Benefits

PayPal BNPL
  • Split purchases into 4 interest-free payments, allowing you to be able to afford that new TV.
  • Use existing PayPal payment methods (credit card, debit card, or bank account), so you don’t have to go through the hassle of adding a payment method.
  • Eligible for purchases of $30+, meaning even small purchases are eligible.
  • Available at millions of online stores, so you can choose Pay in 4 where ever you shop
  • Apply at checkout with participating retailers to make it easy to apply.
  • More control over spending means you can decide if you
  • Down payment due at the time of the transaction: No need to pay for the full purchase upfront.
  • 3 subsequent repayments are made every 15 days thereafter, so the payment schedule is manageable.
  • Transparent pricing with no hidden fees helps you understand the total cost of purchase upfront.

PayPal Pay in 4 Pros

  • Use your existing PayPal payment methods
  • Offers a flexible payment option for customers
  • Easy to use and manage payments through the PayPal app or website
  • No late fees or prepayment penalties
  • Soft credit check with no minimum credit score requirement

PayPal Pay in 4 Cons

  • Not all stores accept PayPal’s Buy Now, Pay Later option
  • Available for online purchases only
  • Payment plans cannot be restructured

Pricing

There are no fees for using PayPay’s Pay in 4, as it offers interest-free payments. Just be sure to make every payment on time when it is due.

Bottom Line: Ellen’s Take

If you are new to BNPL services and already have a PayPal account, Pay in 4 might be a good option for you. There are no fees, and you can use your existing PayPal payment methods (debit card, credit card, or confirmed bank account).

best with multiple BNPL options
Affirm logo
Buy now, pay later without the fees

Affirm

Affirm has 2 convenient options: Affirm Pay in 4 and monthly payments.

Affirm’s Buy Now, Pay Later Pay in 4 is a payment option that allows you to split purchases into 4 interest-free payments every 2 weeks. Customers can apply for Affirm financing at checkout with participating retailers and receive an instant decision on their eligibility. The first payment is due at the time of purchase, with the next 3 due every 2 weeks.

Affirm’s monthly payment plan offers instant approval with up to 48-month repayments, but APR is 0 – 30%. Be sure you understand the terms before you choose the monthly payment plan.

Affirm offers transparent pricing and no hidden fees, making it easier for customers to understand the cost of their purchase. Additionally, Affirm offers a mobile app and online account management tools that allow customers to easily manage their payments and view their payment schedule.

You just pay later with your credit or debit card.

Top Benefits

Affirm BNPL options
  • Split purchases into multiple payments, making it an affordable way to pay for your purchases.
  • You can compare the payment plans at checkout, so you can pick the plan you want (Buy Now Pay Later in 4 or Monthly Plan).
  • Apply at checkout with participating retailers, which means it is available where you shop.
  • Instant decision on eligibility, so you can decide which you want and get on with your day.
  • With no hidden fees and clear pricing, you always know how much that new Xbox will cost you.
  • Manage your payments anywhere with online and mobile app account management.
  • Easy payment management: Hassle-free payment process.
  • View your payment schedule in your account so you never miss a payment.
  • By making your payments on time, you may even improve your credit score at the same time.

Affirm Pros

  • Offers a flexible payment option for customers
  • Free Apple and Android apps to manage your payments
  • Instant decision on eligibility
  • Transparent pricing and no hidden fees
  • No late fees, no prepayment fees, no annual fees, no account open or close fees

Affirm Cons

  • Interest rates on the monthly plan can be high for some customers
  • Late payments can result in subsequent fees and negatively impact your credit score
  • Must pay for the purchase in 4 payments, with the first at the time of the purchase

Pricing

Affirm pricing details

There is no cost to use the Pay in 4 plan.

The cost of using Affirm’s monthly payments product depends on the interest rate offered to the customer, which can range from 0% to 30% APR.

Affirm offers transparent pricing and no hidden fees, so customers can see the total cost of their purchase upfront, including any interest charges.

Again, you can choose the payment plan that works best for you based on your budget and financial situation.

Affirm does not charge any prepayment penalties, so customers can pay off their balance early without incurring any additional fees.

Bottom Line: Ellen’s Take

If you want to buy something without paying full price upfront, Affirm is a good option for you. You can choose between no-interest payments with the Pay in 4 plan or spread out large purchases over many months with the monthly payments plan (although paying with interest).

Best for Services and home improvement
Sunbit logo
Sunbit Now, Pay-over-time.

Sunbit

Sunbit is a payment platform that offers Pay Over Time products for customers to finance purchases. Sunbit’s Pay Over Time products are available at thousands of retailers, including automotive, dental, and home improvement stores, veterinary clinics, and optical practices.

Customers can apply for financing at checkout with participating retailers and receive an instant decision on their eligibility. Sunbit offers flexible payment options, including interest-free and low-interest plans, making it more affordable than traditional credit options.

Additionally, Sunbit does not require a credit check, so customers can apply without affecting their credit score. Sunbit offers a mobile app and online account management tools that allow customers to easily manage their payments and view their payment schedule.

Read Review

Top Benefits

Sunbit Pay Over Time
  • Available at thousands of retailers and service providers to give you several ways to finance purchases.
  • Instant decision on eligibility so you can apply quickly and easily.
  • Flexible payment options allow you to pick a payment plan for your budget.
  • Interest-free and low-interest plans may be more affordable than traditional credit options.
  • No credit check is required when applying, so it doesn’t affect your credit score.
  • See all of your payments clearly with the mobile app and online account management.
  • Easy payment management to make your payments hassle-free payment process.
  • View your payment schedule in your account so you don’t have any missed payments.

Sunbit Pros

  • 90% approval rate
  • 30-second application
  • Fair, transparent rates with no late fees, penalties, or origination fees
  • Offers a flexible payment option for customers
  • Available at 20,000+ retailers, including automotive, dental, and home improvement stores
  • Flexible payment options, including interest-free and low-interest plans

Sunbit Cons

  • Missing or late payments can result in fees and negatively impact your credit score
  • Down payment required
  • Interest rates can be high for some customers
  • Not all stores and businesses accept Sunbit financing
  • Limited to certain types of purchases, such as automotive and home improvement services.

Pricing

Sunbit rates and terms

APR ranges from 0% – 35.99%

Different APR ranges apply for NY, MD, MA, and CO residents

No application origination, account opening, prepayment penalty, or late fees

Bottom Line: Ellen’s Take

Sunbit is different than the others in this post. They offer instant approval loans not for consumer goods but for any unexpected expense, like tires, vet bills, and home improvement costs.

If you have one of these unexpected expenses and need help paying it, Sunbit is a good option. Their approval process is quick, and over 90% of applicants get approved.

Best with card and trade solutions
Zip logo
Pay later where you want

Zip

Zip (formerly Quadpay) is a FinTech company that offers Buy Now, Pay Later products for customers to finance purchases. Zip’s BNPL products are available at thousands of online and in-store retailers, making it a convenient payment option for customers. Does your store of choice accept Visa? Then chances are, it will accept Zip payments.

Customers can apply for a Zip account and receive an instant decision on their eligibility. Zip offers flexible payment options, including interest-free and low-interest plans, making it more affordable than traditional credit options.

Additionally, Zip offers a range of payment products, including a physical Zip Card and a trade solution for small and medium-sized businesses. Zip offers a mobile app and online account management tools that allow customers to easily manage their payments and view their payment schedule.

Top Benefits

Zip BNPL
  • Available at thousands of retailers, so you have more options to finance those purchases.
  • Instant decision on eligibility so the application process is quick and easy.
  • Choose the best payment plan for your budget with flexible payment plans.
  • Interest-free and low-interest plans may be more affordable than traditional credit options.
  • Physical Zip Card that can be used for offline purchases.
  • Trade solution for small and medium-sized businesses to help businesses manage cash flow.
  • Mobile app and online account management to conveniently manage payments on the go.
  • Easy payment management for hassle-free payments.
  • View your payment schedule to have clear visibility into the payment schedule to avoid missed payments.

Zip Pros

  • Offers a physical Zip Card for offline purchases
  • Helps businesses manage cash flow with a trade solution for small and medium-sized businesses
  • Flexible payment options, including interest-free and low-interest plans
  • Offers a flexible payment option for customers
  • Instant decision on eligibility

Zip Cons

  • Missing a payment can result in fees and negatively impact your credit score
  • Interest rates can be high for some customers
  • Not all stores accept Zip financing
  • Only for US purchases
  • Installment fees added to prices

Pricing

Zip fee info

Installment fees vary and can range from $0 to $7.50, depending on the purchase price.

Zip offers different payment plans with varying costs depending on the customer’s purchase and payment plan. Some payment plans are interest-free, while others may include interest or fees. Customers can view the total cost of their purchase and payment plan, including any interest or fees, upfront before agreeing to the payment plan.

It’s important to carefully review the terms and conditions of each payment plan before agreeing to it to fully understand the costs involved.

Bottom Line: Ellen’s Take

Zip’s BNPL product offers a flexible payment option for customers and is available at thousands of retailers, making it a convenient payment option. The product offers interest-free and low-interest payment plans, which can make it more affordable than traditional credit options for some customers.

However, it’s important to carefully review the terms and conditions of each payment plan to understand the costs involved fully.

The additional features of the Zip card and the trade solutions give you more options to pay for stuff.

Ultimately, whether Zip is worth it depends on your financial situation and ability to make payments on time.

What is a Guaranteed-Approval Buy Now Pay Later Company?

A guaranteed-approval buy now, pay later company is a service that allows you to make purchases and pay for them in installments without undergoing a credit check or facing the risk of being denied based on your credit history.

Unlike traditional credit options that require a credit check and may deny those of you with poor credit history, these BNPL companies offer financing to all customers, regardless of their credit scores.

Want a new couch or a big-screen TV, but you don’t want to pay for it all upfront? Or your credit card is maxed out? These companies provide an alternative to traditional credit options like credit cards or personal loans. Their flexible payment plans allow you to spread the cost of that TV or couch over time. The approval process is typically quick and straightforward, ensuring you can get the funds you need to make purchases without delay.

Conclusion

These BNPL options can be a great solution for those of you who may have been denied credit in the past due to a poor credit score or no credit history. They even work for those with good credit.

If you want to buy something but don’t want to pay for it all upfront, then try one of these options. Just make sure you can afford to make each and every payment on time.

Using Buy Now, Pay Later is an easy way to buy that TV, or Xbox, or car repairs, and not have to pay for all of it upfront.

However, as with all things, read the fine print. Carefully go over the terms and conditions of each payment plan to fully understand the costs involved.

With that said the 5 best guaranteed-approval BNPL options I reviewed can help you make informed decisions and find a payment option that works best for your needs and budget.

I hope this review helps you get that new TV or couch that you’ve always wanted. 

FAQs

No, you do not necessarily need good credit to Buy Now, Pay Later services. Unlike traditional financing options that often require a credit check with the 3 credit bureaus and good credit history, many Buy Now, Pay Later (BNPL) companies offer alternative payment solutions. These solutions prioritize accessibility and convenience.

These companies may have different approval criteria but typically focus on factors other than just credit scores. Some providers may consider factors such as income, employment status, and past purchase history when evaluating eligibility.

As a result, individuals with varying credit backgrounds can often qualify for Buy Now, Pay Later options. This makes it a popular choice for those of you who may not meet the requirements of traditional credit institutions.

Just beware – each company has its own policies and approval process, so you need to review the specific requirements of the Buy Now, Pay Later provider you are considering.

Yes, Amazon offers a Buy Now, Pay Later (BNPL) service called Amazon Monthly Payments. With this service, you can pay for select products on the site over a period of time instead of upfront.

The BNPL service allows customers to make affordable monthly payments, offering flexibility and convenience in purchasing items from Amazon. And it’s available within your Amazon account.

Here are some ways to get money quickly without a credit check:

  1. Borrow from family or friends.
  2. Try to find online lenders that specialize in lending to those with less-than-perfect credit.
  3. Take on a side gig or freelance work for extra income.
  4. Pawn valuable items at a pawn shop.

Remember to carefully review terms and repayment plans before borrowing.

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