NO CREDIT, NO PROBLEM

Affirm is a Buy Now, Pay Later service that splits your purchase into fixed monthly payments. You see the full cost before you commit, and Affirm never charges late fees.

The Simple Terms
You'll see your full payment schedule, including any interest, before you check out. There are no hidden fees, no compounding interest, and no late fees, ever. Payment terms run from 3 to 48 months depending on purchase size and approval.

Best For
Shoppers who want clear, predictable monthly payments with no late-fee surprises.

Bread Pay offers installment loans that let you spread your purchase across fixed monthly payments, with the application living right at checkout.

The Simple Terms
Split your total into monthly installments. Promotional rates as low as 0% APR are available on qualifying purchases; most customers see competitive standard rates based on credit. Checking your rate takes seconds and uses a soft credit pull that won't affect your score.

Best For
Customers with fair to excellent credit who want a traditional installment loan with predictable monthly payments.

PayTomorrow runs a single application that checks you across multiple lenders to find the rate you qualify for, regardless of credit history.

The Simple Terms
One application evaluates you against multiple credit tiers and returns the best rate available to you. Rates vary based on credit, and you'll see your terms upfront before you accept anything.

Best For
Shoppers with any credit history who want one application instead of filling out several.

Progressive Leasing is a lease-to-own option, not a loan or credit card. You lease the items, make scheduled payments, and gain ownership at the end of the lease term.

The Simple Terms
No credit check is required to apply. You lease your items and make regular payments. Pay off the lease within 90 days for the lowest total cost, or continue through the standard lease term to gain ownership. The total of all lease payments will be higher than the cash price if you complete the full term.

Best For
Customers without established credit who want to take their items home today without a traditional credit check.

Katapult is lease-to-own financing for shoppers who may not qualify for traditional credit. Lease items, make scheduled payments, own them at the end of the term.

The Simple Terms
Approval takes seconds with a soft credit check that won't impact your score. Pay a small amount at checkout, then flexible payments scheduled to your paydays. Early payoff reduces total cost. Completing the full term costs more than the cash price.

Best For
Shoppers with limited or poor credit who want a fast lease-to-own option with early-payoff flexibility.