Top Rated Buy Now Pay Later Plans For People With Bad Credit

By Joan Sheenan
February 17, 2021

It's very common for people to choose buy now, pay later plans rather than traditional credit cards.  People often face scrutiny from retailers or creditors because of poor credit scores or past financial issues that might be out of your control.  Here at RTBShopper, we offer easy financing plans to help you get the products you need without facing credit check issues. is considered one of the top rated buy now pay later service with no credit check and instant approvals.  Whether you have a bad credit score, are behind on your bills or simply don't have enough cash saved up for an expensive purchase; we can help.

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Buy Now Pay Later Plans No Credit Check

Rather than dealing with a credit check and reviewal process, we make things much easier for you.  You can browse the largest selection of brand name electronics, home appliances and your favorite devices, without having to worry about facing a credit check at the checkout.  Instead, you can get pre-approved for up to $5,000 in shopping credit, so you know exactly how much money you can spend while shopping for your new purchase. BNPL (buy now pay later) has become one of the more popular ways to pay for expensive items because of the ease of the shopping experience.  We understand it can be difficult to pay for a new laptop computer in full out of pocket. Some of these laptops can cost upwards of $1,000 for one device! Our BNPL plans help break up the cost into smaller, more managable payment plans that fit your budget. 

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Getting Approved For Buy Now Pay Later Programs

Like I said, you won't have to deal with a credit check when applying for our pay later plan.  However, you will need a few key pieces of information in order to get approved for financing.  Here is what you need to apply for a lease:

  • a valid social security number or ITIN
  • a valid credit or debit card.
  • a government-issued ID like a driver's license, state ID, or passport.
  • To be over the age of 18.

It is better to be prepared ahead of time and make sure you have all necessary items before applying online.  This will save you time in the end.  Even though you might not think you will qualiy for financing due to your bad credit score, you will be surprised at how much you can get approved for with us.  We try to be flexible with your finances to help you get the products you need when you might find yourself in a bind.   Getting approved instantly for buy now pay later plans with bad credit is rare.  That's why people choose RTBShopper for their financing plans.  We help people with bad credit get approved instantly and get them the items they need quickly

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Apply For Instant Decision Financing 

You can start your application here and get started with your instant approval.  When shopping for your favorite products, be sure to maintain your shopping bag and keep things within your approved budget.  We have one of the largest inventories of electronics and home appliances.  Once you are approved and check out with your shopping bag, you will schedule a pick up with a local BestBuy location that's near your neighborhood.   Depending on what items you choose, you can schedule your pick up the same day you place your order.  How's that for service?  

Any questions? Feel free to visit our frequently asked questions to learn more about our programs and how we can help you get the best pay later plan to fit your lifestyle.