Buy Now Pay Later (BNPL) is revolutionizing how we buy and spend. From helping you purchase big holidays to annual renovation projects, there\u2019s hardly anything you can\u2019t finance with BNPL these days.<\/p>\n\n\n\n
But what\u2019s the use of an amazing financing plan if you don\u2019t know where you can use it? Let\u2019s rectify that right away with our list of the best buy now pay later catalogs that you can use this 2022.<\/p>\n\n\n\n
In this article, we\u2019ve come up with some of the most popular and up-and-coming merchants who accept buy now pay later schemes.<\/p>\n\n\n\n
Excited? Let\u2019s get started!<\/p>\n\n\n\n
FlexShopper is a lease-to-own retailer with a catalog of over 80,000 products and an A+ rating from the Better Business Bureau. Their catalog of products includes everything from furniture and tech to jewelry and kids\u2019 products.<\/p>\n\n\n\n
Their instant approval gives you a spending limit of $2,500 that you can spend on single or multiple purchases.<\/p>\n\n\n\n
Flexshopper gives you a 12-month lease period to make weekly payments after which you can own the product. Weekly payments start from $4. However, you can also make all your payments in one go.<\/p>\n\n\n\n
Fingerhut is an online shopping portal that sells everything from furniture and bedding to jewelry and the latest electronics.<\/p>\n\n\n\n
Your payment options include the Fingerhut Advantage Revolving Credit Account or the Fingerhut FreshStart Credit Account which are both issued by WebBank.<\/p>\n\n\n\n
With the Revolving Credit Account, you\u2019re required to remit a one-time down payment that is counted towards your purchase.<\/p>\n\n\n\n
On the other hand, the Fingerhut FreshStart Credit Account has a three-step installment program. You need to make a one-time purchase within your credit limit and pay a $30 down payment once your order ships. The rest of your balance is paid in monthly installments.<\/p>\n\n\n\n
Completing payments on the FreshStart account can make you eligible for a Revolving Credit Account.<\/p>\n\n\n\n
The approval process is instant and allows you to start shopping immediately. Paying off your purchases is also easy with monthly payments starting at $9.99.<\/p>\n\n\n\n
Fingerhut doesn\u2019t bill you for membership fees, over-limit fees, and annual charges either. All you have to do is meet your payments and the interest accrued. However, if you fail to pay on time, you have to pay a late fee of $40.<\/p>\n\n\n\n
They also help you build your credit score by reporting your payment history to credit bureaus.<\/p>\n\n\n\n
Zebit is a marketplace that provides BNPL services to those with poor credit. Their catalog includes health equipment, furniture, electronics, home goods, accessories, and more.<\/p>\n\n\n\n
Zebit doesn\u2019t perform a hard credit check<\/a> but instead pulls income and identity verification details about the applicant. Based on this soft credit check, you\u2019re given a maximum spending limit of $2,500. Zebit also tells you how much your downpayment is which is typically 20 to 30% of your purchase amount.<\/p>\n\n\n\n Like Fingerhut, Zebit doesn\u2019t charge any additional fees except what you see upon checkout. Your payment schedule is based on your income and is spread over six months.<\/p>\n\n\n\n A premium marketplace, Venue has over 1 million brand name products on offer.<\/p>\n\n\n\n Unlike other BNPL catalogs, Venue partners with four BNPL services to offer you flexible financing options. These services include Genesis Credit, Acima Leasing, Klarna<\/a>, and Synchrony.<\/p>\n\n\n\n Applying for credit is simple. All you need to do is apply for a financing offer at checkout. If you aren\u2019t approved for BNPL by one of its partners, you can see if its other affiliated BNPL providers will approve your transaction.<\/p>\n\n\n\n From low monthly payments, zero-interest payments, no credit checks, and instant approval, Venue offers some of the best financing options on premium products that you won\u2019t find elsewhere.<\/p>\n\n\n\n If low monthly payments are what you\u2019re looking for, shop at Stoneberry.<\/p>\n\n\n\n Stoneberry is an online retailer offering BNPL financing options on a wide range of products such as bed and bath, outdoor, electronics, beauty, and more.<\/p>\n\n\n\n With Stoneberry Credit, your monthly payments can be as low as $5.99 a month.<\/p>\n\n\n\n You can get pre-approved for credit instantly and start shopping for products based on the spending limit you are approved for. Stoneberry only does a soft credit check which doesn\u2019t show up on your report.<\/p>\n\n\n\n You aren\u2019t required to pay an annual fee, membership fee, or over-limit fee either. While Stoneberry does charge a late fee, you can be assured that it will never go over $15.<\/p>\n\n\n\n Ginny\u2019s is an online catalog offering bed and bath products, gift items, toys, kitchen items, home accessories, and more.<\/p>\n\n\n\n The best thing about Ginny\u2019s is it offers financing options to consumers directly without needing a third-party provider. This allows them to extend credit as well as flexible repayment plans to those with a poor or zero credit history.<\/p>\n\n\n\n Making regular timely payments with Ginny\u2019s has multiple benefits. For starters, Ginny reports your payment information to credit bureaus which can help build your credit score. In addition, their revolving credit helps you increase your approved credit limit in no time.<\/p>\n\n\n\n Their monthly payments start at $10 which is fair if you consider their offerings but is double what some other BNPL providers are charging.<\/p>\n\n\n\n<\/a>Pros<\/h4>\n\n\n\n
<\/a>Cons<\/h4>\n\n\n\n
<\/a>4. Venue<\/h2>\n\n\n\n
<\/a>Pros<\/h4>\n\n\n\n
<\/a>Cons<\/h4>\n\n\n\n
<\/a>5. Stoneberry<\/h2>\n\n\n\n
<\/a>Pros<\/h4>\n\n\n\n
<\/a>Cons<\/h4>\n\n\n\n
<\/a>6. Ginny\u2019s<\/h2>\n\n\n\n
<\/a>Pros<\/h4>\n\n\n\n
<\/a>Cons<\/h4>\n\n\n\n
<\/a>BNPL? Ring It Up!<\/h2>\n\n\n\n