Some of the best applications that have been created recently are the ones that allow you to pay for your purchases through Buy Now Pay Later. However, we may ask ourselves: do I have to have good credit to apply for them? Well, the answer depends.
Some Buy Now Pay Later apps don’t need to check your credit to approve the loan application, but others do. Today we’re here to discuss the top 5 apps you can use to pay for your Buy Now Pay Later purchases that don’t require a credit check.
Pay Later, no credit check
You don’t have to worry about your credit once you choose one of the following apps. None of them will check your credit, and you can enjoy various benefits.
In our ranking, we have Money Mutual first. Besides not checking credit, this application offers loans from $100 to $5000. The application to get an account is very fast, and you don’t have to worry about paying fees when filling out your application.
It is one of the most popular apps today, with over 2,000,000 users. In addition, applications are approved in a very short time.
After being approved, you can receive your loan funds in less than a day. However, it cannot be used in all cities in the United States. The payment limit depends solely on the lender.
At Dollar Loan, once you make your application, it could be approved in 60 seconds, making it the application that supports users in the shortest time. It offers loans up to $1000, and the application is simple.
To apply, you need to be a US resident. In case of doubts, they have a customer service that is not automated and provides attention around the clock. The interest rate on payments, like Money Mutual, varies with the lender.
Loans with this option range from $100 to $1,000. The application is also pretty simple; you don’t have to worry about whether you have bad credit because they don’t check it, and once your application is approved, you will receive the funds in less than 24 hours.
You don’t have to worry about giving very personal information, as the information they ask for is essential. They do not have a customer service team.
Bad Credit Loans
With this option, you don’t have to worry about credit checks or having a good credit score. Applications are approved in as little as 5 to 10 minutes. They accept applications from people with bad credit. They can have credits of less than 500 points.
No personal guarantee is required, no down payment is required, and it is a good option for student loans. Credit limits are between $500 and $10,000.
However, people with low credit scores may be approved for a maximum amount of $1,000. Payments can be paid over six years, and interest rates range from 5.99% to 35.99%.
Last on our list is AmOne. This is one of the applications with the best reputation and one of the first. You can apply for loans from $1000 to $50,000, and they have debt consolidation loans.
You do not have to pay an initial amount. They give a time limit to pay off the debt from 24 to 84 months, and you don’t have to worry about it affecting your credit score.
In addition, they have good customer service so that in case of doubts, you can contact them, either by phone or email.