Buy Now Pay Later Catalogs – Instant Credit Approval – Even in 2015!

Photo by Moyan Brenn, CC BY 2.0
Photo by Moyan Brenn, CC BY 2.0

Shop now pay later catalogs in 2015 are available to people who need flexible payment options and may be a little short of money this month – or perhaps you don’t have a credit card.

Whatever the case, the option for online shopping with these website catalogue stores allows you to use a buy now pay later plan and get the items now and setup a flexible payment plan to pay the balance down at a future later date.


This is a great way to shop immediately, and some of these catalog stores have easy instant credit approval and are OK with bad credit.

But don’t think when you shop online with one of these companies that you will be getting inferior products. The quality is stellar, and the diversity of products you can buy is outstanding. For instance, these choose and charge catalogs offer clothing, shoes, electronics, toys, furniture, jewelry, and so much more if you qualify.

The amount of shop now pay later catalogs diverse, as well. You will find that these monthly and weekly payment stores include:

  • Seventh Avenue
  • Ginny’s
  • Midnight Velvet
  • AJ Madison
  • Luther Sales

These are all catalogs like Fingerhut.

Bill Me Later is another option. It works very similar but can save you money if you use their no interest option when you first apply. At present, Bill Me Later offers more than 500 stores and retailers that offer products spanning every interest.


How buy now pay later no credit check shopping works

Buy now pay later catalogs work like a charge card, using a revolving account of credit. The lender extends you a small credit limit, and you get to order today the items, such as shoes or furniture. You will then get to pay the bill at a later future date.

You may have a small interest charge with your monthly obligations, but many online shopping vendors offer you a certain time frame where, if you pay the balance off before it is due, you are not charged the finance charge.

One item of note: Before you can order and do a lot of online shopping with choose and charge companies, you will have to approved and qualified. Some sellers may do a brief credit check before offering instant credit approval and you are not guaranteed.

The check will provide the buy now pay later company with enough detail about your history of payments. They will, most likely, want to verify that you are going to make due with your monthly obligations. This means they may extend you a small amount of credit at first.

Once you have a history of paying the shop now pay later catalog company back, they will, more than likely, increase your credit limit. This will allow you to shop for more expensive items today and pay at a later future date.

Value of purchase now pay later online shopping

Installments for shop today and pay tomorrow stores are typically low. Some companies, such as Ginny’s, offer monthly installments as low as $20, which can be a benefit if you need to get an item quickly and you are in a pinch.

Generally, though, the amount for your monthly obligation depends on how much you owe the seller. The more you charge, the more your payment will be each month.

Many people have a bad image of sellers who offer purchase now pay later online shopping. They think that people who use buy now pay later companies can’t ever afford to pay. But that’s not true.


A lot of people shop online using the deferred billing option, and it is a format that was used in history. Before big retail stores, businesses were mainly run by local folks. Those people often extended credit to fellow townspeople who they knew were good for it. The townspeople paid the salesperson back, and the he or she made money. This same is true about shop now pay later catalogs, which offer you an item immediately and allow you to pay the balance down at a later future date.