Get approved for up to $5000 in electronics with no credit check!

Instant Decisions

Our application process is quick and easy to finish. You will get an answer right away.

No Credit Checks

If you apply for lease to own financing through us, your credit score will not be hurt.

buy now pay later electronics at Pay Later Finance

Buy Now, Pay Later electronics and appliances

Pay Later Finance helps you get the items you want today, without waiting until your next paycheck. We help people with bad credit or limited credit access to get rent-to-own leasing for big ticket items like furniture, appliances, electronics, laptops, and more without having to wait or by breaking their budget. We offer weekly, bi-weekly, or monthly payment plans for those who qualify and almost everything you see is available for same-day pickup or free shipping!


Bad Credit, No Problem

Pay Later Finance is a leading provider of rent to own financing for consumers with bad credit. We offer a variety of flexible options to help our customers get the electronics they need when they need them. With low monthly payments and no money down, we make it possible for our customers to get what they want without breaking their budgets.

Common Questions

Frequent questions and answers about Pay Later Finance

Here’s what you’ll need for your application:

  • Your Social Security number or ITIN
  • A valid credit card or debit card
  • A valid government issued photo ID
  • To be 18 years or older

We will deliver your product to you quickly!

  • Pick your new product up in stores or have it shipped straight to your front door.
  • Most products are available for pickup the same day you order it.
  • Free shipping is also available on all orders (larger appliances like refrigerators may have handling fees)

Applying again is risk-free and takes minutes!

  • Make sure your bank account information matches the address and personal information you used for your application. If you have had your name changed, or do not have up-to-date information with your bank on file you may be declined.
  • If you have good information and get denied, try again in 30 days. We work with people who have been declined before all the time.

We offer flexible payment plans for your schedule!

  • Our lenders offer weekly, bi-weekly, and monthly payment plans which are easy to manage both online or over the internet. Your payment schedule will be created based on your pay dates!