Buy now pay later (BNPL) services have become increasingly popular for financing big purchases like laptops. BNPL allows you to split your laptop purchase into smaller installment payments over time with 0% interest. This makes expensive tech purchases more affordable.
The best part is many BNPL services don’t require a credit check or look at your credit score to approve financing. As long as you make your payments on time, you can build your credit over time while enjoying your new laptop today.
Below are 6 of the top buy now pay later laptop financing options that don’t require a credit check:
1. Affirm
Affirm is one of the biggest BNPL providers that offers financing for laptops and other big purchases. With Affirm, you can get a loan for a new laptop up to $17,500 with repayment terms from 3 to 60 months.
How It Works
When checking out on a retailer’s website, simply choose Affirm as your payment option. You’ll be presented with different monthly payment options to pick from. Affirm doesn’t do a hard credit inquiry that dings your credit score. They may do a soft credit check, but it doesn’t affect your score.
Affirm approves applicants based on ability to pay back the loan rather than credit history. If approved, you’ll receive a loan agreement outlining your repayment terms, APR, and payment dates. You make your fixed monthly payments directly to Affirm.
Eligibility
- Available online at major retailers like Amazon, Walmart, Target, Lenovo
- No credit score impact
- No prepayment penalties
- Loans from $250 to $17,500
- 3 to 60 month terms
2. Zip (Formerly QuadPay)
Zip is another huge buy now pay later company that lets you split your laptop purchase into 4 interest-free payments over 6 weeks. Zip doesn’t do hard or soft credit checks as long as your order is under $1,000.
How It Works
When checking out online, select Zip as your payment option. You’ll instantly be approved or denied based on basic eligibility criteria like:
- Being 18+ years old
- Having a US bank account
If approved, your laptop purchase will be split into 4 equal payments taken from your bank account once every 2 weeks. You’ll be charged a maximum of $1 fee per order.
Eligibility
- Available at major retailers like Walmart, Target, Lenovo, Dell
- No credit check for purchases under $1000
- 4 payments over 6 weeks
- No APR interest charges
3. Klarna
Klarna is a popular Swedish BNPL company that offers flexible financing on laptops and other big ticket items. With Klarna’s Pay in 4 plan, you can pay for your laptop in 4 interest-free payments spaced out every 2 weeks.
How It Works
During checkout on a participating retailer site, choose Klarna as your payment method. Provide some basic personal info like name, address, date of birth. Klarna won’t run a credit check or impact your credit score.
If approved, you’ll receive a confirmation email with your payment schedule. Every 2 weeks for 8 weeks, Klarna will automatically charge one of your 4 equal payments to the debit card you provided.
Eligibility
- Available at top retailers like Lenovo, Microsoft, HP, Dell
- Pay in 4 – no credit check
- 0% APR
- 4 interest-free payments
- $7 max fee per order
4. Sezzle
Sezzle is a smaller buy now pay later company that offers interest-free installment plans on laptops and other purchases. With Sezzle, you can split your laptop purchase into 4 payments over 6 weeks with no credit check.
How It Works
At online checkout, select Sezzle as your payment option and provide your email, date of birth, and billing details. Sezzle won’t do a credit check.
If approved, your laptop purchase will be split into 4 equal installment payments every 2 weeks. Sezzle will withdraw the payments automatically from your linked debit card. There are no fees if you pay on time.
Eligibility
- Available at smaller online retailers
- No credit check needed
- 0% interest
- 4 payments over 6 weeks
- No fees with on-time payments
5. PayPal Pay in 4
PayPal’s Pay in 4 service allows you to pay for laptops and other purchases in 4 interest-free payments over 6 weeks. Pay in 4 doesn’t do a credit check as long as your order total is between $30 and $1500.
How It Works
When checking out on eligible sites, choose PayPal Pay in 4 as your payment method. PayPal will review your account activity rather than your credit score to approve your order.
You’ll pay your 1st payment upfront to PayPal. The remaining 3 payments will be automatically charged from your PayPal account every 2 weeks until paid in full.
Eligibility
- Available at merchants that accept PayPal
- No credit check for orders $30-$1500
- 0% APR interest
- 4 payments over 6 weeks
- Potential fees if late or returned payment
6. Opendorse
While lesser known, Opendorse is an emerging buy now pay later platform that offers transparent, credit-check free financing. With Opendorse, you can finance laptops and other big purchases in monthly installments for 6 to 24 months.
How It Works
Shop on Opendorse’s online mall, choose your laptop, and select a monthly payment plan at checkout. Fill out a short application with your personal and income details.
Opendorse will review your info and make an instant yes or no decision without affecting your credit. If approved, you’ll pay your monthly installments until your laptop is paid off.
Eligibility
- Shop Opendorse online mall
- No credit check
- Fixed monthly payments
- 6 to 24 month terms
- Transparent eligibility criteria
You may like to explore best to buy now pay later phones no credit check, and, cell phone no credit check financing
Key Takeaways
The buy now pay later services above make it easy to finance a new laptop without undergoing a hard credit inquiry. As long as you make your payments on time, BNPL can help grow your credit over time.
Just make sure to understand the repayment terms and any potential fees if you miss payments. Read customer reviews of the BNPL provider and retailer before choosing the right financing option for your next laptop.