Available at major retailers like Target and Walmart , Affirm offers a "Pay in 4" option that does not impact your credit score and has no minimum credit requirement.
If you cannot get approved for standard BNPL, lease-to-own programs are designed specifically for those with poor credit or no credit history.
Known for flexibility, Klarna uses its own algorithm to determine spending limits based on your relationship with the app rather than traditional credit scores.
This provider uses a soft credit check that won't ding your score and is a common choice for those with limited credit history.