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  • Alex Wright

Shop now pay later with zero credit checks


Staring at the price tags of items and wishing your bank account would just magically receive an influx of a fortune is a universal longing. This feeling is so common and pressing that most of us view window shopping as a socially acceptable activity/ pastime! However, with the advent of technology and payment services, we are entering a new era where your bank balance need not dictate when you spiral into a shopping spree. If this excites you, then you are a part of the primary target audience of the BNPL system.


Rethink your shopping experience


One of the major selling points of the BNPL service is the extent to which it has transformed the shopping experience of its users. Under the buy now pay later with no credit checks system, you can own your beloved item of clothing or that expensive perfume without a hefty payment. A small down payment for the product and the rest is paid to the retailer by the BNPL lender. This has added incredible convenience to the shopping process, so shoppers no longer have to dread buying an item that would have otherwise been seemingly out of their budget.


BNPL apps discovered a major flaw in the transactional credit system: the lack of access to it. This means that a large user base used to remain undiscovered to eCommerce retailers purely because of unaffordability. However, this mechanism is redefining online shopping by providing shoppers with the opportunity to buy products through easy, interest-free EMIs. A mere verification of your profile on a buy now pay later with no credit checks website/ app will open up a world of luxury to you.


Pay on your terms


An added benefit of the buy now pay later with no credit checks mechanism is the flexibility offered in the repayment schemes. Spread over easy installments devoid of any extra charges (except in case of default), such services are setting a new level of convenience in the fintech market. Some of the factors to be considered in the repayment schemes include:

  • The recurrence period of the payment (such as biweekly, weekly, monthly, lump sum, etc.)

  • The mechanism through which you will be making the payment (like credit cards, debit cards, bank transfers, etc.)

  • The mode of the transaction (either manual or automatic)

Why your credit score can no longer hold you back


For the longest time, a large portion of the population has remained cut off from the formal lines of credit due to the intense bureaucratical procedures involved. This, coupled with low bank balances, has often deterred people from spending on themselves. However, BNPL apps offer their services to users without conducting an intricate credit check. Their core demographic consists of users who do not possess an established credit score. While this does not mean that there are no eligibility criteria, it does bring about ease of setting up your profile and offers a convenient alternative to formal banking procedures.


Instead of analyzing users' credit scores to provide them with a lending limit, BNPL apps often use income limits and other such parameters to gauge the extent of credit to be granted to the user. So, how do you set up such an account so that you, too, could avoid the hassles of formal credit and buy your favorite products whenever you want? Here are the steps:

  • Head over to the official website of the BNPL service or directly download their app onto your phone. You may even use the plugin provided on the eCommerce site you shop from.

  • Set up your profile through the provision of some rudimentary details, and complete the OTP verification process.

  • Choose the repayment scheme that is convenient for you, and connect the necessary accounts for the payments to take place.

  • Shop to your heart’s content without paying a dime, and enjoy your shopping experience!

Whether you want to pay later for a memorable vacation trip or buy now pay later for electronics, you have a plethora of options to choose from. The market is witnessing a massive boom in the number of BNPL apps and an introduction of such features by credit card companies and online store owners. This means that the future holds up-and-coming prospects for the buy now pay later system. If you wish to receive a front seat while this movement takes the world by storm, then all that is left to do is sign up for your own account and get started with a renewed gusto for shopping. Now, you need not fret over your credit history or your bank balance but simply allow yourself to receive an immersive experience.

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