You can get a buy now pay later deal with bad credit via services like Affirm, Quadpay and Afterpay. These allow consumers to spread out their payments on a purchase over weeks or months. Please note that these companies charge interest rates ranging from 0% to 30%.
They will run a soft inquiry of your credit and decide whether or not to approve you for a loan amount that matches the price of the item you're buying.
Keep in mind that your loan and payments will affect your credit score. So paying on time can help you build a positive credit history.
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