15 Best Sites Like QVC With No Credit Check

Quality Value Convenience (QVC) is a leading multi-channel platform that offers televised shopping services showing live retail programs all day long.

The Pennsylvania-founded corporation has been in existence since 1986, and has become a huge virtual shopping center offering a wide variety of products.

QVC started its online commerce in 2007. It then became a success due to the broad categories of products it offered. The products included shoes, jewelry, clothes, home electronics, and beauty.

QVC uses a branding strategy of a react-engage scenario, where a salesperson tells a story about a product live while engaging with a shopper in real-time.

This strategy has put QVC ahead of other platforms as it allows shoppers to react and share how they feel about the product instantaneously.

Money is a crucial aspect for everyone and sometimes you need alternatives to save more or just try something new. Sometimes getting alternatives to QVC can be limited by the unfamiliarity of what more is offered or simply lack of interest. The great news is that QVC is not the only BNPL platform (Buy Now, Pay Later) that you can explore.

Now that you understand what QVC is, let’s quickly jump into a comprehensive analysis of the best sites that are excellent alternatives to QVC.

Best Sites Like QVC With No Credit Check

1. Fingerhut

Fingerhut is an online retailer that offers a one-time purchase program that translates to a traditional credit account. Fingerhut offers an easy payment plan just like QVC and is one of the best online stores that give you exciting options.

With Fingerhut, you can get the credit you deserve, shop with low monthly payments, build a new credit history with every purchase, and make three on-time payments to get an increase on your credit line. With Fingerhut’s traditional credit account, you can shop whenever you like and to your credit limit.

If you are just starting, Fingerhut offers Fresh Start, a program meant to guide your new journey. Fresh Start allows you to make a one-time purchase. Fingerhut is a great option if you’ve been rejected from other platforms due to a poor credit score.

2. Afterpay

Afterpay is a Fintech company that enables you to buy services and pay later. The Australian-made platform has an international outreach so whether you are from America, Canada, Australia, or any other place, you can buy now and pay later for your purchases without fees or interest.

Afterpay entered the American market in 2018. By 2020, Afterpay gathered over five million users and this rise makes it an interesting concept. Afterpay offers a range of products from over 80,000 retailers who serve as distributors.

The Afterpay payment procedure is slightly different from QVC as it has a specific schedule designed for payments; so, you shop as usual and then choose Afterpay as a payment method when checking out.

Afterpay allows you to make an installment every two weeks. This makes it slightly more expensive than QVC. But you don’t have to worry about interest as at the end of the day, your payments will be cleared.

3. FlexShopper

FlexShopper allows you to lease a product for a year, and pay small installments per week, after which the product becomes yours.

The app is available for download on Google Play and the App Store and you can get started with FlexShopper in minutes. When you apply online to get started, you can get approval within seconds and get a spending limit of up to $2,500.

Its model is slightly different from that of QVC as it gives you a chance to try out a product before you can commit to buying it. It can also be good if you cannot afford the full price of a product.

With FlexShopper, you can lease furniture, jewelry, electronics, appliances, and much more. The app is only available in the US, meaning if you live elsewhere you cannot use the app.

Explore the best platforms like Flexshopper here.

4. Affirm

Affirm was founded in 2012 by Max Levchin, who also co-founded PayPal. Affirm is a Fintech firm that is publicly traded and offers deals on items such as mattresses, electronics, and travel. Headquartered in San Francisco, California, Affirm is web-based and works freely on its downloadable app.

Affirm allows you to pay at your own pace. There are no hidden charges, no late payment fees; you always know what you owe and when you’ll be done with the payment. Affirm even has a special category for black-owned businesses and its credit limit goes up to $17,500.

Affirm offers a payment plan that allows you to pay in four installments every two weeks. The payments are easy and can be automated.

You can also schedule monthly payments and worry less about hidden charges or late payment fees. However, monthly installments attract interest charges. The monthly payment can go up to 48 months of repayment, but the APR will range from 0-30%.

Affirm is a better alternative to QVC and credit card shopping as it does not run any credit checks, so you don’t have to be worried about your credit card score. Affirm offers a chance to break from bad spending habits, and their eligibility check cannot affect your credit score.

Check out the best companies similar to Affirm.

5. Perpay

Perpay splits your purchase into 12 interest-free monthly payments. Perpay has a sole mission of making everyday purchases more accessible while building your credit and giving you a chance to shop from over 1000 brands.

The Philadelphia-based fintech company does not run hard credit card checks; therefore, at no point will it affect your credit card score.

To get started with Perpay, you need to pay a partial deposit to their account. Perpay then garnishes the remaining monthly installments from your paycheck.

Unlike QVC, Perpay does not accept credit cards and debit cards, it doesn’t serve buyers with active bankruptcies but serves employed users with an annual salary of $15,000 and above.

Perpay does not charge interest or late fees. It draws its deposits from deposits and service fees that it charges you on its networks. It is worth considering as it does not affect your credit score.

6. Best Buy

Best Buy gives you access to a wide range of products at competitive prices. Unlike QVC which gives you a return window of 30 days, Best Buy allows you to return products you are not satisfied with within 15 days.

Best Buy is a cost-effective way to acquire electronics. The platform allows you to make 3-12 monthly installments at a 0% interest rate for repayments done within 90 days.

Best Buy gives you a loan ranging between $149.99 and $4,000. Some states will charge you $59 to process your Best Buy buy now pay later transactions.

If you have a subpar credit score to finance high-ticket purchases and also increase your creditworthiness, then Best Buy is an excellent option for you. Best Buy can report positive repayments to help boost your credit score. By giving you 3-12 months to pay off your loan, Best Buy eases the burden on your finances.

7. Credova

Credova is a BNPL platform that gives a variety of options to people with bad credit to redeem resources. Credova offers loans, debt consolidation, and credit counseling.

Also known as the buy now pay later leader for all things adventure, Credova can approve you for $5,000 without running a hard credit check.

Credova does not affect your credit score and allows you to pay for your high-ticket purchases in four phases that do not attract any interest. It helps you get funding for life’s little emergencies and adventures.

Through this platform and some integrated API solutions, users can access a network of financing solutions for purchases with frictionless checkout. Just like QVC, Credova allows users to experience a lift in sales volume and average order value.

8. Splitit

Like QVC, Splitit has mastered enhancing the buying power of users through installment payments. Splitit has no interest and neither does it run hard credit checks on users.

Once you set up Splitit, you can immediately start shopping with any brick-and-mortar retailer that accepts Splitit.

Splitit comes in at the end of your shopping and all you need to do is select it as a payment mode at the checkout page. You’ll be asked to key in the amount you wish to pay and the installments you wish to make.

Your first installment is normally charged to your card immediately while subsequent payments will be automatically charged on a date of your choice. The app also allows you to make manual payments at any given time.

The good thing about this platform is that you don’t have to reapply each time you want to make a purchase. As long as you have credit, you can use the app repeatedly. Splitit has first-class security features and does not store any credit card information on its servers.

9. Shop LC

Most sites offer choices over various categories of goods. However, Shop LC is a bit selective. The platform focuses on items such as home decor, and women’s and men’s accessories.

It is one site that can help you get products from time to time and provides flexible payment plans just like QVC.

Shop LC is one of the sites that throw engaging auction-based sales from time to time. It offers a friendly user experience and interface while focusing on offering quality information.

Shop LC offers a 30-day return policy on purchases that did not satisfy you. With the policy, you can conveniently return the product and get your money back. Their auction section offers products from as low as $1, therefore, make sure you keep an eye on this section.

Explore: Best Apps Like Chime Bank

10. Sezzle

Sezzle is a stress-free solution to your financial freedom. Sezzle, like QVC, allows you to buy something even if you don’t have the money upfront. The purchase is made over four interest-free installments that you should clear within six weeks.

Sezzle is quick and easy. The approval is instant and allows you to shop from over 47,000 brands with zero impact on your credit score. The Minneapolis-based financial solution is linked to your debit or credit card and automatically honors your scheduled payments.

Currently, Sezzle is available at selected stores both in-store and online. If you wish to use Sezzle during your physical shopping, you will be required to scan QR codes at the register to use Sezzle.

You can get a decent spending limit with bad credit. Sezzle also allows you to boost your bad credit through repayments, and for you to get started your first deposit should be 25% of the total value.

Late payments attract a 10% fee for every defaulted transaction with a two-day grace period. Sezzle works best if you want to avoid interest debts and fees, and can be excellent for building your credit without taking on more debt.

Discover the best alternatives to Sezzle here.

11. Overstock

We all love saving money while shopping whether online or in-store. Overstock is one of the top sites like QVC that has an easy payment plan and helps you discover superior brands and home items at the lowest prices.

Part of what you find via Overstock is manufactured specifically for the company, and among their products are handmade goods produced by workers in developing countries for Overstock.

Overstock is a reliable and legitimate website with a vast selection of products and can be a good choice for anyone looking for a particular product from a specific major retailer. Many users like Overstock because it features affordable prices, a loyalty program, and a money-back guarantee.

Naturally, a low-cost product will attract many customers. Overstock offers free shipping for orders over $50. Overstock is one of the best sites that provides beneficial information to customers. It continues to acquire a lot of attention from consumers because of its unique products and irresistible offers.

12. Midnight Velvet

You can find a wide selection of women’s jewelry, fashion, shoes, home décor, and so much more on Midnight Velvet. Midnight Velvet was founded in 1987 with the sole purpose of creating a shopping experience that invites users to immerse themselves in a world of dramatic fashion and unique home décor.

Midnight Velvet is your VIP pass to your confident best. Their buy now pay later option gives credit to hundreds of people per year with a bad credit score.

Applying for Midnight Velvet credit is simple. If you are working on rebuilding your credit you can be sure to do so with consistent and timely payments.

What attracts customers to Midnight Velvet is its user interface and user experience. The site uses SSL technology when transmitting credit card credentials over the internet for your peace of mind and protection.

Just like QVC, Midnight Velvet caters to a wide range of products and is easy to get started with. Simply shop for the look you love, check out with Midnight Velvet credit and get an answer fast for a few quick questions.

Midnight Velvet makes you shine in the embellished look you love. It approves your request fast, without hidden fees or big-bank hassles, and offers low payments from as low as $20 per month. It also increases your credit limit with timely payments and guarantees you secure checkouts and online account management.

13. Seventh Avenue

Seventh Avenue is yet another site like QVC with an easy payment plan that offers a great user experience and user interface for online shopping. Seventh Avenue makes it easy to get what you want from home décor to amazing fashion.

The website has everything you need. From grillers for your kitchen to patio sets, furniture, and bed and bath products.

The Seventh Avenue model echoes QVC to allow you to go shopping first, then when checking out, you can open a credit account to start the approval process.

To apply for Seventh Avenue credit you to select it when placing your first order and leave the rest to the team. If more information is needed, their team will give you a call.

Seventh Avenue also allows you to shop for gifts for every occasion. Seventh Avenue does not report to credit bureaus, therefore, you cannot build your credit using this card. It is a great card if you have a fair credit score.

Also Read: Best Worthpoint Alternatives

14. Zip

Formerly known as QuadPay, Zip is a BNPL platform that allows you to pay in four installments, interest-free over six weeks.

Zip works closely with thousands of retail partners to offer a better way through which customers can pay. Zip does not run hard credit checks, hence has no impact on your credit score.

Over 20,000 online stores use Zip. Among these stores are Amazon, Walmart, Target, Best Buy, eBay, and StockX. It takes you only 10 minutes to integrate Zip. No APIs are required and you can use them anywhere to book a trip, pay bills, buy groceries, and shop in-store or online.

Zip is based in New York and only serves Americans with no international outlook.

It is a platform that honors Federal KYC rules and to avoid being associated with money laundering schemes, you will be asked to provide your official name, date of birth, email address, United States address and mobile number, and the last four digits of your SSN or other government identification.

Zip doesn’t charge interest rates but if you delay your payment by a week, you will be required to pay $7 in late fees. If your delay goes beyond seven days, the late fee goes up by $14 and does not accumulate past that.

The great news is that Zip does not run hard credit checks, and does not report your lending to a credit bureau, hence you can avoid shopping with your credit card and improve your credit score gradually.

15. PayWithFour

PayWithFour is an exciting app like QVC. PayWithFour allows you to shop at any partnering store and pay using your phone. Aside from saving you the hassle of carrying around cash or waiting in line, the platform allows you to shop and pay later with zero interest.

With four payments, PayWithFour makes it easier to afford emergencies or unexpected offers. You can make your payments through the app, available on Google Play and App Store.

PayWithFour does not run hard credit checks, so you can rest assured that your credit scores will not be affected. It is more cost-friendly compared to QVC, and only earns by distributing through retailers.

Merchants and retailers benefit from PayWithFour as it allows them to access a customer base that they wouldn’t get if they were on their own.

PayWithFour is available in the UK, US, and Canada and is best for lifestyle shopping for fashion, pets, jewelry, and accessories. It gives instant approval and exciting features such as a shopper portal that can help you manage your orders and payments and discover new stores.

Final Thoughts

The websites we just listed are the best alternatives to QVC. Every platform has its unique pros and cons. The sites offer user-friendly payment methods; the different credit choices and buy now pay later options are perhaps the main reasons why customers prefer these sites.

FlexShopper is best if you are not ready to commit yet, Afterpay works best for students while Perpay is suitable for users with bad credit. Overall, Affirm is the best alternative as it gives you better payment options.