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If you use Buy now, pay later sensibly it could improve your credit score, assuming you use a Buy now, pay later scheme that reports to credit reference agencies - and crucially by repaying on time. The Apple Pay Later loan is a viable option for people who are okay with a soft credit check, which does not impact your credit score. Flexible payment options. Affirm - Best for No Fees. This publicly-traded fintech firm offers BNPL deals on big-ticket items like mattresses, electronics, and travel. Enter a few pieces of information for an instant decision. Buy Now Pay Later Payment plans that match your pay dates. Used cars are currently the most expensive items on the planet, so make sure you're getting a good one. One of the most common mistakes people make is neglecting to che. Depending on the installment agreement, you can expect financing options like 0% APR for 24 months or 20% down with a standard. Are you in the market for a new apartment, but worried about your credit score? 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