While most BNPL plans require a small initial payment at checkout (usually 25%), there are specific options geared toward bad credit or zero upfront costs.
Looking for ways to shop now without the upfront cost? Many Buy Now, Pay Later (BNPL) services offer a "pay-in-four" model that typically skips the hard credit check, making them accessible even if your credit score isn't perfect.
Buy Now, Pay Later (BNPL): What Is It, How Does It Work? - CNBC