Best BNPL for Bad Credit 2025: Guaranteed Approval Options

BNPL apps that approve users with 500 credit scores, bankruptcy, and no credit history.

🎯 Best BNPL for Bad Credit

  1. Denefits — 100% approval, NO credit check
  2. Sunbit — 85% approval rate
  3. Zip — High approval, shop anywhere
  4. Sezzle — Lenient approval

🏆 Bad Credit BNPL Rankings

BNPLApprovalCredit CheckBest For
Denefits100%NoneHealthcare
Sunbit85%SoftAuto, dental
ZipHighSoftAnywhere
SezzleMedium-HighSoftGaming
AfterpayMediumSoftFashion

🔓 No Credit Check Options

Denefits: 100% Guaranteed Approval

  • ✅ NO credit check at all
  • ✅ 100% approval rate
  • ✅ Approves bankruptcy, collections
  • ⚠️ Healthcare only, 20-30% down
Read Denefits Review →

📊 BNPL with 500 Credit Score

These apps frequently approve users with credit scores under 580:

  • Denefits: No minimum (no credit check)
  • Sunbit: No minimum required
  • Zip: Often approves 500-550
  • Sezzle: Lower scores with small limits

💡 Strategy for 500 Credit Score

  1. Start with Zip or Sezzle
  2. Make small purchases ($50-100)
  3. Pay on time to build history

✅ Application Order

  1. First: Zip
  2. Second: Sezzle
  3. Third: Afterpay
  4. Healthcare: Sunbit → Denefits

Ready to Apply?

Apply Now →