Whether you’re in a bit of a tough financial spot or just waiting for your next paycheck, making purchases that you need immediately can be tricky. Credit cards are the standard go-to options for buying the things you need now and paying later, but getting them can be a difficult decision and a complicated process. For casual purchases or one-time large purchases, you may want to look into a buy now pay later payment plan for online purchases. Some of them don’t even require a credit check, so you’ll avoid the credit hassle and spend less money on credit card annual fees. There are many different options depending on the store such as the Amazon Bill Me Later feature or Walmart’s PayPal Credit payment options. Other financing programs like FuturePay allow you to purchase Ecertificates for immediate use at many different retailers, but you pay them off in smaller, monthly payments.

Everyone wants to dress well, but buying all the latest clothing styles can really add up, especially for those that prefer certain brands. Plenty of clothing brands or department stores have their own instant credit programs that are worth looking into, especially if you tend to shop at a certain store for all of your clothing needs and accessories needs like jewelry and shoes. Sometimes these programs even come with special rewards and discount incentives as well. Or you can use outside buy now pay later options like Affirm and FuturePay to get this season’s fashions in your closet faster.

In our tech-centered world, it’s hard to be without a smartphone or computer. The most up to date electronics and home appliances can also really put a huge dent in your funds, so setting up a payment plan is often essential. Some bigger stores and brands like Best Buy and Apple have their own phone, TV, appliance financing or computer financing, but if you have bad credit there are still ways to get the electronics you need with no credit check. You can even lease to own electronics with no credit required, and this can sometimes make it even easier to trade in your outdated electronics as the industry continues to develop new products.

Similar to electronics, furniture can be another major but often necessary expense, especially if you’ve recently moved or just want to make your home beautiful. Some major furniture stores do not require credit or a credit check for their special financing, and some of them allow you to pay over the span of multiple months or even defer payment so you can pay next year. As long as you read all the fine print and follow the guidelines and monthly payments properly, you’ll be glad you split up those costly bills into more manageable payments.