Merit Platinum is no longer being offered. Since Merit does not report to any credit bureau, we are not recommending it for rebuilders. Below are alternatives to consider.
Boost Platinum
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The Boost Platinum is Merit Platinum's replacement. It has the exact identical features, fees and rates as the Merit Platinum. Just be aware that like Merit, Boost Platinum does not report to any credit bureaus.
Sezzle
Sezzle is a Buy Now Pay Later app and is a great alternative to Merit Platinum because:
- Sezzle reports to all three major credit bureaus whereas Merit Platinum does not
- Sezzle has no fees whereas Merit Platinum charges quite a hefty monthly fee
- Sezzle has over 48,000 merchant partners including Amazon and Target whereas Merit Platinum has limited unbranded products at their proprietary online store www.thehorizonoutlet.com
- Like Merit Platinum, Sezzle has no credit checks
- Like Merit Platinum, you pay 0% APR for your Pay-in-4 installment option
- Get Sezzle now and shop at Amazon on Prime Day
Read our review of Sezzle here.