The 6 Best Buy Now Pay Later Apps

BNPL (Buy Now, Pay Later) is a type of short-term financing that allows consumers to make interest-free payments at a later date to facilitate purchases. BNPL has grown in popularity in online shopping and has become one of the most commonly used types of finance. Today, you can shop more and take advantage of cost-saving financing options with buy now, pay later apps on a variety of websites, including Amazon, eBay, AliExpress, and other well-known popular shopping sites. You can install your purchases with BNPL in a few weeks or months, depending on your budget. We reviewed and listed the best Buy Now, Pay Later apps for you. Here are the best of the best!

Affirm: Buy now, pay over time

Price: Free

Affirm is a helpful app that allows you to shop without worrying about your next paycheck. The app offers BNPL in almost any store, as well as flexible payment options to accommodate users’ budgets. Affirm performs a credit check for users that takes about a minute and offers flexible payment options based on the user’s availability. The app, like Apple Pay and Google Pay, allows users to pay online or in person. 

Also, users can choose from a variety of flexible payment plans ranging from three to nine months, and Affirm does not charge any hidden or late fees. The app offers users special deals as low as 0% APR, allowing them to pay interest-free. Affirm allows users to pay in-app and tracks payments by sending emails. Visit Affirm’s website for more detailed information about the app.

Affirm: Buy now, pay over time on Google Play

Affirm: Buy now, pay over time on the App Store

Afterpay – Buy Now Pay Later

Price: Free/In-App Purchase: $4.99 for iPhone

Afterpay Buy Now Pay Later

Afterpay is a terrific app that allows you to shop for clothes, cosmetics, accessories, shoes, bags, household goods, and many other items, and it is one of the best buy now, pay later apps. The app gives users the ability to shop and pay at thousands of stores. Users can easily manage their payment plans and take advantage of interest-free payments with Afterpay.

The app allows users to make four separate payments and does not charge late fees if they pay on time. Afterpay notifies users of new retailers and offers mobile order management. Users can easily access their orders as well as all previous payments.

Afterpay – Buy Now Pay Later on Google Play

Afterpay – Buy Now Pay Later on the App Store

Also Read: The Best Budget Apps

Sezzle – Buy Now, Pay Later

Price: Free

Sezzle is a one-of-a-kind app that brings together over 47,000 brands, including many well-known, loved, and popular brands, and offers users deals and special discounts. The app enables users to add stores to their favorites, allowing them to quickly save and access their favorite stores.

Sezzle provides users with the most recent and special deals from the best brands, allowing them to save money in their favorite stores and contribute to their budgets. Sezzle lets users split their purchases into four payments at 0% interest over six weeks!

Sezzle – Buy Now, Pay Later on Google Play

Sezzle – Buy Now, Pay Later on the App Store

Zip (previously Quadpay)

Price: Free

Zip Previously Quadpay 1

Zip, previously Quadpay, is a BNPL app that facilitates payment for millions of online and in-store purchases. Users can pay with Zip in four easy installments over six weeks without lengthy application forms. Users can browse the app for locations where Zip is contracted, or use Zip at Visa-accepting merchants.

Users can easily keep track of their spending by viewing their transaction history in Zip. The app provides the ability to update and change account details, including payment method, and stands out among the best buy now, pay later apps.

Zip on Google Play

Zip on the App Store

Also Read: The Best Mobile Banking Apps

PayPal – Send, Shop, Manage

Price: Free

PayPal Send Shop Manage

PayPal is one of the best Buy Now, Pay Later apps due to its seamless integration of flexibility, security, and extensive user base, making it a go-to option for consumers and merchants alike. With PayPal’s well-established reputation for secure online transactions, users can trust that their financial information is safeguarded, which is crucial for any BNPL service. PayPal’s BNPL solution, known as Pay in 4, allows customers to split their purchases into four interest-free installments, easing the financial burden of larger expenditures and providing a manageable way to budget. This feature is particularly advantageous for consumers looking to make significant purchases without incurring high-interest charges typically associated with credit cards.

Furthermore, PayPal’s widespread acceptance across millions of online and physical retailers ensures that users can take advantage of BNPL options almost anywhere, enhancing convenience and accessibility. The app’s user-friendly interface and robust customer support further solidify its position as a leader in the BNPL market. Additionally, PayPal’s integration with its comprehensive suite of financial services, including digital wallets and direct bank transfers, offers a cohesive financial management experience that few competitors can match. This holistic approach not only simplifies the payment process but also provides users with a clear overview of their spending and repayment schedules.

PayPal – Send, Shop, Manage on Google Play

PayPal – Send, Shop, Manage on the App Store

Klarna | Shop now. Pay later.

Price: Free

Klarna Shop now Pay later

Klarna is a beneficial BNPL app that collaborates with retailers all over the world to offer a seamless shopping experience directly from their websites. Users can easily make purchases with the app by dividing them into four interest-free payments made every two weeks. Every day, the app provides users with special deals and discounts, allowing them to save money.

Users earn points for every purchase, and the app comes with a variety of rewards. Klarna is considered one of the best buy now, pay later apps because it offers up to thirty days of payment for domestic, international, online, and in-store purchases.

Klarna | Shop now. Pay later. on Google Play

Klarna | Shop now. Pay later. on the App Store

Written by Nisa Ozcelik


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