“Buy Now, Pay Later” (BNPL) apps have become super popular for splitting purchases into smaller payments—often with 0% interest (if paid on time). Here’s a list of top BNPL apps and what they offer:
🛍️ Top Buy Now, Pay Later Apps
1. Affirm
- 🛒 Partners with stores like Walmart, Target, Peloton
- 📆 Pay in 4 (biweekly) or monthly over 3–36 months
- ✅ No late fees (but interest may apply on longer terms)
2. Afterpay
- 📆 Pay in 4 biweekly installments
- 🛒 Big with fashion/retail brands (e.g., Urban Outfitters, Sephora)
- ❌ Miss a payment? You may be charged a late fee
3. Klarna
- 🛍️ Used at stores like Macy’s, H&M, and Nike
- 💳 Pay in 4, or finance over 6–36 months
- 🛡️ Offers a “Pay Now” or “Pay Later” option at checkout
4. Sezzle
- 💡 Focused on budget-conscious shoppers
- 🔁 Split into 4 interest-free payments
- 📈 Option to build credit with “Sezzle Up”
5. Zip (formerly Quadpay)
- 💸 Pay in 4 over 6 weeks
- 💳 Works anywhere Visa is accepted using a virtual card
- 📱 Available in-store and online
6. PayPal Pay in 4
- 🌍 Use anywhere PayPal is accepted
- 🕒 4 biweekly, interest-free payments
- 🔒 Built-in PayPal protection and ease of use
7. Apple Pay Later (iPhone users only)
- 💳 Split Apple Pay purchases into 4 equal payments over 6 weeks
- ✅ No interest or fees
- 📲 Built into Apple Wallet
🔍 Things to Watch Out For
- Missed payments = late fees and potential credit score hits
- Not all purchases are eligible (especially high-value items)
- Interest may apply on longer-term plans
