15 Best Buy Now Pay Later Apps in 2023

You can now split your purchase into small instalments with absolutely no interest using these Best Buy Now Pay Later Apps in 2023.

Among different payment schemes that have become famous over the passing years, Buy now, pay later is one of them. More retailers are now offering similar Buy now, Pay later payment plans in the market.

It depends on the app whether you can use plans online or in stores. There are even some retailers who offer multiple plans during the checkout process.

Buy Now, Pay Later Apps At Glance:

We have listed a few best buy now pay later apps in 2023 available in the market, a detailed comparison of each one of them is provided so that you can choose the one fit for you.

LogoAppCheck out
AffirmLearn More
SplititLearn More
KlarnaLearn more
AfterpayLearn more
Apple Pay LaterLearn more
PayPalLearn more
ZipLearn more
perpayLearn more


Affirm offers no-interest and no-fee pay-in-four plans and is one of the best options for buy now, pay later apps. APRs can reach 30% for monthly payment plans. With Affirm, you can choose from a wide range of BNPL plans, including a standard pay-in-four plan and a monthly payment plan. Amazon, Walmart, Pottery Barn, and Best Buy are some of its major partners.

Affirm Buy Now Pay Later Apps

There is a possibility that Affirm will conduct a soft credit check, which won’t affect your credit score. As well as your credit utilization, your current debts and income, and any bankruptcies, it may take into account your previous Affirm payment history.

Affirm also offers cash back on purchases. For big-ticket items like furniture or exercise equipment, Affirm could be a great choice with 0% APR loans since it helps you avoid paying the entire cost upfront.

How to buy with Affirm

Moreover, Affirm gives you $30  as a Sign Up bonus on opening a new account through your credentials. Here are the steps to redeem your Sign Up bonus through Affirm using our referral code.

Buy Now Pay Later Affirm

How to redeem the Sign Up Bonus on Affirm:

  • If you’d like to download the Affirm app on iOS or Android, you can do so by clicking this link.
  • Get a $30 welcome bonus by entering the Affirm referral code “XYZ”.
  • Provide the credentials and get done with verification and other given requirements.
  • Your account will be credited with a $30 Affirm bonus after your first purchase has been completed.

Read more about,

  • Affirm review
Affirm ProsAffirm Cons
Loans with no interest are available.Interest may be charged on monthly payment plans.
No feesPayment cannot be rescheduled.
Credit reports are included in some loans.Customer service is not available by phone.


Splitit is one of the best choices for people who do not want to have a loan under their credit card history and are responsible with their paychecks. Their innovative payment solution allows shoppers to earn rewards from their credit cards, choose how much they want to pay each month, and gain more control than traditional “buy now, pay later” providers.

Splitit Buy Now Pay Later

When Splitit is used, shoppers will only be charged for the first payment after the retailer confirms shipment. Until the final payment is made, the remaining balance will be held on the credit card.

Buy Now Pay Later for consumer

Splitit is a good buy now, pay later option if you have the money to pay off the purchase on time. In the event of a balance or missed payment, you won’t be charged any additional interest or fees.

Read more about,

  • Splitit review
Splitit ProsSplitit Cons
There is no tedious application process.Payments cannot be made with debit cards
There is no credit check.There are a limited number of merchants.
It charges no interest or fees.Fees and interest may be charged by the credit card issuer

How to Sign Up on Splitit:


An installment plan on buy now, pay later from Klarna allows you to spread a purchase over four equal payments. Shoppers can pay for an item after 30 days after it has shipped using the Pay in 30 programs. With Klarna, you can also finance your purchase with a monthly payment plan for up to two years. 

Klarna offers several payment plans, including a pay-in-four plan and a monthly financing option. Among the major retailers that carry Klarna are Macy’s, Etsy, Foot Locker, and Sephora. 

Credit information will be pulled by Klarna. The decision to approve your purchase is based on your bank account balance, your history with Klarna, and the amount you plan to purchase.

Find out more about,

  • Klarna review
Klarna ProsKlarna Cons
Loans with no interest are available.Late fees are charged.
You will also have access to a rewards program.Building credit is not an option.
A variety of customer service channels are available.There is no way to stop automatic payments.

How to get $30 Klarna Sign Up Bonus:

Here are the steps you need to take to join Klarna.

  • Download Klarna, available on google store or iOS.
  • To install, you will need to enter your email address on the landing page 
  • If you wish to register for Klarna, you should use the same email address you use for your other accounts.
  • Sign up for Vibe Rewards Club in the app for free.
  • Your $5 Amazon Gift Card will be unlocked once you’ve made one Vibe payment.


The Afterpay service offers users the option of paying in four installments or monthly installments. It works with companies such as Bed Bath & Beyond, Old Navy, Nordstrom, and Gap.

First-time users may be subjected to a soft credit check by Afterpay. Additionally, Afterpay may consider your debit or credit card balance, your usage history, the purchase price, and whether you have other Afterpay loans outstanding when approving your application.

Pay-in-four plans offered by Afterpay do not charge interest. You can choose between 0% and 35.99% APR for its monthly plans.

Afterpay ProsAfterpay Cons
Loans with no interest are available.Late fees are charged.
When a payment is missed, the account is paused.There is no option for credit building.
A rewards program is included.Customer service is poor.

Apple Pay Later

Any merchant who accepts Apple Pay has the option to offer a pay-in-four plan. Apple Pay Later can be applied for in the Apple Wallet. In addition to conducting a little credit check, Apple will also conduct a hard credit check. Other criteria for approval have not been released by Apple. 

When you use Apple’s Pay Later service, you don’t have to pay interest, along with that, no late or payment fee is charged.

Know more about Apple Pay later here,

How to Sign Up on Apple Pay Later:

Apple Pay Later requires a new application for every purchase made using the service. 

By applying at the checkout or in the Wallet app, you can set up Apple Pay Later.

  • When checking out on your iPhone or iPad, select Apple Pay.
  • You can pay later by tapping the Pay Later tab and then clicking Continue.
  • Apple Pay Later loans can be applied for by following the onscreen instructions. 
  • Once you have confirmed your personal information, click Agree & Apply.
  • You will be asked to review the details of your loan agreement and payment plan. Once done, click Agree & Continue.
  • Follow the onscreen instructions after you select or add your debit card.
  • You can confirm your payment using Face ID, Touch ID, or your passcode by double-clicking the side button.

These apps can earn you $1000 per day and give you a $50 welcome bonus or more.


Pay-in-four plans and monthly payment options are available through PayPal. Online and in PayPal’s mobile app, you can buy now, pay later at selected retailers.

Several major retailers, like Walmart, Home Depot, and Best Buy, offer PayPal’s “buy now pay later ” payment plan. Zero-interest instalment plans allow you to spread out your purchase over a number of months.

This plan is similar to those offered by Sezzle and Afterpay, two other BNPL companies.

Read more about PayPal here,

  • PayPal review
Afterpay ProsAfterpay Cons
Loans with no interest are available.This item can only be purchased online.
There are no fees for payments.There is no option to reschedule the payment.
For eligible purchases, purchase protection is included.Hardship programs are not available.

How to Redeem PayPal Sign Up Bonus:

New PayPal users can take advantage of PayPal’s referral program. Join PayPal with my referral link and receive a $10 bonus deposited into your account. Additionally, you can earn $50 by inviting your friends.

In order to redeem the promo code, follow these steps:

  • Click Get Started on PayPal’s website
  • Choosing a personal or business account and selecting a country is the first step.
  • Then you need to confirm the number on your mobile device.
  • After that, you are all set to have your account and bonus redeemed.

Are Buy Now Pay Later apps safe to use?

Yes, Buy Now Pay Later apps are generally safe to use. They each have security measures in place to protect customer data. However, it’s always important to review any app’s privacy policy and terms of service before use.


We have provided details to some of the best Buy Now, Pay Later App in 2023 that can provide you loans from top financial technology providers. 

These providers offer features without any interest or consultant fees, along with some of them providing cashback offers too.

Check and verify with the website before choosing the app that fits your interests. 

Buy Now Pay Later Apps FAQs:

Which app can I use for buy now, pay later?

Hundreds of apps allow you to buy now and pay later including Affirm, Afterpay, Klarna, PayPal Pay in 4, Sezzle, Splitit, and Zip. They mostly let you buy up to 4 installments within 6 weeks as a repayment period, but some extend repayments up to 24 and 36 months for monthly payments.

What is the best pay after app?

Different apps are best with various highlighting feature such as,

Affirm – Best Overall

Sezzle — FLexible Payment plans

Afterpay — Best for students

Splitit — No credit check

Is Zip pay safe?

I agree. The Zip service does perform a credit check. The Zip Pay and Zip Money applications include credit checks and real-time bank verifications.

How do I use PayPal with 4 pay?

Take advantage of the current sale. Make a payment later.

  • When checking out, choose PayPal. Before selecting a payment plan, click Pay Later.
  • In just seconds, you’ll have a decision. You can choose your payment plan based on your budget.
  • Complete the remaining payments. You can pay online or in the app with the ease of autopay.

How to use cash app buy now pay later?

Cash App’s Buy Now Pay Later Apps (BNPL) feature gives users the flexibility to split eligible payments over time with no interest or fees. read Here is a step-by-step guide on how to use this feature.

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