5 Buy Now Pay Later (BNPL) Apps in 2024

Buy Now Pay Later (BNPL) apps have gained popularity in recent years because they provide consumers with an easy way to make purchases.

The BNPL app allows users to divide the cost of their purchase into four equal payments, where the first payment is due at check out, and the remaining payment is due every two weeks. 

Buy Now, Pay Later (BNPL) apps also offer a flexible financing option by allowing people to spread out the cost of their purchases over several installments.

Through this article, we will tell you about 5 Buy Now, Pay Later (BNPL) Apps like Klarna, Afterpay, Affirm, and many more that you can use as per your needs. So, Let’s start. 

Suggested: How to Pay Later on Temu.

5 Buy Now Pay Later (BNPL) Apps

 A list of 5 Buy Now Pay Later (BNPL) apps can be found here:

1. Klarna

The Klarna app is a buy-now, pay-later service that allows shoppers to break down their purchases into small, interest-free payments. With Klarna, you can take advantage of multiple payment options, including a pay-in-4 option and flexible financing.

  • Approval Process: The approval process is based on observing a positive repayment history with Klarna as well as a soft credit check.
  • Payment Plans: There are several payment options available with Klarna, including Pay in 4, Pay in 30, and monthly payments.
  • Interest & Fees: There are no interest charges or other fees associated with Klarna’s Pay-in-4 and 30 plans. The Klarna monthly payment plan charges 0% to 29.99% APR. There will also be a late fee of up to $7 for late payments.

Also Read: Temu Referral Code.

2. Affirm

Affirm is a great buy now, pay later (BNPL) app that allows shoppers to pay for their purchases over time with smaller, monthly installments. You can pay for purchases with Affirm conveniently and flexibly. Additionally, it is a good option for shoppers who want to improve their credit scores.

  • Approval Process: The approval process involves a soft credit check without affecting credit scores. It takes account of the payment history, the length of the account, the credit utilization, and the income of the customer.
  • Payment Plans: Affirm offers a variety of payment plans. It offers a pay-in-four option, which is due every two weeks. It is also available with 3, 6, and 12-month repayment plans. There may also be longer payment plans of up to sixty months available.
  • Interest & Fees: Affirm charges no late fees or prepayment fees when the APR ranges from 0% to 36%.

Also Read: How to Get Free Stuff On Temu.

3. Afterpay

Afterpay is the Buy Now Pay Later (BNPL) app that allows shoppers to make interest-free payments over six weeks. With Afterpay, you can pay in four installments or monthly.

  • Approval Process: A soft credit check is performed, and the account history is evaluated.
  • Payment Plans: Afterpay offers four equal interest-free payments spread over six weeks or monthly plans of six or twelve months. At checkout, the first payment is due, followed by payment every two weeks.
  • Interest & Fees: Payments made on time with Afterpay are not subject to interest charges. But, in case you miss a payment, it charges up to $8 for late fees. The company offers monthly plans up to 35.99% APR.

Also Read: How To Buy Temu Stock.

4. Apple Pay Later

Apple Pay Later is the company’s new buy now, pay later (BNPL) service that allows customers to spread their payments over four equal installments. Most apps and websites that accept Apple Pay allow users to pay later with their iPhone or iPad for eligible purchases up to $1,000.

  • Approval Process: The approval process consists of a soft credit check without a minimum credit score requirement.
  • Payment Plans: At checkout, payments are divided into four equal installments.
  • Interest & Fees: Apple Pay does not charge interest or fees. Also, it does not charge late fees. 

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5. PayPal

The PayPal Buy Now, Pay Later service allows customers to make smaller payments over time. A wide range of online and in-store retailers offers the program.

  • Approval Process: A soft credit check and an analysis of the account history are conducted during the approval process.
  • Payment Plans: Purchases can be split up into four installments, or larger purchases can have monthly payments spread over 6, 12, or 24 months.
  • Interest & Fees: There is no interest charged on PayPal payments. However, it charges 9.99% to 29.99% APR on its monthly payment plan.

Also Read: How to Get Temu Credits.


Buy Now, Pay Later (BNPL) apps offer a flexible and convenient alternative to traditional credit cards for spreading out the cost of purchases. To ensure the responsible use of these services, users should understand the terms, effects, and their financial capacity. It is important to use BNPL apps responsibly and avoid overspending when budgeting.

We hope that you have got a lot of information about 5 Buy Now Pay Later (BNPL) apps, which is mentioned in this article.

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What is the number one buy now, pay later app?

Affirm is the most popular buy now, pay later (BNPL) app. Affirm is well known for its transparent pricing and flexible payment plans.

Does everyone get approved for PayPal pay later?

No, not everyone gets approved for PayPal Pay Later.

Does Zip buy now, pay later, check credit?

Yes, Zip Buy Now, Pay Later checks credit. To confirm your identity and ability to repay, Zip will conduct a soft credit check when you apply for a Zip account.