Exploring The Best Buy Now, Pay Later Apps Like Klarna

Software Alternatives,best apps

Lori Ballen
7 min readDec 23, 2023


Ever thought about shopping now and paying later without the burden of interest rates? Sounds like a dream, right? With Klarna and its alternatives, this dream is now a reality. In this blog post, we’ll explore Klarna’s popularity and dive into the top seven apps like Klarna that offer flexible buy now, pay later options for shoppers worldwide.

Table of Contents


Key Takeaways

  • Klarna is a popular buy now, pay later app with interest-free payment plans and wide range of merchant partnerships.
  • Compare features, fees & advantages to find the best BNPL app for your needs — pros & cons should be considered first!
  • Look out for online stores offering flexible payment plans like Amazon, Sephora or Nike.

Why Klarna is Popular

A person using a credit or debit card to make a payment

Klarna has gained popularity due to its interest-free payment plans, wide range of merchant partnerships, and an easy-to-use interface. With Klarna’s Pay in 4 payment plan, shoppers can enjoy lower interest rates than credit cards and even interest-free payments on some purchases. This makes it a top choice for those looking for buy now, pay later options without having to pay interest.

Klarna offers a wide range of shopping options, including:

  • Electronics
  • Fashion
  • Beauty
  • Home products
  • Conscious brands
  • Female-owned stores
  • Black-owned stores

Its diverse merchant partnerships and seamless payment options, including debit card transactions, make it a go-to choice for online shoppers.

Top 7 Apps Like Klarna

In search of Klarna alternatives? Here are seven other apps offering buy now, pay later services: Affirm, Afterpay, Sezzle, Splitit, PayPal Pay 4, Zip, and Zebit.

These apps provide flexible payment plans, including monthly payments, with low or no interest fees, and without any hidden fees, giving you more options for your online shopping experience.


Affirm, a well-known Klarna substitute, offers the following features:

  • Flexible payment plans
  • No late fees
  • APR rates between 0% and 30%
  • Settle purchases in monthly installments over a period of up to three years
  • AutoPay and round-up payments for easy automatic payments and spending tracking.

The Affirm Chrome extension:

  • Helps you manage your spending
  • Allows you to spend up to $17,500 with its payment plans
  • Offers flexibility for large purchases without the burden of late fees

It’s perfect for those who want a buy now, pay later app.


Afterpay, another well-liked buy now, pay later alternative, provides interest-free payments by dividing your purchases into four even installments. Late fees with Afterpay can be up to 25% of the order value, but the lower the cost of your order, the lower the fee. Afterpay also offers a ten-day grace period for late payments, providing flexibility for shoppers who may need extra time to make a payment and avoid late payment fees.

With Afterpay, you can:

  • Shop both online and in-person at various retailers
  • Have more options for your shopping experience
  • Take advantage of flexible payment plans
  • Enjoy a no-interest offer
  • Use it as a great alternative to Klarna.


Sezzle, a buy now, pay later app, enables you to:

  • Divide your purchase into four equal payments spread over six weeks
  • Requires a 25% down payment at the time of purchase
  • Offers an online marketplace with cashback rewards
  • Provides flexibility to reschedule payments if needed
  • If you miss a payment, there’s a $10 late payment fee

Sezzle’s payment structure and features make it an appealing option for those looking for Klarna alternatives. With its user-friendly interface and online marketplace, Sezzle offers an enjoyable shopping experience for its users.


Splitit allows you to make installments without any fees, offering flexible payment plans without necessitating loan applications or credit score checks. It’s available in 200 countries via Mastercard or Visa, making it accessible to shoppers worldwide.

Splitit’s features include:

  • Spending range from $0 to $10,000
  • Ability to pay off purchases in up to 12 months
  • Global availability
  • Flexible payment plans

These features make Splitit a great alternative to Klarna for international shoppers.

PayPal Pay 4

PayPal Pay 4 provides two adaptable payment method choices for buy now, pay later: Pay in 4 and PayPal Credit. With Pay in 4, you can split your purchase into four interest-free payments, while PayPal Credit provides a line of credit with a promotional period of six months with no interest. PayPal Pay 4 makes automatic payment deductions and has a Buyer Protection policy covering up to $20,000.

To use PayPal Pay 4, you need a verified PayPal account, and the spending limit ranges from $30 to $1,500. Its flexible payment options make it an attractive alternative to Klarna for PayPal users.


Zip offers:

  • Payment plans that don’t affect your credit scores and don’t require credit checks
  • The ability to pay everyday bills and utilities in easy installments
  • A spending limit ranging from $350 to $1,000
  • A virtual Visa card that can be used at any store that accepts Visa

This makes Zip stand out from other Klarna alternatives.

With its flexible payment options and the ability to pay bills and utilities, Zip is a great Klarna alternative for those who want more than just an online shopping payment plan.


Zebit provides interest-free credit up to $2,500, enabling you to divide your purchases into six installments without any extra charges. With a one-stop-shop for browsing various products, Zebit makes online shopping easy and convenient.

Zebit’s interest-free credit and installment structure make it a great choice for shoppers looking for Klarna alternatives. Its user-friendly platform and diverse product offerings provide a seamless shopping experience.

Comparing Features: Klarna Alternatives

Having explored the leading Klarna alternatives, you should compare their features, fees, and advantages to make a decision that aligns with your personal preferences and financial circumstances. Some apps offer more flexible payment plans, while others provide additional features like cashback rewards or the ability to pay bills and utilities.

When evaluating buy now, pay later apps, you should keep in mind the importance of responsible spending and prompt payments. While these apps offer convenience and flexibility, late payments or overspending can lead to additional fees and financial strain. It’s crucial to report late payments to avoid further complications.

In conclusion, Klarna and its alternatives provide a variety of buy now, pay later options for shoppers worldwide. By comparing their features and benefits, you can find the best app that suits your needs and preferences, ensuring a smooth and enjoyable online shopping experience.

Pros and Cons of Buy Now, Pay Later Apps

Buy now, pay later apps come with several advantages, including a simple approval process, an easy-to-use interface, and interest-free financing. However, there are also some downsides to using these apps, including the potential for a hard credit check that can impact your credit score, customer service issues, and fees for late payments. It’s important to be aware that credit bureaus may also monitor your activity with these apps.

It’s important to evaluate the advantages and disadvantages of each app and make prudent spending decisions when utilizing buy now, pay later apps. By staying on top of your payments and spending within your means, you can enjoy the convenience and flexibility these apps offer without risking additional fees or financial strain.

Tips for Choosing the Right App

To choose the most suitable buy now, pay later app for you, take into account your personal preferences, credit scores, and eligibility requirements. Some apps may have specific criteria for users, such as age, residency, or credit history, so it’s crucial to ensure you meet these requirements before applying.

In addition, consider other factors such as:

  • interest rates
  • fees
  • repayment terms
  • customer service
  • any other features that matter to you

When selecting an app, carefully evaluate your options and keep your financial situation in mind. This way, you can choose the right app that caters to your needs and preferences.

Online Stores Offering BNPL Plans

Numerous leading online stores, in collaboration with apps like Klarna, Affirm, and Sezzle, present flexible payment options for shoppers. Some popular online stores that offer these plans include:

  • Amazon
  • Sephora
  • Nike
  • eBay

These partnerships allow you to shop from a wide range of products and enjoy flexible payment plans.

Buy now, pay later plans at online stores like Amazon and Sephora are easy to use. Simply select the option at checkout and complete the purchase. The total purchase amount will be divided into equal installments, with the first one due at the time of checkout. This allows you to spread the cost of your purchase over time, making it more manageable and budget-friendly.

By exploring online stores that offer buy now, pay later plans, you can enjoy a more convenient and flexible shopping experience. With the numerous options available, you’re sure to find an app and store that cater to your shopping preferences and financial needs.


In summary, Klarna and its alternatives offer a variety of buy now, pay later options for shoppers worldwide. By comparing their features, benefits, and fees, you can make an informed decision and choose the best app for your needs. Remember to spend responsibly and make timely payments to enjoy the full benefits of these flexible payment options. Happy shopping!

Frequently Asked Questions

Is there another app like Klarna?

Yes, there are several alternative apps to Klarna such as Sezzle, PayPal Credit, Affirm and Afterpay. All these apps offer similar buy-now-pay-later services as Klarna does.

Is Sezzle better than Klarna?

Sezzle appears to be the better choice, with 4.7/5 stars from 119 reviews compared to Klarna’s 3.1/5 stars from 50 reviews. Real-time user review data helps you determine which product is best for your business needs.

Do all buy now, pay later apps require a credit check?

No, not all buy now, pay later apps require a credit check, with services such as Zip and Splitit being two popular options that don’t.

Are there any hidden fees with these apps?

No hidden fees are typically associated with these apps, but it’s always best to read the terms and conditions to make sure you’re not charged any unexpected fees.

Can I use buy now, pay later apps for in-store shopping?

Yes, you can use buy now, pay later apps for in-store shopping. Afterpay and Klarna are some of the most popular options available which offer flexible payment plans both online and in-person.

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Lori Ballen

Lori's passion for blogging and commitment to empowering others is evident in her comprehensive, easy-to-follow articles.