Mobile Apps

09 Best Buy Now, Pay Later Apps

  1. Affirm
  2. Afterpay
  3. Zip (formerly known as Quadpay)
  4. Pay in 4 paypal
  5. Sezzle
  6. Splitit
  7. klarna
  8. Perpay
  9. Lazypay

Our list of The Best Buy Now, Pay Later Apps :

1. Affirm: Buy now, pay over time

best buy credit card payment

With the Affirm app, you can shop stress-free at your favorite stores and pay over time with flexible payment plans—there are no late fees, hidden fees, or surprises—ever. Affirm Best Buy Now, Pay Later Apps.

Why you’ll love shopping on the Affirm app:

• Shop and pay with flexible buy now, pay later plans at almost any store
• Check your eligibility with no impact to your credit score
• Unlock access to exclusive deals and special rates as low as 0% APR
• Manage your account and make payments easily
• Open a high-yield savings account with no minimums and no fees.

How does Affirm work? Here’s how to start shopping with the flexibility of buy now, pay over time plans.

• Find your favorite store, shop, and fill your cart.
• Choose from flexible payment options that fit your budget—we’ll never charge more than you see upfront.
• We’ll check your eligibility and then you’re good to go (the credit check takes only a moment and won’t affect your credit score).
• Complete your purchase online or at a physical store with Google Pay or Apple Pay.

With Affirm’s buy now, pay later flexibility, you can shop at the stores you love without paying all at once. We’ll show you exactly what you’re paying from the get-go, and we’ll never charge you with late fees, penalties or hidden costs of any kind. Now is the time to responsibly treat yourself with buy now, pay over time shopping and the flexibility of split payments.

2. Afterpay: Shop now. Pay later

Afterpay Buy now, Pay later – with 4 simple fortnightly instalments. With thousands of stores and online shopping brands to choose from, you can find great shopping deals on a range of beauty, fashion, tech, homeware and more. Download the Afterpay online shopping app now!

Manage your buy now, pay later purchase payment plan easily through the app and enjoy interest-free payments – just make sure you pay on time. Afterpay helps you stay on top of your spending and keep an eye on your online shopping budget.

3. Zip (formerly known as Quadpay)

Zip (previously Quadpay) gives savvy shoppers more freedom and flexibility to buy now, pay later anywhere with the app. There’s no hard credit check, zero interest, and no impact on your credit score. Split your purchase into 4 easy installments and pay over 6 weeks. It’s a smarter way to shop and stretch your funds.

Buy now, pay later: shop your favorite brands and pay with your linked account in 4 installments over 6 weeks. Get an instant decision*, with no application forms or hassle.

4. Pay in 4 paypal

Now there’s more ways to PayPal— buy, sell, send, receive and explore all in one place. It’s a simple and secure way to get paid back for last night’s takeout, send money to friends who have an account with PayPal, buy and checkout with crypto, manage your bills and more. Plus, we’ve added some new features we think you’ll love.

• Get exclusive deals curated just for you right in the PayPal app.
• Earn cash back when you shop in the app.
• Multiply your rewards. Earn them with merchants, your credit cards, and with PayPal.

• Buy now and pay later by splitting your purchase into 4 interest-free payments at millions of online retailers with no late fees.
• Just choose PayPal at checkout and select ‘Pay Later’, where you’ll see ‘Pay in 4’ as a way to pay.
• Make the down payment today and pay the rest in 3 payments—one every two weeks.
• Payments are easy to manage through the PayPal app and on

5. Sezzle – Buy Now, Pay Later

Sezzle is a digital payment platform that enables everyone to take control of their financial future, spend responsibly, and shop conveniently. When you shop with Sezzle, your purchases are split into 4 payments at 0% interest over 6 weeks. And there’s no impact on your credit!


Download and sign up
Experience flexible, hassle-free shopping in the Sezzle app!

6. Splitit

Split It! is an Android app that lets you track expenses during trips, party nights and other events. Just a few clicks and you know who owes what! Works fully offline, so you no need to worry about roaming expenses.

You’re a responsible credit card user. So why do “buy now, pay later” providers treat you like you’re not? Instead of doing sneaky credit checks and charging hidden fees, Splitit lets you make monthly payments on the credit you already have—all at your own pace.

7. Klarna | Shop now. Pay later

Discover stores where you can split the cost of your purchase into 4 interest-free payments—paid every 2 weeks. We partner with retailers all over the world so you can experience smoooth shopping directly from their sites. And if anything goes wrong with your Klarna order—whether it’s physical goods or services—we’ve got your back.

• Download the Klarna app and sign up or log in.
• Buy now, pay later online and in-store.
• Discover personalized inspiration and exclusive deals and discounts.
• Get a complete overview of all your purchases and finances.
• And much more!

8. Perpay – Buy Now, Pay Later

Perpay is the all-in-one shopping app making it easy to buy your favorite brands, pay over time, & build credit along the way.

* $1,000 average spending power
* Small payments from your paycheck
* Average credit score increase of 39 points*
* No fees, interest, or credit check

9. Lazypay – Buy Now Pay Later

Imagine shopping today but paying later? Look no further than LazyPay! With LazyPay – you can buy now and pay later with ease. You can pay the total due amount every 15 days with no interest charged. That’s not all – there are some exciting merchant and cashback offers for you to avail on the app. With a quick verification, you can use your LazyPay credit at any store. Transactions over INR 3,000 can be converted into EMIs.

LazyPay can do everything a credit card can, and more. LazyPay is an easier, faster and more convenient method of dealing with your finances. Just download and start using LazyPay today, no credit check!

Want to quickly purchase things now and have the option to pay later? Just buy now, pay later with LazyPay. Use our flexible payment options to buy from your favorite merchants across 250+ websites and mobile applications. After a quick verification, you can use your LazyPay credit to pay online or at an offline store. Lazypay also gives you access to no-cost EMI options. Get credit that’s easy, instant and hassle-free.

Editorial Team

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