20 Buy Now Pay Later Apps For Easy & Flexible Shopping

Enjoy the convenience of deferred payments without compromising on your budget with the best buy now pay later apps. Simplify your shopping and enjoy the ultimate flexibility.
Last Updated on : April 10, 2024
best buy now pay later apps

Buy now, pay later apps have become increasingly popular over the last few years. These apps help consumers finance purchases like clothing, everyday essentials, home decor, etc. BNPL apps do not charge high interest rates and are thus preferred by many users. These apps split the total purchase cost into easy, payable installments. Read More

List of the Top Buy Now Pay Later Apps Available for Smartphone Users

Sezzle

Download Sezzle:

4.9
4.6

Tech Specifications Arrow

Metrics Android iOS
Latest Version: 3.4.1 3.5.1
Size: 54 MB 110.7 MB
Device Supported: Android 6.0 and up iOS 12.4 or later
Subscription: Free Free

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2.

Perpay

Perpay

Download Perpay:

4.6
3.9

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Metrics Android iOS
Latest Version: 1.8.8 1.9.0
Size: 3.01 MB 13 MB
Device Supported: Android 7.0 and up iOS 11.0 or later
Subscription: Free Free

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3.

Klarna

Klarna

Download Klarna:

4.8
4.6

Tech Specifications Arrow

Metrics Android iOS
Latest Version: 24.8.251 24.9.253
Size: 208.91 MB 246.5 MB
Device Supported: Android 7.0 and up iOS 15.0 or later
Subscription: Free Free

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4.

Affirm

Affirm

Download Affirm:

4.9
4.8

Tech Specifications Arrow

Metrics Android iOS
Latest Version: 3.232.2 3.229.0
Size: 28.73 MB 236.3 MB
Device Supported: Android 7.0 and up iOS 15.0 or later
Subscription: Free Free

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5.

Afterpay

Afterpay

Download Afterpay:

4.9
3.8

Tech Specifications Arrow

Metrics Android iOS
Latest Version: 1.92.0 1.93.0
Size: 259.7 MB 158.6 MB
Device Supported: Android 7.0 and up iOS 14.0 or later
Subscription: Free Free

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6.

PayPal

PayPal

Download PayPal:

4.6
4.3

Tech Specifications Arrow

Metrics Android iOS
Latest Version: 8.56.0 8.57.0
Size: 181.5 MB 409 MB
Device Supported: Android 6.0 and up iOS 14.0 or later
Subscription: Free Free

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Why we picked it? Arrow

7.

Lazypay

Lazypay

Download Lazypay:

4.8
4.2

Tech Specifications Arrow

Metrics Android iOS
Latest Version: 10.3.1 7.4.1
Size: 52 MB 179.3 MB
Device Supported: Android 6.0 and up iOS 14.0 or later
Subscription: Free Free

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8.

Zip

Zip

Download Zip:

4.9
3.8

Tech Specifications Arrow

Metrics Android iOS
Latest Version: 3.2.0.1422 3.3.0
Size: 39 MB 144.4 MB
Device Supported: Android 7.0 and up iOS 14.0 or later
Subscription: Free Free

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9.

Spotii

Spotii

Download Spotii:

4.8

Tech Specifications Arrow

Metrics Android iOS
Latest Version: NA 0.3.26
Size: NA 79.4 MB
Device Supported: NA iOS 12.0 or later
Subscription: NA Free

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Why we picked it? Arrow

10.

Uplift

Uplift

Download Uplift:

4.7
4.1

Tech Specifications Arrow

Metrics Android iOS
Latest Version: 2.2.1 2.2.0
Size: 13.97 MB 88.9 MB
Device Supported: Android 7.0 and up iOS 15.0 or later
Subscription: Free Free

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How did we choose the best buy now, pay later apps for our list?

Buy now, pay later apps are increasingly popular and are adopted by many consumers across the globe. The best pay-later apps offer exceptional flexibility and convenience in payments. These apps allow consumers to buy the desired product without worrying about its cost. Some key features that we considered while choosing the top buy now pay later apps are listed below-

1. Interest-free payments

Buy now, pay later shopping sites and apps should offer interest-free payments for all their users. All the apps listed above charge no additional fee for installments. Furthermore, the apps spread the cost over a set period of time, making purchases affordable and convenient for all. 

2. Instant approval 

A BNPL app should offer instant approvals without a delayed credit check process. Quick approval decisions can streamline the shopping process and offer immediate access to funds. 

3. Flexible payment plans

Buy now, pay later apps mostly offer flexible payment options for all users. These apps can charge installments for 4 weeks or 6 weeks. These installments are primarily aimed at dividing the total cost into simpler and manageable portions for flexible payment. 

4. Transparent transactions 

BNPL apps mentioned on our list ensure complete transparency for all users. These apps do not have any hidden fees or charges for installments. Users must read the terms carefully to ensure transparency and avoid late payments and penalties. 

5. Credit building options 

Some buy now, pay later apps also offer users an opportunity to build or improve their credit scores. These apps can report timely payments to the credit bureaus and help improve credit scores. 

Why should you use a buy now pay later app for shopping?

Buy now, pay later apps offer a multitude of benefits for users. These apps are aimed at enhancing your financial health and improving the shopping experience for all users. The key benefits of using BNPL apps are listed below -

1. Interest-free payments

Many BNPL applications include interest-free options, provided you repay within the specified duration. This can be a more cost-effective alternative to typical credit choices that build interest over time.

2. Instant access and simple-to-use

The simple and quick approval process eliminates the lengthy and complex applications associated with traditional credit. This fast access to financial facilities facilitates immediate purchases.

3. Budget-friendly shopping 

By breaking down purchases into smaller, more manageable installments, BNPL services can help you make cost-effective decisions without sacrificing your necessities or aspirations.

4. Access to expensive items

BNPL apps can make more expensive things more affordable, removing the barrier of large upfront payments and letting you reap the benefits of a product while paying over time.

5. Credit building 

Some BNPL apps record on-time payments to credit agencies, allowing you to establish or enhance your credit score, which is important for future financial opportunities.

6. Improved shopping experience

Beyond financial rewards, BNPL apps frequently include additional bonuses such as exclusive offers, early access to specials, and personalized shopping recommendations, which enhance your shopping experience.

What are the key alternatives to buy now, pay later apps?

Buy now pay later & no down payment options are lighter on users’ wallets and are highly preferable. While buy now, pay later apps offer exceptional convenience, there are several alternatives for those looking to spread out the cost. Here are some of the best alternatives to the best BNPL apps -

1. Credit Cards

Traditional credit cards allow you to make purchases while deferring payment until your billing cycle. Many merchants provide rewards, cashback, or points for purchases. Interest rates can be significant if the balance is not paid in full.

2. Personal Loans

For major expenditures or debt consolidation, personal loans might provide a lump sum with fixed interest rates and repayment conditions. They often have cheaper interest rates than credit cards but require a credit check and approval process.

3. Layaway Plans

Some businesses have layaway arrangements, which allow you to pay for products in installments before taking them home. This strategy reduces debt and interest, but it requires patience because you will not receive the goods until they are entirely paid for.

4. Peer-to-Peer Lendings 

Individuals can borrow directly from investors through platforms such as LendingClub and Prosper. P2P loans might provide competitive interest rates, depending on your credit score.

5. Employer Salary Advances 

Some employers may provide salary advances as a benefit, allowing you to receive income ahead of your normal payment.

Conclusion

In conclusion, the top Buy Now, Pay Later (BNPL) applications provide a revolutionary approach to purchasing and financial management by combining ease, flexibility, and control over personal finances. They have arisen as a popular alternative to traditional credit, allowing customers to stretch the expense of goods over time while avoiding exorbitant interest rates. 

The key to their success is their user-friendly platforms, rapid clearance processes, and transparent terms, which make luxury items and everyday necessities more accessible to a larger audience. As the market for these services evolves, shortlisting the best BNPL apps will be based on individual financial situations, spending habits, and unique features that meet users' requirements and aspirations.

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General FAQ

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MobileAppDaily Team

MobileAppDaily Team

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