Honest yes/no in 5 questions, plus the best provider for you
Answer 3 questions. We'll show which BNPL services you're likely approved for.
We compared every BNPL app so you don't have to. Split any purchase into 4 payments at 0% interest — instant approval, no credit card needed.
At checkout, select Klarna, Cash App Afterpay, or Affirm. A 30-second soft credit check is run. You pay 25% today, then 3 equal payments every 2 weeks — zero interest. The merchant gets paid in full immediately by the BNPL provider. The service is free for shoppers because merchants pay a 2–8% transaction fee.
Ranked by BNPL Score — our independent rating
1 million+ stores globally, Pay in 4 at 0% interest, Pay in 30 days, monthly financing, and a browser extension that adds Klarna to any site. Used by 150 million people worldwide.
Shop Now, Pay Later with Klarna →All apps ranked by BNPL Score
| App | Interest | Stores | BNPL Score | Speed | Action |
|---|
Which BNPL apps have what you need?
| Feature | Klarna | Cash App Afterpay | Affirm | PayPal | Sezzle |
|---|---|---|---|---|---|
| Pay in 4 (0%) | ✓ | ✓ | ✓ | ✓ | ✓ |
| Pay in 30 Days | ✓ | ✗ | ✗ | ✗ | ✗ |
| Monthly Financing | ✓ | ✗ | ✓ | ✗ | ✗ |
| Amazon Compatible | ✗ | ✗ | ✓ | ✓ | ✗ |
| No Credit Check | Soft | Soft | Soft/Hard | Soft | Soft |
| Credit Building | ✗ | ✗ | ✓ | ✗ | ✓ |
| In-Store Use | ✓ | ✓ | ✓ | ✓ | ✓ |
| Browser Extension | ✓ | ✗ | ✗ | ✗ | ✗ |
Everything you need to know about buy now pay later
24 side-by-side comparisons of every major Buy Now, Pay Later provider. Find the one that fits your purchase, credit, and cash-flow needs.
All BNPL data updated May 2026. Pay-in-4 products charge no interest when paid on time; longer-term financing products charge APR varying 0-36%. Always check terms before purchase.
Start with our top picks — 0% interest, instant approval, no credit card needed.
Everything you need to know about buy now pay later
Head-to-head breakdowns for every major buy now pay later app
Our editorial team independently researches and ranks buy now pay later apps. We evaluate interest rates, store coverage, approval speed, and credit impact across all major BNPL providers. We earn affiliate commissions from some links — this never influences our rankings. Learn about our methodology →