Split purchases into 4 payments with 0% interest. We compared Cash App Afterpay, Klarna, Affirm, Zip, and Sezzle by fees, stores, and flexibility.
Both Affirm and Klarna are now natively integrated with Google AI Mode and Gemini Search (launched May 13-19, 2026). When you search for products in Google AI, BNPL options now appear inline. This gives Affirm and Klarna a major distribution advantage over Sezzle, Zip, and PayPal Pay-in-4 which lack Google integration. Klarna reported Q1 2026 revenue of $1B (+44% YoY) following this partnership.
Klarna offers 4 payment options: Pay in 4 (0% interest), Pay in 30 days, monthly installments, and long-term financing. Works at 1 million+ stores. Best overall BNPL app.
Get Klarna →Cash App Afterpay charges zero fees for on-time payments. Pay in 4 installments over 6 weeks. Late fee capped at 25% of purchase or $68. Best if you want no fees and a simple structure.
Zip generates a virtual Visa card for each purchase, making it usable at any store that accepts Visa — even those without a BNPL partnership. $1 per installment fee.
Affirm is best for large purchases needing longer repayment (1–60 months). No late fees. Interest rates vary 0–36% APR depending on creditworthiness. Used by Amazon, Walmart, Apple.
Sezzle offers 0% Pay in 4 with one free payment reschedule per order. Sezzle Up reports on-time payments to credit bureaus — great if you want to build credit while shopping.
| App | 0% Interest | Service Fee | Stores | Plans |
|---|---|---|---|---|
| Klarna | ✅ Yes | None | 500K+ | 4 plans |
| Cash App Afterpay | ✅ Yes | None | 100K+ | Pay in 4 |
| Zip | ✅ Yes | $1/installment | 160K+ | Pay in 4 |
| Affirm | Some plans | None | 300K+ | 1–60 months |
| Sezzle | ✅ Yes | None | 46K+ | Pay in 4 |