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, 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
500,000+ 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 | 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
Start with our top picks — 0% interest, instant approval, no credit card needed.