Nowadays, more and more people are turning to buy now pay later options to make shopping really simple. Instead of paying for everything at once, these BNPL apps help you break down the costs into smaller chunks over time.
As per Juniper Research, around 360 million people used BNPL services, and it is forecasted to increase to 900 million by 2027. This shows how popular and common they are becoming due to their interest-free installments.
But not every BNPL app works the same, and hidden fees can sneak up if you are not careful. So in this blog, we will discover the 10+ best buy now pay later apps that highlight what makes each one different.
List of Buy Now Pay Later Apps Everyone’s Talking About
If you want to shop now and pay later, these top BNPL apps are worth checking out. They allow you to split payments into smaller parts and make shopping really easier and more flexible in 2026.
1. PayPal Pay in 4
PayPal Pay in 4 is a subsidiary app of PayPal. It is one of the best buy now pay later apps that allows you to split small purchases into four payments. If you need more, Pay Monthly can cover up to $10,000. Be careful not to overspend.
Both BNPL service options are really simple to use and include protection if your order is damaged or does not arrive. After you make a purchase, the first payment is made at checkout. Then the other three are automatically charged about every 2 weeks.
Payment Structure
Interest or Fees
Credit Impact
Best For
Biggest Drawback
Split purchases into 4 equal payments over six weeks.
No interest if paid on time; late fees possible.
Soft check; defaults may affect account usage.
People who use PayPal frequently.
Only short-term 4-payment option; requires discipline to stay on schedule.
App
Availability
Downloads
Rating
PayPal
iOS & Android
100M +
4.8/5
2. Klarna
You may have heard about the Klarna app. If not, then check this out. It is a Swedish BNPL mobile app that was started in 2005. With more than 111 million active users in 26 countries in 2026, Klarna has become a sensation in the BNPL world.
This top shopping credit app allows you to split payments, pay later, and use virtual or one-time-use cards, even at merchants that do not directly support Klarna. Unlike multiple BNPL mobile applications that only help you split payments, Klarna offers many services.
It combines shopping, payments, virtual cards, and special deals from one single app. It is like a shopping surfboard that takes you smoothly from finding what you want to buying it, while allowing you to choose flexible ways to pay.
Payment Structure
Interest or Fees
Credit Impact
Best For
Biggest Drawback
Options like Pay in 4, Pay in 30 days, or monthly financing.
Short-term plans are interest-free; longer financing may have interest.
Soft checks; missed payments may affect credit.
Online shopping with flexible repayment options.
Too many choices can lead to overspending or confusion.
App
Availability
Downloads
Rating
Klarna
iOS & Android
50M +
4.9/5
3. Afterpay
Afterpay is the top BNPL app. You can shop now from in-store or online, and instead of paying the full amount upfront. You can split it into 4 smaller payments. Till now, Afterpay has reported around 5 million users in the US alone.
One of the best parts about this Afterpay BNPL app is that it does not charge any interest fees if you pay on the due date. But if you do not pay on time, it will charge late fees. Afterpay can only be used in partnered stores.
Afterpay has processed more than 1 billion transactions on a global basis since its release. In a recent report, it was observed that usage among Gen Z and millennials grew 22% year-over-year.
Payment Structure
Interest or Fees
Credit Impact
Best For
Biggest Drawback
You buy now, then pay in four equal fortnightly instalments, about six weeks total.
No interest charged. Late payment fees apply: for orders of $40 or more, up to 25% of the purchase value or $68.
Doesn’t usually do a standard credit check or report on‑time payments to credit bureaus.
People who want to split everyday purchases into manageable chunks without interest.
Late fees can add up fast if payments aren’t made on time.
App
Availability
Downloads
Rating
Afterpay
iOS & Android
10M +
4.9/5
4. Affirm
If you are someone who hates hidden fees, then Affirm might just be the type of app. It is a buy now, pay later service that allows you to buy what you want today and pay for it over time.
But here’s the catch. Everything is upfront and clear, and no surprise interest charges, no tricky compounding is needed. You just have to make simple payments. You can see it from the beginning. From pay in 4 to longer monthly plans, you can choose what works for you from an app like Affirm.
Additionally, you only need a virtual or a physical Affirm card. Their loan plans may have interest. Approval is not guaranteed. It is totally dependent on your electricity and the merchant. If you miss a payment, you can face consequences that can sometimes affect your credit.
Payment Structure
Interest and Fees
Credit Impact
Best For
Biggest Drawback
Monthly payments, typically 3–24 months depending on purchase.
Some plans are 0% interest; others can be up to ~36%.
May involve a credit check; missed payments affect credit.
Larger purchases like electronics or furniture.
Interest and longer commitments can increase total cost.
App
Availability
Downloads
Rating
Affirm
iOS & Android
10M +
4.9/5
5. Tabby
Tabby is among the best BNPL apps that allow you to split payments into interest-free installments. It operates mainly in the Middle East and North Africa and is the largest BNPL player in the MENA region.
Tabby’s core BNPL model is really similar to apps like Klarna, Afterpay, and Affirm, but it is localized for the Gulf market. Tabby has reported 15 million registered users and has 40,000 active merchants.
Tabby is not just a payment method. It is a complete BNPL shopping app developed for the modern Middle Eastern consumer. It merges the ease of interest-free installment payments with the convenience of a mobile shopping experience.
Payment Structure
Interest or Fees
Credit Impact
Best For
Biggest Drawback
Split purchases into 3–4 interest-free payments.
Usually no interest in standard plans.
Mostly soft checks; credit impact not clearly reported.
Short-term everyday purchases in supported regions.
Limited availability; longer-term plans may not be offered everywhere.
App
Availability
Downloads
Rating
Tabby
iOS & Android
5M +
4.8/5
6. Zip
Zip is a really easy-to-use, buy now and pay later application. It only provides you with one payment plan that you can split your total into four payments over six months. You do not have to compare different plans or worry about extra interest or long-term loans.
Back in 2020, it was named Quadpay, but later on, it changed its name to Zip. Since you finish paying it off in just a month and a half, this top interest-free payment app helps you see the true cost of what you are buying and can stop you from spending more than you should.
Payment Structure
Interest or Fees
Credit Impact
Best For
Biggest Drawback
Pay in 4 or longer instalments, depending on the purchase.
Short-term plans are often interest-free; longer plans may have fees.
Soft checks; missed payments still have consequences.
Medium-sized purchases need more flexible payments.
Hidden complexity in longer-term plans; it’s easy to forget payments.
App
Availability
Downloads
Rating
Zip
iOS & Android
5M +
4.9/5
7. Tamara
Tamara is one of the best BNPL apps available, mainly in the Gulf region. In simple terms, Tamara is like the Klarna of the Middle East.
With Tamara, when you shop at a participating store, online or in-store, you can choose to split your payments into a few smaller parts instead of paying the full amount upfront. For example, pay in 4 interest‑free installments, or pay next month options.
Tamara has more than 3 million active users, and it is popular for its Shariah-compliant, no late fees policy. Tamara has a loyalty program called Farah.
It gives users special deals, discounts, and cashback from different brands. This makes shopping through the Tamara app more rewarding and fun.
Payment Structure
Interest and Fees
Credit Impact
Best For
Biggest Drawback
Short-term instalments, usually 3–4 payments.
Standard plans are usually interest-free.
Soft checks; missed payments may have consequences.
Shoppers in supported regions who want simple plans.
Limited availability; longer or larger purchases may cost more.
App
Availability
Downloads
Rating
Tamara
iOS & Android
5M +
4.8/5
8. Paidy
Paidy is among the best Japanese-based buy now pay later apps that simplify online shopping by removing the need for credit cards or long registration forms. You only need an email address and a contact number to start using it.
Paidy has around 6 million registered users. It allows you to buy and then pay for them in a consolidated bill the following month, or on selected plans, split payments without any interest. It differentiates itself in multiple ways.
For example, it caters specifically to Japan’s card abandonment and increasing conversion rates. It guarantees payments to merchants while taking on the risk of consumer repayment.
Payment Structure
Interest or Fees
Credit Impact
Best For
Biggest Drawback
Pay next month or split into 3 interest-free payments.
Usually no interest; small fees for some payment methods.
Soft checks; on-time payments don’t hurt your credit.
Shoppers in Japan who want simple, card-free mobile payments.
Only works in Japan; missed payments can cause problems.
App
Availability
Downloads
Rating
Paidy
iOS & Android
1M +
3.8/5
9. Sezzle
Sezzle provides you with a special perk that most buy now pay later apps do not. It can help you build your credit. With its Sezzle Up feature, your on-time payments can be shared with credit bureaus like Experian, TransUnion, and Equifax. It means your good payment habits could raise your credit score.
Sezzle says that many people with scores under 600 have seen their credit go up by about 20 points in just a few months. However, this extra feature comes with more fees than some other BNPL options.
Payment Structure
Interest or Fees
Credit Impact
Best For
Biggest Drawback
4 interest-free payments over six weeks.
No interest is paid if on time; late payments incur fees.
Soft checks; some plans can help build credit.
Young shoppers or those new to BNPL.
Limited acceptance at some merchants; extra features may cost more.
App
Availability
Downloads
Rating
Sezzle
iOS & Android
1M +
4.9/5
10. Nelo
If you want an easy and flexible way to shop, Nelo is one of the best BNPL apps. With the Nelo BNPL app, you can simply split your payments into four parts without any interest rate. One of the best things about Nelo is 1 tap checkout.
You can quickly choose Apple Pay, Google Pay, or other options, and you will get confirmation right away. Nelo does not do complex credit checks, so your purchases would not affect your credit score.
Nelo works with multiple stores, like fashion, beauty, electronics, and home products. Additionally, the app keeps adding new partner stores, so you have more places to shop every month. This BNPL app makes your shopping experience smooth and worry-free.
Payment Structure
Interest or Fees
Credit Impact
Best For
Biggest Drawback
Split payments over time for purchases in certain regions.
Some plans are interest-free; others may have interest.
Standard BNPL risks apply; missed payments are harmful.
Shoppers in regions where Nelo operates.
Limited global support; terms vary by merchant.
App
Availability
Downloads
Rating
Nelo
iOS & Android
1M +
4.9/5
11. Perpay
Perpay is the most popular buy now pay later app that allows you to shop and pay for items over time with no interest or late fees. You can easily choose payment plans for up to six months, making it very easy to manage your budget.
Payments are taken automatically from your paycheck or chosen payment method. Your spending limit is based on your income, and all purchases are made through the Perpay marketplace.
The app also provides Perpay+, a feature that reports your payment to credit bureaus to help build your credit score. To qualify, you need to make on-time payments of $200 or more within four months.
Payment Structure
Interest or Fees
Credit Impact
Best For
Biggest Drawback
Instalments are often tied to your income or paycheck.
Some plans are interest-free; others may have fees.
Approval is stricter; missed payments still affect credit.
Budget-conscious shoppers want payments linked to income.
Limited merchant options; missing payments can affect budgeting.
App
Availability
Downloads
Rating
Perpay
iOS & Android
1M +
4.5/5
12. Zilch
Do you want to spread your payments while shopping in stores across the UK? Zilch makes it easy. You get a virtual Mastercard that you can activate in the Zinch app or website after selecting the store where you want to shop.
When you make a purchase, you pay 25% upfront, and the rest is split into three equal payments every two weeks over six weeks. For example, if something costs £90, you pay £22.50 at checkout, then £22.50 every two weeks until it’s fully paid for.
Zilch helps you shop responsibly, keep your spending under control, and protects your credit score. The app makes it really simple to track your payments.
Payment Structure
Interest or Fees
Credit Impact
Best For
Biggest Drawback
Short-term instalments, sometimes with virtual card options.
Upfront costs are 25% and the rest is free.
Missed payments can hurt credit; newer service, so that the terms may change.
Simple instalment payments and virtual card use.
Limited global availability; virtual cards may tempt extra spending.
App
Availability
Downloads
Rating
Zilch
iOS & Android
1M +
4.9/5
13. Humm Classic
Do you want to buy what you love today and pay later without any interest? Humm Classic makes it really simple. Instead of paying everything up front, you can spread your payments into easy 15-day or monthly instalments.
Unlike other BNPL applications that usually limit you to $1000-$2000, Humm allows you to borrow up to $30,000. It gives you the flexibility to buy costly items. You can manage your spending through two digital wallets in the mobile app and track your payments.
Payment Structure
Interest or Fees
Credit Impact
Best For
Biggest Drawback
Instalments over several months for medium to large purchases.
Short-term loans may be interest-free; longer terms can have interest.
Soft checks; long-term debts count toward budgeting.
Appliances, furniture, or bigger purchases need more time.
Longer plans increase cost and need careful tracking.
App
Availability
Downloads
Rating
Humm Classic
iOS & Android
500K +
5.0/5
In a Nutshell
There isn’t one best BNPL app for everyone; it depends on how you shop and how you manage your payments. Most buy now pay later apps let you buy now and pay later in small chunks, but some also allow longer-term installments.
They can be very convenient, but it’s important to pay on time to avoid fees or affect your credit. Choosing an app that fits your spending habits and keeping track of payments will help you enjoy the benefits of buy now pay later apps without any stress.
Now that you have the list of the best BNPL apps, you can pick the one that works for you and start shopping smarter without stressing over payments. Moreover, if you have a similar mobile app idea, then you can contact a trusted Buy now pay later app development company and develop your buy now pay later app.
FAQs
Yes, it can. If you make all your payments on time, it usually won’t hurt your credit. But if you miss payments, it can be reported to credit agencies and lower your score.
Yes! Buy now pay later apps are absolutely safe and secure to use. We use encryption and other security measures to protect your information. Just make sure you download official apps and avoid sharing your password.
If you miss a payment, the app may charge a late fee and sometimes report it to the credit firm. Some BNPL apps may also pause your ability to use BNPL until you pay. So, it is advisable to always try to pay on time.
Most BNPL apps don’t charge interest if you pay on time. But they usually charge late fees if you miss a payment. Some may charge interest for longer-term plans.
Yes. When you return something, the store lets the BNPL app know. Once the store processes your refund, the app stops your payments and puts the money back into your account.
Yes, Buy now pay later apps set a limit based on your account, purchase history, and sometimes a quick credit check.
If you close your bank account while having unpaid BNPL payments, it can cause failed payments and late fees. Also, it can affect your credit score.
Niketan Sharma, CTO, Nimble AppGenie, is a tech enthusiast with more than a decade of experience in delivering high-value solutions that allow a brand to penetrate the market easily. With a strong hold on mobile app development, he is actively working to help businesses identify the potential of digital transformation by sharing insightful statistics, guides & blogs.
