7 ways to buy now and pay later

Updated: 6 days ago

Affirm

Affirm allows users choose from thousands of sites and stores worldwide. Just select the payment type at checkout, then enter your personal information for a real time decision. You are able to select the payment schedule that works best for you. It promises to never charge you late fees or penalties of any kind.


Klarna

Choose Klarna as your preferred payment option when shopping at your favorite retailers online. It allows users to split the purchase into manageable installments or pay for your order up to thirty days later and spread the cost of your purchase into four interest free installments that are charged from your card every few weeks. Klarna offers a new way to pay and an alternative to credit to help ease cost barriers with absolutely no interest.


Sezzle

Sezzle allows users to split their payments into 4 interest-free payments scheduled over a six week period. As long as you make a payment on time, there will be no additional fees added. Their instant approval decisioning process has zero impact to your credit score. To qualify for Sezzle, you must meet the following requirements. You must be 18 years of age or older, have a US or Canadian phone number that can receive texts, have a working email address, have a non-prepaid payment method available.


Afterpay

Afterpay is fully integrated with all your favorite stores. Start by shopping online as you normally would, then choose it as your preferred payment method at checkout. It is available on hundreds of popular stores and brands including Ugg, Steve Madden, Dillards, Urban Outfitters, and hundreds of other major retailers.


QuadPay

Your purchases will be split into four payments scheduled over a six week period. It offers instant approval decisions that has zero impact to your credit score. Shop via their merchant partners or anywhere that Visa is accepted online.


Zebit

Zebit does not pull your credit score, making it a popular option for those looking for a small loan. The platform allows users to buy now and pay over time with absolutely no hidden fees, interest, or penalties. Shop hundreds of your favorite brands and pay over time. Your available funds is determined by a number of factors, including your income and creditworthiness, which can grow in the future with strong purchase and on-time repayment history.


SplitIt

Choose Splitit at checkout and use your favorite credit card to split your payment into smaller increments to pay over time. Always zero percent interest and never any late fees. There are also no applications or credit checks, while you continue to earn your points and rewards.

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