Buy now pay later services

Compare interest-free buy now pay later services available in the USA.

By   |   Updated 11th March 2021

Comparing buy now pay later services

Affirm

Maximum loan amount

$17,500.00

Repayment

3, 6 or 12 months

Late fee

$0.00

Highlights

  • Know exactly what you will owe and when you will be done paying.
  • There are no hidden fees—not even late fees.
  • Download the Affirm app or sign in at affirm.com and make monthly payments.
Afterpay

Maximum loan amount

$1,500.00

Repayment

Four equal instalments paid fortnightly

Late fee

$10.00

Highlights

  • Pay for your purchase in four interest-free installments (due every two weeks).
  • Always zero interest, never additional fees when you pay on time. 
  • Instant approval decision. You’ll know if you’re approved instantly and your order will ship as usual. 
Klarna

Maximum loan amount

N/A

Repayment

Four equal instalments paid fortnightly

Late fee

$7.00

Highlights

  • Enjoy the flexibility to get what you want and pay over time.
  • Pay in 4 with Klarna through their app, with integrated brands, or anywhere Visa is accepted.
  • Klarna's instant approval process has zero impact on your credit score.
Quadpay

Maximum loan amount

N/A

Repayment

Four equal instalments paid fortnightly

Late fee

$7.00

Highlights

  • Split any purchase into 4 instalments over 6 weeks.
  • Shop with Quadpay via their retail partners or anywhere Visa is accepted.
  • Quadpay's instant approval decision process has zero impact on your credit score.
Sezzle

Maximum loan amount

$2,500.00

Repayment

Four equal instalments paid fortnightly

Late fee

$10.00

Highlights

  • Buy now, pay later at 0% interest.
  • Split your entire order into 4 interest-free payments over 6 weeks.
  • With more than 26,000 online stores to choose from.
PayPal

PayPal

Maximum loan amount

$600.00

Repayment

Four equal instalments paid fortnightly

Late fee

N/A

Highlights

  • Make interest-free payments with Pay in 4.
  • Shop at your favorite brands and retailers, enjoy now and pay later.
  • There’s no impact to your credit score – you won’t have to wait long to see if you are approved.

Learn all about buy now pay later services

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