Buy now pay later services
Compare interest-free buy now pay later services available in the USA.
By Andrew Boyd | Updated Feb. 16, 2024
As seen on
Comparing buy now pay later services
On website
PayPal
Maximum loan amount
$30.00
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.
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.
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.
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.
Maximum loan amount
$1,000.00
Repayment
Four equal instalments paid fortnightly
Late fee
$5.00
Highlights
- Split any purchase into 4 installments over 6 weeks.
- Shop with Zip via their retail partners or anywhere Visa is accepted.
- Zip's instant approval decision process has zero impact on your credit score.
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.
