Buy now pay later apps for Amazon give you the flexibility to purchase your favorite items and conveniently spread payments in installments.
Having to pay a lump sum after purchasing on Amazon at times can be daunting, especially when you need funds to tidy up some other personal needs.
However, with any of the split payment apps for Amazon, you can spread the payments and conveniently pay in bits for weeks, allowing you to use your funds for other projects which could have been difficult to handle if you paid Amazon in full.
Best Buy Now Pay Later Apps for Amazon
Here below are the top buy now pay later apps and websites you can use for shopping on Amazon:
Amazon Monthly
Max. Amount
Varies
Usage
Direct
Tip: Amazon provides an amazing service that allows you to buy many products and pay the cost for them in monthly installments. You may be able to access this depending on your usage of Amazon and eligible products.
Considering the amazing terms that come with this, you cannot have a list of the best buy now pay later for Amazon without mentioning this from the provider.
However, you may not be able to use it to finance some items as not all qualify within the category of Amazon monthly payment items.
It is an interesting way to buy your favorite products and spread the cost of the purchase into monthly installments with the down payment due on the first day.
This option also utilizes the four installments model but it is quite different from the conventional split payment companies as this will not charge your payment method on a bi-weekly basis but rather, every 30 days.
If you are eligible for this service on Amazon, you can buy the products and pay for them back in four installments up to 120 days.
The Amazon monthly payment option is interest-free, available to selected customers who are regular users of the shopping platform, and can only be used on qualifying products.
Affirm
Max. Amount
$20,000
Usage
Direct
Tip: Affirm is directly available on Amazon for you to use to buy now and pay later for any product provided your shopping credit can handle it.
With direct-checkout support, you cannot mention the best buy now pay later apps for Amazon shopping without Affirm.
Affirm is directly integrated into Amazon hence, you can use it at the point of checking out by simply selecting the pay over time with the Affirm radio button.
Similarly to Klarna, this BNPL app for Amazon allows you to shop and pay every two weeks with no interest but not exceeding four times.
Though for high-value items, you can spread the payments into months, it comes with a cost nevertheless. There is a 15% APR on such a schedule.
Despite allowing you to activate BNPL directly on Amazon by selecting the pay with Affirm button, you can choose not to use that option and instead, make use of your virtual card provided by Affirm.
In case you are a fan of good shopping extensions, Affirm also has a browser extension to enable you to easily access the buy now pay later feature while on any shopping site.
Tip: you can buy any product on Amazon and pay with your PayPal Pay in 4, Klarna, PayTomorrow, and Acima using Abunda. Simply copy the product link and paste it into the search field and you will be able to get it on payment plans.
Abunda allows you to buy now and pay later on Amazon using your PayPal account. Also, you can use your spending power given by Klarna and ViaBill on its marketplace through Abunda.
If you prefer to lease, this platform gives you that opportunity as it supports the use of Acima credit to lease to own products on Amazon.
It is unique as it offers a shopping interface aggregating products from Amazon you can buy directly on its portal and split the payments.
Since you do not need to visit Amazon to complete the checkout process, Abunda handles the main purchase and takes care of the delivery of the item to your provided address.
It has partnerships with BNPL providers that include Klarna, PayPal, Acima, and ViaBill. Having an account with any of its credit providers will enable you to shop for items on Amazon and split payment by connecting to any of the listed partners at the point of checking out.
The line of credit you can access differs depending on the payment method selected when completing the purchase process but you can be approved for an amount up to $15,000 using the PayTomorrow option, divided into bits weekly or monthly payments based on your preferred selection.
To use Abunda for shopping, simply visit its platform and look through its listing aggregated from Amazon to see the items of choice.
Better still, you can copy an Amazon product link and paste it into the search field. Once you submit it, Abunda will show a page with the details and it will be available for BNPL order.
Klarna
Max. Amount
Varies
Usage
Alternate
Tip: Klarna allows you to buy on Amazon through alternative routes like its in-app shopping feature, virtual card, and browser extension.
Klarna is one of the best ‘buy now pay later’ apps for Amazon shopping that you should consider for installment payments.
With its mobile application, you can access Amazon products, add them to your cart, checkout, and split the purchase into four convenient payment schedules.
It uses a model that allows you to pay through a virtual card which is auto-generated by Klarna at the point of providing your billing information.
This virtual card is tied to your account and while Klarna will take charge of the full payment to Amazon once you check out, you are expected to pay a part immediately and the rest will be charged to your line of credit every two weeks until completion and up to a maximum of 6 weeks.
Aside from its mobile app, another way you can use Klarna as your buy now pay later option on Amazon is via its browser extension.
You will need to install this on your browser, say Google Chrome, log in, and access the Amazon shopping portal. At the point of checking out, it auto-activates to enable you to split your payments and it also allows you to save by suggesting cheaper alternatives to the products being viewed.
Zip
Max. Amount
$1,000
Usage
Alternate
Tip: you can use your Zip account to get items on Amazon by shopping through the app, generating a single-use card, and its browser extension.
Zip is one of the best buy now pay later apps for Amazon that utilizes a unique model similar to Klarna.
While Amazon Australia has Zip Pay functionality when checking out, the pattern of usage is quite different in the US if you want to spread your order costs.
Akin to other BNPL apps for Amazon on this list, Zip allows you to split the purchase payments into four, payable in six weeks starting from the day of checkout.
Since there is no direct integration for Zip in the United States, you can shop on Amazon directly through the Zip application.
Search for Amazon on the mobile app, visit and shop normally, and proceed to checkout. Once on the billing page, click the Pay with Zip button at the footer.
Virtual card information will be generated and filled in for you to enable you to check out while you repay overtime in six weeks (every 2 weeks) conveniently to Zip.
There is also a Chrome extension for this Amazon BNPL app and you can install it for splitting payments while browsing and shopping through the Google Chrome browser.
Afterpay
Max. Amount
$1,500
Usage
Alternate
Tip: you can use your Afterpay shopping power on Amazon through its one-time virtual valid or get a gift card from one of its retail partners by searching through the Afterpay app.
Afterpay is also one of the popular buy now pay later apps for Amazon you can use for handling purchase payments on Amazon.
It also offers you the opportunity to create virtual shopping cards you can use to pay later for your purchases on Amazon.
Another method is purchasing gift cards from one of its retail partners. You can get an Amazon shopping gift card ranging from a value of $5 up to $500 that you can use to complete the checkout process.
Search for Amazon on the mobile app or web portal, the gift card result will be shown you can click to see the available denominations.
Get the value that meets your purchase amount up to your total allowable credit. The selected voucher code can then be used on Amazon through the gift card payment option.
This e-gift card is usually delivered to your preferred email. It will come from an Afterpay gift card partner.
Zilch
Max. Amount
$1,000
Usage
Alternate
Tip: Zilch works uniquely compared with the other buy now pay later apps for Amazon as it only provides a virtual debit card you can use for handling payments.
Zilch is one of the buy now pay later apps for Amazon shopping that provides BNPL virtual cards you can use to checkout your order.
It is an interesting split payment provider with amazing perks to keep you glued to its platform.
When shopping, you can decide to pay in full using your Zilch account and earn 2% cashback across its merchants’ portals or simply split the product cost into 4 installment payments.
You also get to earn rewards when you bring your friend to the platform to create a cluster of family. A reward is usually valued at one cent, meaning you will need to earn 100 Zilch rewards to get $1.
To use this BNPL provider on Amazon, simply add items to your cart, proceed to the checkout page, and provide your Zilch virtual card information to make payments.
Before actually adding the card information, ensure to unlock the virtual card for debit as it is auto-locked when not in use. Simply visit your dashboard and access the card section to turn it on for shopping.
Laybuy
Max. Amount
Varies
Usage
Alternate
Tip: Laybuy provides a virtual card just like most of the buy now pay later apps for Amazon that you can use to spread the cost of your purchases.
Laybuy is another interesting platform and one of the buy-now-later apps for Amazon shopping.
The platform which is tied up with many merchants allows you to shop effortlessly when checking out directly on many shopping portals.
In terms of how it offers the experience on Amazon, it comes with a virtual card that you can use to complete your payment on Amazon.
The non-interest card is not just valid on Amazon but can also be used to checkout on thousands of platforms hence, gives you the opportunity to buy from your favorite merchants and split payments into four installments.
Aside from the virtual card, another good reason you might want to consider using Laybuy when shopping on Amazon is its Boost, a feature that will allow you to spend more than your assigned purchasing power.
While many of the buy now pay later apps for Amazon give you the chance to enjoy four installments, there is no doubt Laybuy’s pay in 6 brings so much convenience especially when you have other needs to meet.
Sezzle
Max. Amount
$1,500
Usage
Alternate
Tip: with your Sezzle account, you can buy now and pay later on Amazon by shopping through the in-app functionality the platform provides.
Sezzle is another good alternative you should have on your list of buy now pay later apps for Amazon which you can use for splitting your purchase payments into four installments.
To buy products on Amazon with your shopping power, you will need to go through the Sezzle in-app feature and search for the store name to start the journey.
Once you are fine with the items added to your cart, you can select the Pay with Sezzle button at the bottom of your app to complete the order.
In terms of coverage aside from using it from the app, you can shop on thousands of retailers’ platforms with this pay-in-4 provider if you have enough shopping credits assigned.
To also enable you to save on purchases, you can easily access products from its merchants and compare them seamlessly within the app in order to save costs.
The platform has a presence across several online shopping portals and with its virtual card, you may be able to use it to shop offline at select retailers connecting it to your digital wallet.
Sezzle also helps you to build your credit unlike some of the other buy now pay later apps for Amazon.
The credit-building functionality does not require you to pay an extra fee to enjoy this. Called the Sezzle Up, it requires you to just upgrade your account by connecting your bank account, adding your Social Security Number, and paying off at least one order before you will be able to enjoy the added benefits of credit-building that comes with your account.
Perpay
Max. Amount
$1,000
Usage
Alternate
Tip: Perpay provides a shopping credit card you can use to spread the cost of payments on Amazon into four installments.
If you are worried about your bad credit history and not sure if the buy now pay later apps for Amazon mentioned here will not give you shopping power, you may want to consider Perpay.
Perpay does not perform any kind of credit check to determine your first split purchase eligibility as your limit is based on your income.
One of the good reasons you might want to choose Perpay and not the other buy now pay later apps for Amazon is its easiness in helping you build good credit score and your limit increases as you continually use the platform and pay back within your tenor.
The credit building feature provided by Perpay requires you to be on its Plus plan. This has a monthly cost but will only be charged when you use its pay-later service for shopping.
The platform reports your your credit history to the major credit bureaus including Experian, Equifax, and TransUnion.
Apart from Perpay reporting your financing activities to the credit bureaus based on your usage to help you build a healthy credit profile, being on the Plus also gives you access to smaller payment options and higher spending limits. You will also have access to monitor your credit score growth on the go via your dashboard.
If you are within its regular account type, your purchase cart value when shopping on Amazon must be up to $200 before you can use your purchasing credit but for Plus users, it allows for value less than that amount.
With good options from this list of buy now pay later apps for Amazon, you can conveniently split your shopping payments and set aside some funds for other things that need attention.
