Opting for Klarna alternative apps and websites allows you to have multiple options when it comes to financing opportunities.
Despite Klarna being a popular choice with many retailers online and offline, some still do not support it when you are shopping on their portals.
With other buy now and pay later solutions like Klarna, you could finance your purchases seamlessly by opting for them without being bothered if Klarna is not one of the financing methods wherever you are shopping.
Best Klarna Alternatives Apps and Websites
Here below are apps and websites like Klarna you can use to buy now and pay later:
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PayPal Pay in 4
Limit
$1,500
Interest
0%
Credit Check
Soft
You can use PayPal Pay in 4 on many online shopping portals to finance items on buy now pay later terms, making it one of the best Klarna alternatives to opt for.
A brand with a name and huge presence at several retailers, this is one that gives you ample opportunities to purchase across multi-varying categories without being bothered by upfront payments.
Similar to the other Klarna alternatives on this list, PayPal pay-in-4 does not charge interest on your scheduled payments.
Though it has millions of merchants where you can use it for shopping, it is possible that your choice retailer does not have it on their platform. To allow you to still enjoy its pay-in-4 service, you can use the single-use virtual card it provides which can be used anywhere Mastercard is accepted.
Its buy now pay later service is usable online but with its one-time valid virtual card, you may be able to purchase offline by connecting to any digital wallet.
PayPal Pay in 4 provides financing for products that cost at least $30 but the maximum amount you can access cannot exceed $1,500.
For this provider to assign your profile purchasing power, it will conduct a soft credit check similar to many of the Klarna alternatives. Nevertheless, this soft check does not affect your credit score.
In addition to the benefits of its bi-weekly pay-in-4, there is a monthly payment plan that can allow you to spend up to $10, 000 called the PayPal Credit.
The PayPal Credit monthly plan which can extend to a period of 24 months comes at a yearly percentage rate of 9.99% up to 29.99% depending on how long your repayment is but it is at a 0% interest rate if you repay within four months.
Perpay
Limit
Varies
Interest
0%
Credit Check
None
Perpay is one of the Klarna alternatives to buy now and pay later, especially if you have a poor credit history.
Since it uses your income to determine your eligibility to access its BNPL service, it does not perform any kind of credit check.
This split-in-4 payment provider also has credit building implemented, which makes it a good alternative to building a healthy history.
The platform works with the major credit bureaus including Experian, Equifax, and TransUnion. To get your credit history reported to any of these CBs, you will need to be on its Plus plan which comes at a monthly cost.
Apart from your credit history getting reported to the credit bureaus to enable you to build a healthy credit stat, being on the Plus also gives you access to smaller payment options and higher spending limits as well as access to monitor your credit score growth on the go via your dashboard.
While it comes with a lot of perks using this provider, you must have a cart order value of $200 at minimum before you can checkout with Perpay. However, it allows anyone on the Plus plan to use the service when the item’s price is less than $200.
Signing up and having a purchasing power assigned requires you to be employed hence, you will not be able to use Perpay if your employment income cannot be verified as this Klarna alternative relies on your paycheck to determine eligibility.
Ensure to provide your verifiable net income as the payment before your order is prepared for shipment to your address is through payroll direct deposit that aligns with your employer’s pay cycle like weekly, or monthly depending on your employment contract.
Perpay services are accessible via its website and mobile apps and with its debit card, you can conveniently shop on more retailers’ platforms especially offline linking it to any of Apple Pay and Google Pay.
Affirm
Limit
$17,500
Interest
0%
Credit Check
Soft
Affirm is one name that cannot be left out when looking for Klarna alternatives you can use to split purchase payments.
It has very good coverage as well and you will most likely come across its brand logo when checking out your cart on many portals.
It is similar to Klarna as it also allows you to purchase your favorite items directly from its partnering merchants without having to leave its application.
This provider also provides the option to checkout with a one-time virtual card. Using this functionality, you can create a valid debit card that you can connect to shopping gateways when checking out on any website.
Its virtual card is also similar to Klarna’s card as using that, you can easily shop and checkout by splitting the cost into 4 scheduled payments on any shopping provider.
While Affirm might not have so many perks compared to paying with Klarna, the platform provides a savings plan that enables you to earn when you keep your money in its savings account.
It is a high-yield savings account that has an annual percentage yield rate of 2.5% which comes with no minimum and is free of fees. The good thing is that you get to enjoy your money increases daily as the interest is compounded per day using the daily balance method.
If you love the experience of shopping and accessing BNPL through a browser extension, Affirm is one of the Klarna alternatives that provide this.
With this extension, you can buy and easily schedule a payment in 4, see your purchasing power, and create checkout virtual cards all within your browser.
The virtual card might not be a convenient option especially when you want to use your purchasing power at an offline store. To make that easy, Affirm has a Debit+ Card that can be reused as much as you want.
This Affirm debit card comes in two forms, virtual and physical form which can be used to checkout at point-of-sales terminals as well as online payment gateways.
To get started shopping with Affirm, you will need to create your account via its website or mobile app and you will be able to access its buy now pay later service.
Afterpay
Limit
$600
Interest
0%
Credit Check
Soft
Afterpay is another good Klarna alternative that can help you spread your purchase payments into multiples.
This platform is also a very popular buy now, pay later platform which you are most likely to see when shopping many merchants.
Whether you want to buy a product and pay later online or in-store, Afterpay provides different models to access its services.
As common to many of the Klarna alternatives on this list, Afterpay provides a one-time valid virtual card you can use on millions of websites that do not support it directly on their platforms.
In addition, it has a multi-usable virtual card. This debit card is called the Afterpay Plus Card, it is a digital debit card that sits in your wallet and can conveniently be used at merchants’ locations that accept any of Apple Pay and Google Pay.
Owning the Afterpay card comes at a monthly cost, though it serves the purpose. You will have to pay a monthly maintenance fee of $5.99 to keep the card active.
When it comes to checking your credit information before giving you access to its BNPL feature, this Klarna alternative also performs a soft credit inquiry to help it determine how much limit will be assigned, especially if you are a first-time user.
It provides a cross-border shopping facility that enables you to buy items and pay later from some other countries, thanks to its operations in those countries. Afterpay hands the Foreign exchange conversion and pricing and you will only pay the price stated in your local currency with no additional charge.
Afterpay and Square share the same family as Square as both are within the Block Inc. family of brands hence, it is possible to see a lot of merchants that use Square as their channel of payment offering a buy now and pay later service option through Afterpay hence, owning an Afterpay account could open a lot of opportunities for you to easily spread payments at more merchant locations.
You can start shopping at your favorite merchants using Afterpay by signing up via its website or simply downloading its mobile app from the Google Play store or App Store depending on your device’s operating system.
Splitit
Limit
Varies
Interest
0%
Credit Check
None
Splitit is quite unique in terms of how it operates when compared to using Klarna for your payments.
A soft credit check is very common to BNPL providers but in the case of Splitit, this is relaxed through another model which involves determining your purchasing power by looking at your existing credit limit assigned by your credit card provider. It kind of gives your credit card the power to be used for buy now and pay later. And since it is interest-free, you will only bear the cost of owning the credit card which is not charged by Splitit but by your credit card provider.
Splitit operates as a checkout gateway buy now and pay later provider hence, you will be able to access its split payment service when buying from merchants that have it integrated into their shopping platforms.
Most times when you visit the Splitit interface, you will likely be handling back payment for your existing BNPL order as well as resolving issues when required.
Since its availability is based on its direct-to-merchant partnership, this BNPL provider does not offer the virtual card feature hence, you will not be able to shop merchants outside its ecosystem.
The brand has merchants spread across many countries, including the United States, the United Kingdom, Canada, Singapore, and over 50 countries which means that you will still have access to many merchants despite not providing a virtual card.
Splitit might not have many added benefits when compared to using Klarna for your payments, but turning your credit card into a buy now pay later tool means you will still be able to enjoy the benefits that come with using your credit card like cashback and other rewards.
Since this BNPL provider does not conduct any form of credit check before allowing you to buy now and pay later, it is a good alternative if you have a poor credit history but still have access to a credit card.
This Klarna alternative site is different in offerings as its services are offered through its partner merchants across over 50 countries hence, you will only visit the platform to monitor your BNPL orders and handle your installment payments.
You really don’t need to have a mobile app installed like the other Klarna alternatives apps and websites as it only provides a web interface and no mobile application yet for any Android and iOS-based devices.
Sezzle
Limit
Varies
Interest
0%
Credit Check
Soft
Sezzle is another good alternative buy now pay later platform when you do not want to shop using a Klarna account.
In terms of its reach, it allows you to shop on thousands of merchants’ portals with its pay-in-4 service once you have created your account with an assigned purchasing power.
It provides a feature that lets you compare item prices from multiple merchants hence, a good way to save on prices and make better decisions on products.
To allow you to shop offline, this platform provides a virtual card that you can conveniently link to your Apple Pay and Google for effortlessly checking out when you are in-store.
The virtual card works online when shopping on some platforms but might not work on your chosen retailer’s portal. Sezzle has a handful of partners that accept the card and you can check if the merchant you want to shop with accepts the virtual card by navigating to the Sezzle card section on your application.
For the in-store checkout option, Sezzle works similarly to many of the other buys now and pay later service providers as it requires you to link the virtual card to any of Apple Pay and Google Pay before you can start splitting your order payments into 4 shopping at merchants offline.
Sezzle also performs a soft credit check to help determine the purchasing power to be assigned to you. As you may already know, this credit check does not have an impact on your credit score.
With Sezzle, you can also build your credit and unlike some of the alternative split payment providers, it does not require you to pay an extra fee to be eligible for this addon. This service called the Sezzle Up requires you to upgrade your account by linking your bank account, confirming your KYC details by connecting your Social Security Number, and paying off at least one order before you will be able to start getting the healthy credit-building benefit that comes with your Sezzle account.
This Klarna alternative also offers a reward-based program that will enable you to earn loyalty points for every $1 spent. Every dollar spent will earn you 2 points and once you get up to 1,000 points, you will get $5 which will be added to your spend wallet. This can be used to pay a part of your next scheduled split payment.
Sezzle also has a premium package, this upgraded access comes with perks like the ability to shop premium brands, enjoy cashback on purchases, and free payment rescheduling amongst others. Enjoying this comes at a yearly price of $89.99 but if you want to try it for a few months, you can opt for its monthly $9.99 plan.
Bread Pay
Limit
$1,000
Interest
0%
Credit Check
None
Bread Pay is another good buy now pay later service you can choose aside from using your Klarna account.
It is a pay-in-4 service from Bread Financials that enables consumers to purchase items on payment plans across hundreds of its partnering merchants.
When using Bread Pay to complete payments online, you will see two options: first is the SplitPay which is more a buy now pay later option that allows four bi-weekly payments.
Its second option is the Bread Pay Instalment which works like a loan and you will have to repay at the end of every 30 days through the period of the contract.
The minimum cart value before you can use Bread Pay is $50 but you cannot exceed its maximum amount of $1,000.
When you are applying for credit through Bread Pay, it also performs a soft check as the other Klarna alternatives in order to determine your spending power. It will allocate a purchasing credit to you depending on the result of this soft check.
It is quite relatively young when you compare it to many of the Klarna alternatives on this list but with hundreds of merchants, you can check out effortlessly using your account.
As an alternative to enable you to shop on several other merchants’ portals, it is one of the BNPL service providers that offer split payment virtual cards which can be used to shop where it has no direct presence on the checkout page.
With this buy now pay later virtual card, you can also check out offline by connecting it to your digital wallet any time you want to pay at a retailer’s outlet offline.
Bread Pay might assist you in growing your credit score as it reports repayment activities to the credit bureaus.
Zip
Limit
$1, 000
Interest
0%
Credit Check
Soft
Zip, which was formerly called QuadPay is one of the well-known buy now pay later apps and a very good Klarna alternative when it comes to choosing a provider that has good coverage.
This BNPL platform has partnerships with thousands of merchants spread across multiple categories including grocery shopping, electronics, fashion, and travel to health amongst others. Having an account with Zip gives you ample opportunity to shop and enjoy BNPL service buying from different merchants.
Zip allows in-app shopping which is similar to Klarna and some of the other split payment providers. With that feature, you will be able to easily compare prices from different merchants selling similar products, make better decisions, and conveniently split the purchase payments into 4 schedules.
Similar to Klarna, Zip also provides a virtual card that can be used when you are shopping in-store. The one-time checkout-valid virtual card connects to an Apple Pay or Google Pay wallet and can be used anywhere any of the two wallets are accepted.
As available with Klarna and Affirm, Zip also provides a browser-based extension. This extension will activate the pay with Zip functionality when you visit a merchant that accepts Zip and with it, you can easily schedule pay-in-4 within the browser window when checking out on a shopping portal.
In terms of providing you with a physical card that you can use especially when traveling, Zip has this covered. This debit card is not connected to your purchasing power on the Zip platform but can be used by tapping, inserting, or swiping it while checking out at a merchant’s location. This card instead of connecting to all your purchasing power employs a prepaid model hence, you will need to specify the purchase amount to be added to the card from your purchasing power which gives it a kind of security against your funds.
This provider also performs a soft credit check on your profile to help determine the purchasing power to be assigned to you.
Its services are accessible through its website if you prefer shopping on your browser and to add to that, you can install the extension to enjoy its BNPL features from your browser with ease.
Nevertheless, there is a mobile app as well that you can use to shop on thousands of its merchants’ platforms. This app is available for Android and iOS-based devices.
Many online shopping platforms offer several options when it comes to consumer financing for products and services.
If you are browsing through products on a retailer’s portal with no option for you to use your Klarna account, there is no doubt you will see other financing options you can opt for.
With many buy now, pay later service providers, choosing one of the Klarna alternatives listed here could be of benefit considering the features that come with each of them.
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