Affirm offers two payment plans: Pay in 4 and an installment loan for bigger purchases. With Pay in 4, your purchase is broken down into four equal payments you pay every two weeks (you may or may not have to make the first payment at the time of purchase). The monthly installment plan, which is like a 澳洲幸运5开奖号码历史查询:personal loan, comes in re♎payment terms from 3 months to 60 months and inter﷽est rates between 0% and 36%.

Aff🐽irm is accepted by a quarter of a million merchants. You can make purchases using the app, an Affirm debit card, a one-time virtual credit card, or via a digital wallet (including Apple Pay). Payments come from a bank account you specify during𒁏 setup; autopay is optional.

Despite so much going for it, Affirm stumbles when it comes to customer satisfaction. In J.D. Power’s 2025 U.S. Buy Now, Pay Later Customer Satisfaction study, it scored 607 (out of 1,000), the lowest among the pure BNPL providers included in the study. On a positive note,🌌 its mobile apps earn high scores in both the Apple and Androi🌜d stores.

Since its founding in 2012, Affirm has processed 17 million transactions. Its headquar⛎ters are in San Francisco, California.

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Klarna offers four point-of-sale payment plans: Pay in 4, Pay in Full, Pay in 30, and Monthly. The monthly plan is an 澳洲幸运5开奖号码历史查询:installment loan with three- to 60-month terms and interest rates from 7.99% to 33🍸.99%. Pay in 4, and the others are interest-free. If you decide to use a virtual credit car🐷d (at a merchant that does not offer Klarna as an option, for example), you’ll be charged a one-time card fee of up to $3.

It’s good to know ༒you can use a virtual card nearly anywhere to split your payments with Klarna, but you may not need to very often. That’s because Klarna is accepted by 675,000 merchants. You can use Klarna through the app, through a browse𒊎r extension, and with a credit card. You can also pay using “Klarna Balance,” which is the store of cashback you earn for shopping with Klarna and any merchant refunds you’ve gotten.

Your payments to Klarna are automatically withdrawn from the payment method you choose (a debit card or a credit card). If you need more time, you can reschedule a 🐭payment later (once per order).

Klarna earns good ratings from online reviewers, and its mobile app is highly rated in both the Android and Apple stores. In J.D. Power’s 2025 U.S. Buy Now, Pay Later Customer Satisfaction study, it scored 638 (out of 1,000). That was the highest rating among pure BNPL services, but it was well below the top-rated service in the study, American Express’s “Plan-It,” at 706.

Klarna was founded in Stockholm, Sweden, i𝕴n 2010.🎃

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PayPal offers two 澳洲幸运5开奖号码历史查询:point-of-purchase paymenꦡt plans with its service: Pay in 4 and Pay Monthly. Pay in 4 is the no-interest payment plan that you can use for purchases between $30 and $1,500 and pay off in six weeks. Pay Monthly covers purchases from $49 to $10,00 that you can pay off in 3,6,12 or 24 months (at interest rates from 9.99% to 35.99%).

You can use PayPal’s BNPL service just about everywhere—and in any currency PayPal supports. Payments come from an account you determine at signup: a debit card, credit card, bank account, or PayPal Balance. Purchases come with PayPal’s “Purchase Protection,” which can help you get a refund if a product doesn’t𝔉 🧜arrive or is significantly different from what you expected.

PayPal Pay in 4 finished about middle of the pack for pure BNPL services in J.D. Power’s 2025 U.S. Buy Now, Pay Later Customer Satisfaction study; it scored 621 (out of 1,000). Online reviewers ha🦄ve not been kind to PayPa♕l, but mobile app users have given the service high scores in Android and Apple stores.

PayPal was founded in 1998 (as “Confinity” and l🔥ater renamed). Since that time, it has processed more than 25 billion digital transactions. Today, it is headquartered in San Jose, California.

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Cash App Afterpay offers two point-of-sale payment plans: a Pay-in-4 plan and a Pay-monthly plan. Pay in 4 breaks your purchase into four payments over ꦦsix weeks (the first payment is made at the time of purchase). The monthly plan is for larger purchases (up to $5,000 with select merchants) and is repaid monthly over six or 12 months. 

Cash App Afterpay is accepted by 425,000 merchants. To use the app in-store, you must create an Afterpay Card digital credit card ಞand add it to your smartphone’s digital wallet.

Cash App Afterpay charges no setup fees or interest for Pay in 4 purchases. Monthly plans charge interest between 0%–35.99%. The service offers many ways to repay, including debit and credit cards, bank accounts, digital wallets, and pre-paid cards for one-time payments. Autopay is optional, although opting in is a good idea because Cash App Afterpay charges a fee of up 🅷to $8 per late payment. The app delivers reminders to help you stay on track, and you can reschedule one payment per order (but not the first or the last ones) should you need more time.

Cash App Afterpay has gotten strong online reviews, and its mobile app is highly rated in the Apple and Android app stores. In J.D. Power’s 2025 U.S. Buy Now, Pay Later Customer Satisfaction study it scored 617 (out of 1,000)—in the lower third of pure BNPL apps reviewed and well behind the study’s leader (‘Plan It’ from American Express). Our researchers rated the website experience a 4 (out oไf 5). The site’s coll൩ection of FAQs is broad and deep. Users can find answers to most issues with a simple search. (Investopedia’s scoring model rewards companies that are transparent with their policies.)

Cash App Afterpay is a partnership between the diversified fintech Cash App and BNPL service Afterpay. Cash App was founded in 2013 and is heꦺadquartered in New York, New York. Afterpay was founded in 2012 and is based in Melbourne, Victoria, Australia.

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Sezzle lets you split payments in several different ways: Pay in 2, Pay in 4, and Pay Monthly. Pay in 2 and Pay in 4 are no-interest payment plans, although you will pay a finance charge, w♉hich is . Pay Month꧙ly is an installment loan you repay over three to 48 months. Pay Monthly loans are offered through Sezzle’s partner, Bread. Interest rates and other terms are not disclosed, so review your offer in the app carefully.

Sezzle is accꦇepted at 40,000😼 merchants. With a Sezzle one-time or multiple-use virtual credit card, you can split payments with Sezzle virtually anywhere.

You pay off your split Sezzle payments with a credit or debit card or via ACH from a bank account. One of Sezzle’s many fees is a “Late Saver” fee that may be charged if a bank account is not set as your default payment option. A bank account is also required to participate in Sezzle’s “Sezzle Up” program. It offers users 澳洲幸运5开奖号码历史查询:credit monitoring and credit score improvement too🙈ls. Moreover, Sezzle will report Sezzle Up users’s on-time payments and current balances to the credit bureaus, improving your credit score if you make timely payments.

Sezzle has earned generally positive ratings from online reviewers, and its mobile app is highly rated in both the Android and Apple stores. In J.D. Power’s 2025 U.S. Buy Now, Pay Later Customer Satisfaction study, it scored 615 (out of 1,000), near the bottom of the results. Inves🔥topedia researchers gave low marks for both the online experience 🎃and the educational resources available (2 out of 5).

Sezzle was ♍founded in 2016 an▨d is based in Minneapolis, Minnesota.

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