In 2025, Buy Now, Pay Later (BNPL) services have become more than just a payment option — they’re a lifestyle tool. Whether you’re eyeing the latest iPhone, upgrading your living room, or covering unexpected medical bills, flexible financing apps help you spread costs over time without maxing out your credit card.
Among the most recognizable names in this space is Klarna, a pioneer in reshaping how people shop and pay. Known for its sleek app and partnerships with major retailers, Klarna lets users split purchases into smaller, interest-free payments — often with no credit check required. Sounds great, right?
But here’s the truth: Klarna isn’t always the perfect fit for everyone.
Some users want longer repayment plans. Others need financing without touching their credit score. A few want more merchant options, or features like reward points, healthcare financing, or even global acceptance. That’s where Klarna alternatives step in — offering features that Klarna either lacks or doesn’t prioritize.
In this guide, we’ll break down the top Klarna alternatives in 2025 — from apps that give you more control over how and when you pay, to platforms better suited for healthcare, business purchases, or international use. Whether you’re looking for 0% interest, no credit checks, or apps that support your favorite stores, this article will help you choose the right BNPL tool for your unique needs.
Quick Overview of Features of Klarna App
- Payment in installments – Customers can pay for their purchase in monthly installments with Klarna’s credit offer.
- Pay now – Customers can choose to pay for their purchase at checkout with Klarna’s credit offer.
- Pay later – Customers can choose to pay for their purchase within a defined time after the checkout without any hassle.
Also Read: Apps like Earnin
Quick Overview: Top Klarna Alternatives in 2025
Here’s a snapshot of the most trusted and user-friendly Klarna alternatives available in 2025. Whether you’re after instant approval, interest-free payments, or specialized financing (like for healthcare or big-ticket items), this table helps you compare the top contenders at a glance.
| App Name | Interest Rate | Credit Check | Best For | Standout Feature |
|---|---|---|---|---|
| Affirm | 0%–36% APR | Soft | Large purchases | Transparent pricing, no late fees |
| Credee | Varies; offers 0% deferred interest plans | No | Bad/no credit users | 97% approval rate + healthcare + retail support |
| Afterpay | 0% for Pay-in-4; up to 35.99% APR for monthly plans | No | Everyday shopping | In-app card + huge retail network |
| Sezzle | 0% for Pay-in-4; up to 34.99% APR for monthly plans | Soft | Students, new credit users | Free rescheduling, 30K+ stores |
| Splitit | 0% (no additional interest or fees) | No | Existing credit card users | No applications or interest |
| Zip (Quadpay) | 0% for Pay-in-4; 11.99%–21.99% APR for personal loans | No | Online + in-store shopping | Accepted at any Visa-accepting store |
| QuickFee | Varies with loan term; interest margin of 6.50% plus SOFR/BBSW | No | Professional services | Flexible monthly billing |
| CareCredit | 0% if paid within promotional period; 32.99% APR otherwise | Yes | Healthcare needs | Up to 60-month plans for large expenses |
| iCare Financial | 0% | No | Dental, vet, & wellness financing | In-clinic sign-up, instant approval |
| Cleargage | 9.99%–34.99% APR | No | Patient-focused payments | Patient and provider-friendly plans |
If you’re looking for broader use across shopping and healthcare — Credee and Affirm are standout all-rounders. For healthcare-specific needs, CareCredit or iCare Financial offer targeted solutions with flexible terms.
Also Read: Top Apps like Airbnb
10 Best Klarna Alternatives (Ranked by Use-Case)
Now let’s dive into the heart of the article — Best Klarna Alternatives (Ranked by Use-Case). This section breaks down the top alternatives not just by popularity, but by how they actually fit different users’ needs.
1. Best Overall BNPL App: Affirm
If you want a Klarna alternative that works for just about everything — from tech gadgets to travel bookings — Affirm is the most well-rounded option out there.
Why It Stands Out:
- Transparent pricing: No late fees, no hidden charges.
- Flexible terms: Pay over 3, 6, or 12 months.
- Wide acceptance: Available at big retailers like Walmart, Target, Peloton, and Expedia.
- Soft credit check only: No damage to your credit score just to see your offers.
Affirm is great for big-ticket items. You’ll always see exactly what you’ll pay upfront — and you can even choose your own repayment plan based on your budget. If Klarna feels too limiting or short-term, Affirm gives you breathing room.
Best for: Transparent pricing, large purchases, longer-term payments.
You might like looking into the list of Top 50 Apps Like Affirm
2. Best for Instant Approval: Credee
If you’re worried about credit checks or past financial history, Credee offers an incredibly accessible path to BNPL financing.
Why It Stands Out:
- 97% approval rate.
- No credit check at all.
- Multiple flexible plans like SimpleeFi and Deferred Interest (0% for 12 months).
- Works across retail, healthcare, and service sectors.
Credee is perfect for users with no or low credit, or those who need help financing larger purchases without jumping through hoops. It even integrates with service providers, not just online stores — making it useful beyond just eCommerce.
Best for: Low-credit users, healthcare payments, multi-industry support.
Also read our trending guide on Apps Like Fetch Rewards For Cashback
3. Best for Healthcare Expenses: CareCredit & iCare Financial
Health emergencies and procedures can’t always wait — and traditional credit cards aren’t always flexible. That’s where CareCredit and iCare Financial shine.
CareCredit Highlights:
- 6, 12, 18, or 24-month interest-free options (on $200+).
- Extended terms up to 60 months for bigger procedures.
- Ideal for dental, vision, cosmetic, pet care, and wellness.
iCare Financial Highlights:
- Instant approval with no credit check.
- Set up through service providers like dentists or vets.
- Monthly installment plans tailored to each user.
Best for: Dental, cosmetic, veterinary, and wellness care financing.
4. Best for In-Store Shopping: Afterpay
Need to shop both online and offline? Afterpay is one of the most widely accepted BNPL apps at physical retail stores.
Why It Stands Out:
- 16M+ users globally.
- Accepted at 63,000+ stores.
- Use Afterpay Card for contactless in-store payments.
- No interest, no fees (if payments are on time).
It’s a great Klarna alternative if you want flexibility at the checkout counter or prefer shopping in person. Plus, there’s no credit check, making it ideal for younger shoppers too.
Best for: Fashion, lifestyle, and in-store shopping.
5. Best for Students & New Users: Sezzle
Looking for a beginner-friendly BNPL option? Sezzle is designed to be accessible and forgiving.
Why It Stands Out:
- 4 interest-free payments over 6 weeks.
- Soft credit checks only.
- Payment rescheduling is free (once per order).
- Used by over 7 million people across 30,000+ stores.
Sezzle is ideal for smaller, everyday purchases — and a great starting point if you’re new to BNPL. Its flexibility makes it perfect for students, part-time earners, and those still building credit.
Best for: Students, everyday purchases, credit-building.
Have a look at: Top 50 Apps Like Sezzle | Sezzle Alternatives
6. Best for Using Existing Credit Cards: Splitit
If you already have a credit card with available balance but want to split payments without taking a new loan, Splitit is your go-to Klarna alternative.
Why It Stands Out:
- No applications, no new accounts — just use your existing Visa or Mastercard.
- 0% interest if you pay off your credit card in time.
- No late fees or penalties.
- Payments can be spread over 3 to 12 months.
Splitit doesn’t require a credit check because it doesn’t issue credit — it simply “reserves” the total purchase amount from your card and releases it gradually as you pay in parts. That means you get the flexibility of BNPL with the credit history of your existing card.
Best for: Responsible credit card users who want installment flexibility without applying for a new financing service.
Also have a look at: 20 Best Sites Like Zebit to “Buy Now Pay Later”
7. Best for Online + In-Store Shopping: Zip (Formerly Quadpay)
Need a BNPL solution that works whether you’re buying a hoodie from an indie boutique or groceries from a big-box store? Zip is all about versatility.
Why It Stands Out:
- Four interest-free payments over six weeks.
- No hard credit check.
- Works with any retailer that accepts Visa — online or in-store.
- App-based virtual card lets you shop anywhere, instantly.
Zip is especially convenient because it doesn’t rely on merchant partnerships. Just use the Zip card at checkout and you’re good to go — perfect for spontaneous or off-the-grid purchases.
Best for: Online/offline hybrid shoppers and those who want a universal BNPL solution.
Also read: Top Cash Advance Apps Like MoneyLion
8. Best for Professional Services: QuickFee
Not all buy now, pay later apps are built for shopping. QuickFee is tailored for professional and service-based industries like legal, accounting, and consulting.
Why It Stands Out:
- Pay invoices or service fees over 3, 6, 9, or 12 months.
- 0% interest on some plans.
- No hard credit checks.
- Designed specifically for B2B and professional services.
If you’re a freelancer, small business owner, or just hiring services that aren’t on eCommerce platforms, QuickFee makes high-cost services more accessible — without the stress of upfront payments.
Best for: Entrepreneurs, freelancers, or anyone paying for high-value services.
Also read: Top Cash Advance Apps Like Dave & Alternatives
9. Best for Patient-Centered Financing: Cleargage
Healthcare costs can be unpredictable — Cleargage offers a smoother, more flexible way to handle them.
Why It Stands Out:
- Tailored payment plans for patients.
- No interest on many installment options.
- No credit check required.
- Also helps healthcare providers collect reliably.
Whether you’re managing unexpected dental costs or recurring medical bills, Cleargage puts you in control with a no-pressure repayment experience — especially useful for families and uninsured individuals.
Best for: Medical expenses, family care, and people without strong credit history.
10. Best for Hassle-Free Health Financing: iCare Financial
Rounding out the list is iCare Financial, which is built to remove the friction from financing medical, dental, and even veterinary care.
Why It Stands Out:
- Instant approval with no credit checks.
- Works directly through your healthcare provider.
- Down payment required, followed by manageable monthly installments.
- Supports providers as well — making it a win-win.
iCare is one of the few BNPL systems that doesn’t require you to sign up online — instead, you apply and set up your plan right at your dentist, doctor, or vet’s office.
Best for: Hassle-free healthcare financing with local providers.
Another 10 Apps Like Klarna For Specific Purposes
Let’s know about more Klarna alternatives, focusing on their key features, pros, and ideal user scenarios. Some of these are niche or lesser-known, but they each bring something unique to the BNPL landscape.
11. PayPal Credit: Best for Existing PayPal Users
PayPal Credit is a digital line of credit linked to your PayPal account, allowing you to shop now and pay later at millions of online stores.
Why It Stands Out:
- Offers 6 months of no interest on purchases over $99 (if paid in full).
- Integrates with your existing PayPal checkout — no need for a new app.
- Instant access to revolving credit line.
If you already use PayPal, this is a seamless upgrade for financing. It’s more like a credit card, so it’s better for users who are confident managing revolving credit.
Best for: Loyal PayPal users and those comfortable with revolving credit.
12. GoCardless: Best for Subscription & Recurring Payments
GoCardless isn’t your traditional BNPL app — it’s a direct debit solution designed for businesses managing recurring payments like SaaS subscriptions or memberships.
Why It Stands Out:
- Pulls payments directly from your bank account.
- Great for automated billing and installment collection.
- Used by over 75,000 businesses globally.
It’s not ideal for consumer shopping, but perfect for businesses or service providers who need consistent and reliable customer payments.
Best for: Businesses handling recurring billing or subscription services.
13. Four: A Flexible BNPL Solution for Shoppers
Four (https://paywithfour.com) is a trending Buy Now, Pay Later (BNPL) service that offers a simple and transparent way to split purchases into four interest-free payments. Designed to provide financial flexibility, Four allows users to shop at participating retailers without the burden of upfront costs or high-interest rates.
How Four Works
Four follows a standard BNPL model, making it easy for shoppers to manage payments:
- Shop at Partner Stores – Customers can select Four as their payment option at checkout.
- Make the First Payment – The total cost is divided into four equal payments, with the first installment due at the time of purchase.
- Automatic Installments – The remaining three payments are automatically deducted every two weeks, making repayment hassle-free.
Key Features of Four
- No Interest Fees – If payments are made on time, users enjoy an interest-free shopping experience.
- Soft Credit Check – Unlike traditional loans, Four conducts only a soft credit check, making it accessible to more users.
- Quick & Easy Approval – The approval process is instant, allowing users to complete transactions within minutes.
- Wide Retail Acceptance – Four partners with a variety of online merchants, providing customers with multiple shopping options.
- No Hidden Fees – Users can see their full repayment schedule at checkout, ensuring complete transparency.
14. Zilch
Founded in 2018, Zilch is a UK-based fintech company offering a unique BNPL experience. Unlike traditional BNPL services that partner directly with retailers, Zilch provides users with a virtual Mastercard, allowing them to shop anywhere Mastercard is accepted.
Key Features:
- Flexible Payment Options: Users can choose to pay 25% upfront and split the remaining balance over six weeks interest-free, or pay in full and earn rewards.
- Rewards Program: Zilch offers cashback and rewards on purchases, enhancing the shopping experience.
- Credit Reporting: The company has partnered with credit reference agencies to report payment behaviors, helping users build their credit profiles.
- No Hidden Fees: Zilch is transparent about its fee structure, ensuring users aren’t surprised by unexpected charges.
Recent Developments:
As of December 2024, Zilch reported reaching 4.5 million customers, with over £3.6 billion in total sales. The company has also expanded its services to the U.S., opening an office in Miami and appointing Albert Periu as CEO of Zilch USA.
Considerations:
Availability: Initially launched in the UK, Zilch has expanded to the U.S., but availability may still be limited in other regions.
Credit Impact: While Zilch performs soft credit checks that don’t affect credit scores, missed payments can be reported to credit agencies, potentially impacting credit ratings.
15. Fingerhut: Best for Credit Building with BNPL
Fingerhut is a catalog-style online retailer offering financing on a wide selection of products — even to people with poor or limited credit history.
Why It Stands Out:
- Reports to major credit bureaus, helping you build credit.
- Flexible monthly payment options.
- Offers exclusive products for account holders.
It’s a good Klarna alternative if you’re looking to both shop and slowly improve your credit over time. However, product prices are often higher than market average.
Best for: Credit-building shoppers with limited credit history.
16. Partial.ly: Best for Custom Payment Plans (for Merchants)
Partial.ly lets businesses offer custom payment plans to customers through Shopify, WooCommerce, and more.
Why It Stands Out:
- Merchants set terms: down payments, frequency, etc.
- Great for high-ticket service-based businesses.
- Customers can pay over time while businesses get paid upfront.
While it’s not a consumer-facing BNPL app in the traditional sense, it’s incredibly valuable for eCommerce brands or agencies that want to offer flexible payments.
Best for: Merchants offering installment options directly on their websites.
17. FuturePay: Best for Revolving Line Without a Card
FuturePay offers a digital revolving credit line — like PayPal Credit — without requiring a physical credit card.
Why It Stands Out:
- Access funds instantly at checkout.
- Monthly minimum payments or full payoff — you choose.
- No traditional credit card required.
It’s flexible, but interest applies if you carry a balance. It’s a good option if you want ongoing purchasing power, not just one-time BNPL.
Best for: Frequent online shoppers who want reusable credit.
18. ViaBill: Best for Smaller Purchases with Simple Terms
ViaBill is designed for smaller online purchases and aims to keep things simple: buy now, pay in 4 equal monthly payments.
Why It Stands Out:
- No hidden fees or interest if you pay on time.
- No credit check for basic users.
- Focuses on simplicity over frills.
It’s perfect for students or anyone making everyday purchases who doesn’t want complexity or credit checks.
Best for: Small-budget shoppers looking for no-fuss payment plans.
19. Laybuy: Best for Weekly Payments
Laybuy lets users split payments into 6 weekly installments, making it one of the most frequent-payment BNPL options.
Why It Stands Out:
- Weekly payments reduce financial strain.
- Soft credit checks.
- Interest-free if you pay on time.
Laybuy works great if you get paid weekly or bi-weekly and want to align payments with your cash flow.
Best for: Users with weekly income cycles and smaller purchases.
20. Littlewoods: Best for UK Shoppers with Catalog Credit
Littlewoods is a UK-based online retailer offering flexible financing across thousands of products, especially for electronics and home goods.
Why It Stands Out:
- Buy now, pay later options with interest-free periods.
- Credit accounts available to qualifying UK customers.
- Well-established catalog store with decades of credibility.
It’s like a legacy version of Klarna for the UK market.
Best for: UK shoppers who want traditional catalog-style shopping with flexible financing.
How to Choose the Right BNPL App
With so many “Buy Now, Pay Later” apps flooding the market in 2025, it’s easy to feel overwhelmed. While Klarna and its alternatives all offer some version of split payments, not all BNPL services are created equal — and what works for one shopper may not work for another.
Here’s a smart checklist to help you narrow it down based on what actually matters to you:
1. What Are You Using It For?
Different BNPL apps specialize in different categories.
| Use-Case | Best BNPL App |
|---|---|
| Electronics, gadgets, or big purchases | Affirm, Credee |
| In-store fashion or lifestyle items | Afterpay, Zip |
| Healthcare or pet care | CareCredit, iCare Financial |
| Small, everyday purchases | Sezzle, Zip |
| Subscription or business services | QuickFee, GoCardless |
Tip for you: Make sure the app is accepted at the stores or providers you frequent.
2. How Flexible Are the Payment Terms?
Not all apps offer the same repayment structures. Look for:
- Short-term plans (e.g., 4 payments over 6 weeks) – good for small, casual buys.
- Long-term plans (3–36 months) – better for expensive purchases.
- Deferred interest options – like Credee or CareCredit, which offer 0% interest if paid within a certain time frame.
Tip: If you need more time or lower monthly payments, opt for longer-term financing apps like Affirm or Credee.
3. Does It Require a Credit Check?
Credit impact can be a dealbreaker — especially for students, first-time borrowers, or those repairing credit.
| Credit Check Requirement | BNPL Apps |
|---|---|
| No Credit Check | Credee, Afterpay, Splitit, iCare Financial |
| Soft Credit Check | Affirm, Sezzle, Zip |
| Full Credit Check | CareCredit (in some cases) |
Needed Tip: If you’re concerned about your credit score, choose a no-check or soft-check app.
4. What Happens If You Miss a Payment?
Missed payments can lead to fees — or worse, damage to your credit score. Always check:
- Late fee policy – some apps (like Affirm, Splitit) don’t charge any.
- Grace period – does the app allow one-time rescheduling or reminders?
- Credit reporting – Sezzle, Affirm, and others may report missed payments.
Must Know Tip: If you’ve got an unpredictable income, look for apps with flexible repayment management or rescheduling features.
5. Does the App Offer Any Extras?
Some BNPL platforms now go beyond just financing:
- Rewards & loyalty – Affirm and Zip sometimes offer user perks.
- Healthcare financing – CareCredit, Credee, and iCare focus on wellness.
- Website integration or API – helpful if you’re a business using tools like QuickFee or GoCardless.
Your Tip: Consider long-term value, not just the payment split. The extras can save you more than just money.
Conclusion
To make it easier for customers to make purchases on their websites, many retailers have partnered with buy now, pay later (BNPL) apps. These BNPL apps are similar to credit cards in that they allow you to purchase something today and pay for it later. One of the most significant differences is that many do not charge interest as long as you make your scheduled payments.
The BNPL apps are simple to use, have low fees and interest rates, and have credit limits sufficient for everyday purchases. To assist readers in locating the best BNPL apps, we researched and reviewed the top buy now, pay later services to determine which ones work best for a wide range of consumers.
FAQ’s
BNPL is a financing option that lets you split your purchase into smaller, interest-free or low-interest payments over time. Instead of paying the full amount upfront, you can make installments while still receiving your product immediately.
It depends on the provider. Some BNPL apps conduct a soft credit check (which doesn’t impact your score), while others perform a hard credit check that may temporarily lower your credit score. Late payments on BNPL accounts can also negatively impact your credit history.
Most BNPL services charge late fees if you miss a payment. Some, like Affirm, do not charge late fees but may report missed payments to credit bureaus, affecting your score. Always check the provider’s terms before signing up.
Some BNPL apps, like Afterpay and Sezzle, offer interest-free installments. Others, such as Affirm and CareCredit, may charge interest depending on the loan term and your creditworthiness.
BNPL services are commonly used for online shopping, electronics, fashion, and even healthcare expenses. However, each provider has different partner merchants, so it’s best to check where your preferred BNPL app is accepted.
If you have bad credit or no credit history, Credee, Afterpay, Splitit, and iCare Financial are good options since they do not require a credit check.
Yes, you can use multiple BNPL apps, but managing multiple payment schedules can be tricky. Ensure you keep track of due dates to avoid missing payments.
BNPL providers typically earn revenue through merchant fees (charging retailers for offering BNPL as a payment option), late fees, and interest on long-term plans.
Most BNPL providers offer transparent terms, but some may charge fees for late payments, early repayment, or processing. Always read the terms and conditions before using a BNPL service.
BNPL can be a better alternative if you want short-term, interest-free payments and don’t want to accumulate credit card debt. However, credit cards may offer more flexibility, rewards, and consumer protections compared to BNPL services.
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