Top 15 Apps Like Klarna | Klarna Alternatives | Apps Similar To Klarna

apps like klarna

The buy now, pay later apps have taken the world by storm. No one ever has to worry about not being able to afford a purchase anymore. Klarna is one of the most popular buy now, pay later apps on the market today. It’s available in over 20 countries and is used by many of our favorite online retailers like ASOS and Zalando. Klarna offers a variety of payment plans to suit different customer needs:

  • 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

What is Klarna Buy Now Pay Later App?

Klarna is a financial technology company that wants to change the way people pay for things online. It provides a “buy now, pay later” service, allowing online shoppers to buy from major retailers without paying in advance. Customers can pay for their purchases in four interest-free installments every two weeks, or they can pay the full amount in 30 days. They can also spread the cost of their purchase over a period of six to 36 months.

Also Read: Top Apps like Airbnb

Top 15 Apps Similar to Klarna

  1. Sezzle
  2. PayPal Credit
  3. Affirm
  4. Afterpay
  5. Splitit
  6. Zip
  7. PayPal
  8. GoCardless
  9. Venue
  10. Quadpay
  11. Fingerhut
  13. FuturePay
  14. Viabill
  15. Laybuy
  16. Littlewoods
  17. Atokes

Also Read: Apps like Doordash

Top Apps Like Klarna You Should Know

Sezzle: Top Klarna App Alternative

The buy-now-pay-later (BNPL) trend has gained traction among online shoppers. Monthly active users of various BNPL services increased by 186 percent year over year in September 2020, according to Sensor Tower Store Intelligence data.

Sezzle was founded in 2016 and has since grown to become one of the major players in the BNPL industry. The Sezzle Virtual Card, which customers can add to their Apple Pay or Google Pay apps and use for in-store purchases, will be introduced in September 2020.

Sezzle works similar to apps like Klarna and Affirm.  When you’re ready to pay, select Sezzle as your payment method. You must enter some personal information, and the service will perform a soft credit check.

If you are approved, you will immediately begin making the first of four interest-free instalment payments. Then, for the next six weeks, you’ll make three more equal instalments every two weeks. To make your instalment payments, you can use a bank account, debit card, or credit card.

Paypal Pay in 4: Apps Similar to Klarna

PayPal Pay in 4 is a payment method that allows you to divide purchases made at participating online stores into four installments. A down payment is required at the time of sale, followed by one payment every two weeks for the next six weeks, for a total financing period of six weeks.

Pay in 4 is PayPal’s version of a “buy now, pay later” plan, allowing you to divide the purchase price into four installments and pay over time. You can make purchases from millions of online stores that accept PayPal and receive an instant approval decision. All payments are interest-free, and the purchase is protected by PayPal’s security and safety.

The seller must accept PayPal payments in order to use PayPal’s Pay in 4 option. This means you can use it at millions of online stores that accept PayPal. Best Buy, Target, Bed Bath & Beyond, and Lands’ End are among the most popular retailers.

Affirm: Top Buy Now Pay Later App Alternative

Affirm is the most logical way to pay over time. You can shop almost anywhere and pay at your own pace with no fees, so you can get the things you want without breaking the bank.

Affirm was founded in 2012 by CEO Max Levchin, who co-founded the company that became PayPal. It trades on Nasdaq and has a market capitalization of $10.6 billion.

Affirm claims to provide a fresh take on consumer financing by assisting people in affording the items they desire without incurring unmanageable debt. Here’s a closer look at how Affirm works and the benefits and drawbacks of its short-term installment loan options.

Afterpay: Best App Like Klarna

Afterpay is a buy-now-pay-later (BNPL) service that allows you to make interest-free payments. It was first introduced in Australia in 2015, and it made its debut in the United States in 2018. It has since grown enormously in popularity. According to a December 2020 Afterpay press release, over 13 million people in the United States have used Afterpay, and the company sold $2 billion in products nationwide in November 2020.

Many retailers accept Afterpay, which allows you to set up payment plans during the checkout process. These plans are all structured in the same way: The purchase price is divided into four payments made every two weeks for six weeks, with the first installment due when you check out. You can also use the Afterpay mobile app to register for an Afterpay Card and use it to make contactless payments in stores at select retailers.

Also Read: Med School Apps For Medical Students

Splitit: Klarna Similar App

Splitit allows you to use your credit card to split the total payment over several months. This service is free, requires no credit checks or applications, and allows you to spread your payments over a period of 3 to 12 months.

All you need is a credit card with adequate available credit. Splitit authorises the total order value, but this is not taken into account when you purchase.

Splitit is a one-of-a-kind player in the buy-now-pay-later (BNPL) space. It is distinguished by the fact that there is no credit check, no interest, and no fees to use it; it operates on the available credit on your existing credit cards. The service does not charge interest, but you may be required to pay interest on the credit card you use for Splitit if you do not pay off your balance each month.

Zip: Klarna Similar App

Zip (previously Quadpay) is one of several BNPL options available to consumers. These services have become increasingly popular in recent years. Zip’s concept is straightforward: Purchase something today and divide the payment into four equal interest-free instalments. Zip can be used for both online and in-person shopping. Learn more about how it works and whether it is appropriate for you.

Zip allows you to divide any purchase into four payments. You can use Zip to pay for your purchases after downloading the app and linking your payment source (a credit or debit card). It then bills your payment source four times—once on the day of purchase and three more times every two weeks thereafter.

Also Read: Apps Like Omegle

GoCardless: Other App Like Klarna

GoCardless is the world’s leading provider of direct bank payment solutions, making it simple to collect recurring and one-time payments directly from customers’ bank accounts via direct debit and open banking. It processes more than USD 30 billion in payments each year across more than 30 countries.

They have built a global network for direct bank pay, which allows merchants to automatically withdraw funds from their customers’ bank accounts. Merchants can manage their payments directly through the GoCardless dashboard or through one of the 200+ partner integrations that provide a seamless experience. Their global network enables merchants to automatically collect recurring payments from their customer’s bank accounts and settle them in their home country.

Venue: App Alternative To Klarna

Venue is an online network that connects well-known brands and retailers. With the Venue buy now, pay later scheme, you can buy a variety of items and pay in installments. It provides three different payment options: Klarna, Tempoe, and Splitlt, making your shopping experience much more convenient! is a popular online convenience store and supermarket that sells electronics, clothing, and furniture. Furthermore, it provides a faster delivery service than other online websites. It offers reasonable and adaptable payment options. You can not only buy items of your choice but also pay for them according to your financial ability.

Fingerhut: Best App Like Klarna

Fingerhut is one of the largest credit companies, founded in 1948 by William Fingerhut, who sold automobile seat covers at the time. It is a catalog company or an online retailer. It enables consumers to purchase goods or services directly over the internet. Buyers must place their order for the desired product via an online portal, and the product will be delivered to the customer. It differs from other online retailers in that it accepts credit cards and allows customers to make payments until their orders are paid off.

Futurepay: Klarna Similar Apps

Recurring Payments, also known as FuturePay, is an internet-based equivalent of traditional standing orders and direct debit facilities. It enables you to make online arrangements with your customers similar to standing orders and direct debits.

Simply enter your email address and MyTab password, and you’re done! You don’t have to pay for your purchases right away if you have a FuturePay account. You have the option of paying for your purchases in full at the end of the month or spreading them out over time with flexible monthly payments.


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.

Alex Rode

Alex Rode

I am founder of Just Create App. I have extensive experience in writing about apps, softwares, IT companies. Done Master of Science in Computer Science from Yale University, I am a passionate tech enthusiast and dedicated writer. I delve into a diverse range of topics, from AI and software to app development, and keep a keen eye on tech firms and emerging trends. My expertise enables me to break down complex topics and present them in an engaging, accessible manner, making me a trusted source for insightful analysis in the realm of technology.

Leave a Reply

Your email address will not be published. Required fields are marked *

2 thoughts on “Top 15 Apps Like Klarna | Klarna Alternatives | Apps Similar To Klarna

  1. […] Klarna, you can purchase now and pay later. There are no additional fees or interest, just the price of […]

Business listing apps firms