Full Side-by-Side

Best BNPL Apps Compared 2025

Affirm, Klarna, Afterpay, Sezzle, Zip & PayPal Pay Later — every key detail in one place.

ⓘ Comparison site only. Not a lender. We may earn referral fees on partner links. *Rates subject to change.

Quick Comparison

All 6 Apps at a Glance

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App Split Options Interest Credit Check Late Fee Min Purchase Best For
Affirm 4–36 months 0%–36% APR* Soft check None $50+ Large purchases
Klarna Pay in 4 / 30 days 0% if on time* Soft check Up to $7* $10+ Everyday shopping
Afterpay 4 payments / 6 wks None ever No hard check Up to 25%* $1+ Fashion & beauty
Sezzle 4 payments / 6 wks None Soft check $10 max* $5+ Flexible budget shoppers
Zip 4 payments Acct fee* Soft check $5–$10* Varies Reusable credit anywhere
PayPal Pay Later Pay in 4 / 6–24 mo. 0%–29.99% APR* Soft check None $30+ PayPal merchants

* Rates and terms are subject to change. Verify directly with each provider before applying.

Category Winners

Best BNPL App For Each Situation

Best Overall 0% Interest
Afterpay
Never charges interest, no hard credit check, quick approval. Read review →
Best for Large Purchases ($500+)
Affirm
Up to 36-month terms, no late fees, accepted at major US retailers. Read review →
Best for Everyday Shopping
Klarna
Huge store network, 0% Pay in 4, best mobile app experience. Read review →
Best Trusted Brand
PayPal Pay Later
Built into PayPal, no late fees, 0% Pay in 4. Read review →

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