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Buy Now, Pay Later (BNPL) Guide (2025)

Discover top BNPL apps, stores, and alternatives to split your purchases with ease.

Popular BNPL apps and services

Find the best Buy Now, Pay Later platforms to suit your spending style.

Pay in 4 apps and providers

Where to shop with BNPL

Browse store lists by BNPL provider and discover where you can split your payments.

BNPL alternatives and similar apps

Looking for something like Affirm or Sezzle? Here are more apps offering split payments or credit-based financing.

How to choose the best BNPL app

Most BNPL apps work similarly, though there are a few features to keep an eye on when making your choice.

  • Look for the lowest fees. Some BNPL apps charge fees on purchases and late payments, while others charge no fees at all. One with few to no fees can keep your overall costs down.
  • Choose low interest. In the event you do miss a payment, you’ll get charged an additional amount based on the app’s interest rate. Find an app with as low an interest rate as possible if you worry you might occasionally miss a monthly payment. Some BNPL providers even charge simple interest rather than compounding interest.
  • Check the repayment scheduling options. Some BNPL apps let you adjust or choose your repayment plan. This option is great if you value a little more flexibility in how you pay.
  • Assess your spending needs. Most BNPL apps have some type of transaction limit. If you need to split up a particularly large purchase, you’ll need to find a BNPL app that supports that purchase amount.

What is BNPL and how does it work?

BNPL is a four-part installment loan retailers and third-party intermediaries offer consumers. After making your first payment up front, the remaining three payments are equally split and automatically charged to your credit or debit card on a set interval, typically every two weeks.

BNPL plans are most often found in online stores. However, the service’s rising popularity means you can find them in select stores or use a third-party service to turn nearly any purchase into a BNPL payment.

Like most loans, a BNPL plan also comes with terms and conditions, including interest and fees.

Compare cash advance alternatives to BNPL apps

For an idea of how cash advance apps stack up, select up to four apps and select Compare to see them side by side.

Updated regularly
Finder Score Max. amount per pay period Turnaround time Costs bullet point infobox
Finder score
9.5 Excellent
Up to $150/day, with a max of $1000 between paydays
1 to 2 business days or within 30 minutes for a fee
Free to use or within minutes with a fee as low as $3.99 per transfer
Access up to $150 per day, with a max of $1000 between paydays. Subject to EarnIn terms & conditions.
Go to siteView details
Compare product selection
Finder score
9.4 Excellent
$500 to $5,000
As soon as the same business day
160% - 195% APR
Not available in: CO, CT, GA, IA, MD, MA, NY, SD, VT, WV. Comes with the option to change your due date so you won’t fall behind on repayments.
Go to siteView details
Compare product selection
Finder score
8.7 Great
$50 to $750
Up to 3 days or within an hour for a fee
Free
Get up to $750 before payday, once you qualify. Paycheck Advance is an earned wage access service and is not a loan or credit product. Subject to Paycheck Advance Terms and Conditions.
Go to siteView details
Compare product selection
CreditNinja logo
Finder score
9.1 Excellent
CreditNinja Installment loan
Finder score
9.1 Excellent
$300 to $5,000
1 to 2 business days
APRs over 36% plus fees
Not available in: AK, CO, CT, FL, GA, IL, IA, KY, ME, MD, MA, MT, NV, NH, NJ, NM, NY, NC, ND, OR, VT, VA, WA, WV. Fast online funding up to $5K, but you won't know about rates and terms until after you apply.
Go to siteView details
Compare product selection
Cleo logo
Finder score
8.2 Great
Cleo
Finder score
8.2 Great
Up to $250
3 to 4 days or instant for a fee.
$5.99 monthly membership fee to access cash advances
Automatically monitor your spending plus access cash advances up to $100 at a time.
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Compare product selection
Chime logo
Finder score
9.4 Excellent
Chime MyPay®
Finder score
9.4 Excellent
Up to $500
Within 24 hours or $2 for instant transfers
No subscription fees
Plus access up to $500 of your pay before payday fee-free within 24 hours. See Chime terms and conditions.
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Compare product selection
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What is the Finder Score?

The Finder Score crunches 3+ types of short-term loans across 65+ lenders. It takes into account the product's interest rate, fees and features, as well as the type of loan eg investor, variable, fixed rate - this gives you a simple score out of 10.

To provide a Score, we compare like-for-like loans. So if you're comparing the best short-term loans for all credit types, you can see how each short-term loan stacks up against other short-term loans with the same borrower type, rate type and repayment type.

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