Buy now, pay later providers available in the UK

Looking to shop now and pay later? These UK payment services could help you out.


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There are lots of reasons why people are turning to buy now, pay later (BNPL) services when they shop. You might need new clothes for an event (job interview, wedding) that just can’t wait until next pay day. Or you might need to try several sizes in one item but don’t have the funds to buy that expensive dress four times over.

What do I need to know about BNPL?

BNPL services differ from traditional lines of credit and don’t normally involve interest payments (although some options, like Klarna’s Slice It, do charge interest). Depending on the service, the provider will run a hard or soft credit check – be aware that a series of hard checks in a short space of time can affect your score – and some services charge late payment fees. It’s crucial you understand the small print before you sign up. We give the lowdown on the main services here.

Buy now pay later companies in the UK

woman shopping online


Popular payment service Klarna offers shoppers three ways to buy now, pay later:

  • Pay later. Receive an invoice for your full order total with up to 30 days to pay the full amount.
  • Slice it. Split your payments into monthly instalments that you pay over time. (Requires a full credit check and charges interest of up to 18.9% APR.)
  • Slice it in three. Spread the cost of your purchase equally over three months. Payments are due at the time of ordering and then 30 and 60 days later.

Popular retailers: Missguided, Lovehoney, Burton

woman shopping online


Sister to Aussie brand Afterpay, Clearpay has been making waves on the UK payment scene.

Aimed at millennial spenders who prefer debit to credit, Clearpay is designed to offer flexible payments without the risk of getting into debt. The company assigns spending limits based upon a customer’s previous usage of the service and charges no interest.

  • Split it. Clearpay easily splits your final shopping total into four equal amounts, which you pay back at two-week intervals.

Popular retailers: boohoo, Nasty Gal, PrettyLittleThing

woman shopping online


Laybuy lets you take your purchase now and pay for it in six easy instalments. The company offers payment plans with no sign-up fees and no interest so you only pay the original price of your order.

  • Get it now, pay in six. Laybuy breaks your shopping total down into six manageable payments which are taken automatically from your bank account at weekly intervals.

Popular retailers: AX Paris, Footasylum

woman shopping online


Payl8r lets shoppers pay on their own terms by offering the following payment plan options:

  • Speedy. Pay 0% interest if you pay us back the total amount within 30 days.
  • Split. Split your payments across 3, 6, 9 or 12 months (interest will apply).
  • Spread. Spread the cost at 0% interest.

Popular retailers: Beauty Works

woman shopping online


Aussie payment service Openpay now offers UK customers a smarter way to pay for their online shopping.
Openpay lets customers get approved for the service in just 90 seconds and then choose their own payment plan. The service takes automatic payments from payment methods each month to avoid missed payments and charges no interest.

  • You choose the plan. At the point of purchase, Openpay will give you several repayment schedule options to choose from.

Popular retailers: WatchShop, The Watch Hut, Ideal World

woman shopping online


Splitit allows users to use their current credit lines (eg. credit cards) to pay for large purchases in multiple smaller amounts. The first payment is due at the time of purchase and the rest of the total will be charged as a “hold” on your credit line. As each monthly payment is charged, the hold on your card is reduced until the purchase is paid in full.

  • You choose the plan. Splitit offers monthly payments from 3 instalments to 24 instalments.
  • No interest. Splitit doesn’t charge interest, but remember that your credit card company might if you don’t keep up with payments.
  • No credit check. Because Splitit uses your pre-existing line of credit there is no need for credit checks, soft or hard.

Popular retailers: Simba, SmartBuyGlasses

How does buy now pay later work?

Buy now, pay later services allow consumers to shop online and place orders without having to pay the full amount upfront.

Each of the services listed above offers customers slightly different variations of the buy now, pay later service. Some services split the shopping total into even parts that are due to be paid back at designated intervals (weekly, fortnightly, monthly), while some offer a defined interest-free period in which the amount can be paid off and some offer options for longer payment terms that include payment of interest.

Before you sign up for any buy now, pay later service be sure you have fully read and understood the terms and conditions of your chosen service.
  • Warning: Late repayments can cause you serious money problems. For help, contact the Money Advice Service.

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