Buy now, pay later providers available in the UK

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

There are many reasons why people in the UK are turning to buy now, pay later payment services to facilitate their online shopping.

These reasons can range from having an event you need new clothes for (job interview, wedding) that just can’t wait until next pay day, to needing to try several sizes in one item and not having the funds to buy that expensive dress four times over.

Regardless of why you find yourself interested in this increasingly popular payment option, there are several services available in the UK that might fit your shopping needs.


woman shopping online

Klarna

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

Clearpay

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

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

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


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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