Find the Best Buy Now Pay Later App for You

Most versatile with 3 payment options: Pay in 4, Pay in 30, Monthly. Lowest late fee at $7. 800K+ merchants.

• ✅ 0% interest (Pay in 4)
• ✅ $7 late fee (lowest)
• ✅ 800K+ merchants
• ✅ Soft credit check
• ❌ Doesn't build credit

Best for large purchases up to $25,000. Zero late fees ever. Reports to credit bureaus to build credit.

• ✅ 0% APR options
• ✅ $0 late fees
• ✅ Up to $25,000
• ✅ Builds credit
• ❌ May hard check

Simple Pay in 4 with Cash App integration. Popular for fashion at 348,000+ stores.

• ✅ 0% interest always
• ✅ Cash App integration
• ✅ 348K+ merchants
• ✅ Soft credit check
• ❌ $10 late fee

Most trusted brand with $0 late fees. Works everywhere PayPal is accepted.

• ✅ 0% interest (Pay in 4)
• ✅ $0 late fees
• ✅ Works anywhere PayPal works
• ✅ Most trusted brand
• ❌ Doesn't build credit

Only BNPL with Sezzle Up credit building. Free payment rescheduling.

• ✅ 0% interest
• ✅ Builds credit (Sezzle Up)
• ✅ Free reschedule 1x
• ✅ Soft credit check
• ❌ $12.99/mo for credit

Virtual Visa card lets you shop ANYWHERE, not just partners. Higher approval rates.

• ✅ 0% interest
• ✅ Shop anywhere (virtual card)
• ✅ Higher approval rates
• ✅ Soft credit check
• ❌ $1/installment fee

275,000+ healthcare providers. Dental, vision, vet, cosmetic. 0% promo available.

• ✅ 275K+ providers
• ✅ 0% promo periods
• ⚠️ Deferred interest trap
• ❌ Hard credit check

No deferred interest trap. Soft credit check. Modern CareCredit alternative.

• ✅ No deferred interest
• ✅ Soft credit check
• ✅ Up to $50,000
• ❌ Smaller network

85%+ approval rate—highest in industry. Great for bad credit.

• ✅ 85% approval rate
• ✅ Soft credit check
• ✅ 30-second decisions
• ❌ Down payment required

100% approval—no credit check. Only option for very bad credit.

• ✅ 100% approval
• ✅ NO credit check
• ✅ Up to $99,999
• ❌ Down payment required