11 Best Apps Like Klarna: Buy Now, Pay Later Apps

by Haya Barnard

Best Apps Like Klarna

Klarna offers a brilliant payment solution for online shopping with which you can buy now and pay later. This is a great app to get the best offer and deal but some users are done with it. If you’re looking for apps like Klarna for Android and iOS then you’re on the right page.

There’s a ton of applications that offer a similar function—shop now, pay later—but not all of them are worthwhile. These alternatives come packed with a set of features to improve your online shopping experience, particularly the payment and installment.  

Best Apps Like Klarna for Android and iOS

With so many choices out there, picking the best Klarna alternative can be rather daunting. If you don’t have the whole day to get this job done, we’ve got you covered. We’ve put together the best Klarna alternatives that might fit your preferences.

1. Afterpay


Website  Download on Google Play Download on the App Store

Enjoy hassle-free shopping with Afterpay. Upon signing up, you can take benefits from the best features, including a directory for browsing stores and an expanded list of retailers that accept this payment method. Now you can get your favorite item and pay in four bi-weekly installments. 

No more missing the best offer and best deal of your favorite online shops—this app keeps you notified when new brands are released. Shop a variety of items, ranging from fashion to beauty and lifestyle. With four times installment, it helps you manage your personal finance.

Afterpay comes packed with a feature that allows you to take control of your order. Make instant payment with just a tap. You’ll be able to keep track of the orders and payment schedule so it’s unlikely to be overdue. This app doesn’t charge extra cost when you pay on time.

For more flexible finance management, you can easily change payment card for upcoming payments. You can also pay off future installment early to avoid extra charge.

2. PayPal


Website  Download on Google Play Download on the App Store

PayPal is a renowned service for making an online payment. You can link your credit card to your PayPal account. This service enables you to shop online and pay them through installments.

As one of the best apps like Klarna, PayPal facilitates safer, faster, and easier checkouts. There are many other functionalities to find in the app, such as view account activity, send payment easily anywhere, and millions of sites support.

If you want to make online purchases with peace of mind, PayPal is made just for you. In addition to making payment through installment, you can also do many other things with this app like sending money securely around the world and managing your money.

Please note that the interest rate applied is considered high, which might be rather inconvenient for a frequent user. Luckily, you won’t be charged any interest if your purchase is $99 or higher.

3. Tabby


Website  Download on Google Play Download on the App Store

Shop now, pay later experience is also brought to you by Tabby. The Klarna like app is designed to help you achieve shopping freedom—get what you want right now and pay later. There are no fees, interests, or hidden costs that will make you feel inconvenient.

Tabby works in simple premises. Find your favorite store and brand through the app and add any items you want to buy to the cart. Select Tabby at checkout. Once you get approved, link to your card. You can also split the purchase into four monthly-billed payment.

What’s interesting about Tabby is that you can find a vast collection of products from popular brands, such as Adidas, Golden Scent, IKEA, and many more. It also lets you get the best shopping deals with weekly updates and discount notifications from retailed.

In order to help you control your finance, this application is featured with payment manager. This feature lets you view upcoming bills, get alerts for the next payment, and even change payment method.

4. Affirm


Website  Download on Google Play Download on the App Store

With more than 1M+ downloads on Google Play Store alone, Affirm is one of the most used apps like Klarna. This tool boasts stress-free online shopping anywhere anytime and pay later. Get rid of inconvenient late fees, penalties, and hidden costs.

 There are so many reasons why you’ll love Affirm like flexible payments, exclusive offers, saving account without minimums, and even account management. You can also find a long list of favorite stores to buy products from extensive brands.

How this app works is completely simple. Upon joining, find a store of your favorite inside the app and fill the cart with any items you want to buy. Select the payment option you’d like to use and complete your online purchase. Affirm will check your eligibility.

What’s great about this app is that it takes only a few moment. And if you’re concerned with your credit score, Affirm won’t affect your credit score. Things about this app is getting better because it can be used at brick-and-mortar stores.

5. Sezzle


Website  Download on Google Play Download on the App Store

Sezzle offers a great way to control your financial future. This digital payment platform lets you shop any item of your favorite at over 40,000 popular brands. Spend your money responsibly and enjoy your financial freedom with this app.

Designed with a user-friendly interface, this platform is completely easy to use. Once downloaded, shoppers can fill their cart with any items. You will receive your order in a few moments and pay later. One of the best things about this app like Klarna is that it is interest-free.

In addition to making payment through installment, there are many other things you can do with Sezzle: discover new stores, reschedule future payments, manage orders, and even change payment methods. You can also receive notification for the upcoming payment.

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What’s more, this digital payment platform enables you to keep important information at your fingertips. Be sure to tap Sezzle in store checkout and enjoy flexible online payment for your shopping freedom.

6. Laybuy


Website  Download on Google Play Download on the App Store

Laybuy is one of the best free apps like Klarna that allows you to access thousands of retailers worldwide. With this app, you can purchase your favorite items online or in-store without worrying about making payment. Only with a single login, pay at your favorite retailers from all over the world.

There are plenty of features to find in Laybuy, such as in-app personalized barcode that allows faster and easier payment; account management to manage your budget and payment; and check in for viewing how much credit that you have.

Obviously, it highlights the buy now pay later feature that promotes convenient shopping. Get any item of your favorite right now and pay over 6 weeks. No hidden fees or interest so you only need to pay off the cost of the item.

Another good thing about Laybuy is that you can set up your account without hassle. Thanks to easy to use tools and user-friendly interface coming with this app. Search, shop, and pay with Laybuy.

7. Zip


Website  Download on Google Play Download on the App Store

Zip, previously known as Quadpay, is a convenient app that provides you with payment flexibility. Using this payment platform you can buy now and pay later in your favorite stores. Don’t worry, it neither requires a tedious credit check nor affect your credit score.

For your payment convenient, split your purchase in four installments over 6 weeks. It also supports online and offline store so it’s possible to enjoy a seamless payment experience anywhere anytime. All you have to do is choose Zip in the checkout.

As with most apps similar to Klarna, Zip lets you track your spending as well as view transaction history for easier payment management. Plus, you have an option to change account details, including your payment method.

Just in case you have some questions, get answers from the Zip support team. Thanks to a built-in feature, you can contact the support team right from the app. As a bonus, it has a user-friendly interface that promises a better user experience.

8. Perpay


Website  Download on Google Play Download on the App Store

Next up, there’s Perpay that makes online shopping a lot easier from your phone. This mobile app gives you access to more than 1,000 products in Perpay marketplace. Upon joining, you will need to answer some questions to get your spending limit. Then, you’ll be able to shop for any items and pay over time.

Depending on your answers, this app offers up to $1,000 average spending power. You will also find this app helps improve your credit score up to 39 points. To encourage flexible payment, Perpay doesn’t charge extra costs for interest, fee, and credit check.

Perpay is designed with a simple and nice interface that makes it suitable for online shoppers. It helps you build simple and transparent financial products that improve your life. Currently, it has a vast community with up to 3M+ members.

To encourage payment flexibility, this app like Klarna has three different options to choose from. You can either choose to pay in four installments, eight installments, or even 16 pays (only with Perpay+). Which one is going to be your favorite?

9. Four


Website  Download on Google Play Download on the App Store

As the name suggests, Four is a convenient app that lets you buy your favorite item and make four payments every 2 weeks. Enjoy faster and easier shopping with instalment without worrying about interests, fees, and hidden costs.

This particular app has a number of highlights, including no credit checks, easy payments, and easy checkout. It also has a built-in option with which you can manage your payments and track your orders—all is available in a single app.

Remembering your payment due dates can be a real challenge. Get some peace of mind with Four, thanks to the reminder feature that notifies you before an upcoming payment is due. This is a brilliant solution to avoid extra costs due to late payment.

10. Tamara


Website  Download on Google Play Download on the App Store

Tamara could be your best bet for splitting payments. This digital platform has your favorite feature, pay later, with which you can shop from your favorite store and enjoy flexible payment. It gives you 30 days in 3 convenient splits.

This app like Klarna improves your shopping experience—no more waiting for your monthly salary to get what you want. Using this app you won’t skip the best offer and best deal from your favorite online store.

Just like Klarna, Tamara offers convenient, fast, and secure shopping from your smartphone. Simply choose Tamara as your payment method and enjoy flexible instalment without interests or hidden cost. Unfortunately, Tamara is only available in Saudi Arabia and United Arab Emirates.

11. Nelo


Website  Download on Google Play Download on the App Store

Nelo is one of the best alternatives to Klarna in Mexico. This platform enables you to split bills up to 6 payments, making it possible to get new products without waiting for your payday. No extra charges, interests, or hidden fees from this app.

What’s interesting about Nelo is that it works not only for online shopping but also airtime top ups. Use this app to pay credit for utility payments, airtime top-ups, and more. You can also choose the term of your loan up to 70 days.

This digital payment platform is designed with an intuitive and simple interface, so using this app won’t get you puzzled. Get anything you want from your favorite merchant today and pay later with Nelo.

There are so many apps like Klarna but not all of them are worth downloading. Use the above list as your reference and find a digital payment platform that meets your preferences. Be wise and use these apps responsibly.

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