Do you require a product that is necessary but you can’t afford it right away? If yes, then apps like Klarna are the one-stop solution for all your problems. We all are already obsessed with online shopping. Now, the combination of the endless online market and paying for it in installments is so appealing.
Buy now pay later apps have reached out to millions of users which clearly shows their increased popularity over the years. Instead of changing your monthly expenditure cycle, opt for such apps to pay gradually for the things you require. We have reviewed some apps like Klarna which will help you in getting your dream products almost instantly.
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Affirm is an excellent Klarna alternative. It lets you make purchases, big or small without any fuss. All the terms and conditions of Affirm are incredibly simple. Also, there is no hidden fee or prepayment penalty which is quite a unique feature.
Simply create an account on the application and start looking for the things you need. To become a user of Affirm, you need to have a positive credit rating. Your purchase will be approved only when a soft check is held on your credit.
Sezzle is one of the highest-rated buys now pay later apps. It connects you to thousands of vendors that serve various industries. So the deal with Sezzle is that you get to pay for your purchase in 4 installments. After every two weeks, your payment will be scheduled.
The highlight of this app is that it does not charge any interest. Users can reschedule their payment date in case of any emergency that too for free! It does not affect your credit score as well.
Afterpay is one of the best apps like Klarna. Customers only need to pay for their purchases and late fee in case any installment is missed. Just sign in by entering some personal details and you are good to go. Users have to link their debit or credit cards before selecting their payment option as Afterpay.
Since the approval process is quite simple, you can instantly make a purchase without waiting for too long. The first installment has to be paid when you are checking out and the rest three are covered in every two weeks.
Quadpay is another app that serves its purpose very well. It does not impose any tough terms and conditions on the users. The approval process is incredibly easy as you just have to answer a few questions. Once your purchase is approved, your installments will start deducting from your card automatically.
Users can pay early without having to pay any penalty. Moreover, 25 percent of the total amount has to be paid upfront. Whereas, the other three are scheduled for the next six weeks.
Greensky mostly helps its customers with house repair financing. Unlike other applications, Greensky has a strict application process. It features more than 15,000 merchants on its app so you can choose your desired service.
However, only big purchases can be made which are to be paid between 6 months to 24 months depending on your application. Also, Greensky carries out a hard check on your credit which can affect your credit score. Greensky is also among some great apps like Klarna.
ViaBill is a remarkable alternative to Klarna. Customers can now upgrade their shopping carts with this app. It offers a simple process that users have to follow. Create your account by filling out the necessary information and voila, it’s done!
There are no credit checks that are carried by ViaBill. Like other apps, you can pay the amount in 4 installments. The first installment is cleared at the time of check out. Also, you do not need to worry about any fee or interest.
7. PayPal Credit
PayPal Credit offer several feasible features that attract customers. Firstly, users do not need to pay an annual fee like other apps which is a waste of money. You can pay on various websites using PayPal Credit without logging in again and again.
his one-touch feature will enhance your shopping experience. Other aspects like purchase protection and return shipping never fail to impress the users. Look out for the interest rates as they can prove to be troublesome at times.
Zebit is another app in our list of apps like Klarna that allows you to purchase items interest-free. This app has made the buy now pay later technology particularly effortless. Users get a time frame of 6 months to pay their installments.
Zebit offers a line of credit up to 2,500 dollars. In addition, the limit can be increased if you have a good payment history. The highlight of this app remains to be its ability to not affect the credit score.
Perpay is yet another Klarna alternative. The signing up process is a piece of cake. Users just have to answer some basic questions which will decide their spending limit. You can purchase items from 500 dollars to 2,500 dollars.
Since the market is huge on this platform, customers can easily make a choice for their desired products. If you use Perpay regularly along with having a good payment record then your spending limit may increase.
Splitit seems more convenient for customers because they do not need to apply for a line of credit. If you have your own debit card, master card or credit card then you can go ahead and make payments using these cards.
When you check out, simply choose Splitit as your payment option. Every month, your installment will deduct from your card automatically. There are no additional charges like annual fee, interest or registrations which makes it even better.
So, these were some apps like Klarna. Buy now pay later apps have solved numerous financial problems for those who don’t have savings, are in debt or simply can’t afford a certain thing.
Before you sign up for any app, make sure to read all the terms and conditions thoroughly. Go for apps that have no or extremely low-interest rates.