11+ Apps like Klarna for Shop Now and Pay Later [2024]

Klarna is an awesome finance app where you can shop now and pay later. Looking for more such apps? We’ve got you covered with apps like Klarna in this blog post. These Klarna alternatives are handpicked and curated by our editorial team and suits you the best.

What is Klarna?

Klarna is a shopping app that lets you pay for your purchases in installments. It’s interest-free and there are no hidden fees. You can use Klarna to shop at any store, online or in person. Klarna is available in the US, UK, Sweden, Norway, Denmark, Finland, Germany, Austria and the Netherlands.

How does Klarna work?

With Klarna, you can split your purchase into four equal payments. You pay for your purchase over time, interest-free. There are no hidden fees or interest charges. You can use Klarna to shop at any store, online or in person. You only need to provide your credit or debit card information once when you sign up for Klarna. Klarna will then keep your card on file and automatically charge you for your installments.

To sign up for Klarna, download the app and create an account. You’ll need to provide your credit or debit card information. Klarna will then keep your card on file and automatically charge you for your installments. You can also sign up for Klarna online at klarna.com.

What are the benefits of Klarna?

Klarna offers several benefits for shoppers. First, it’s interest-free. There are no hidden fees or charges. Klarna also offers flexibility when it comes to payments. You can choose to pay for your purchase in full right away, or you can split it into four equal payments.

Klarna also makes shopping easier by letting you store your credit or debit card information on file so you don’t have to enter it every time you make a purchase. Finally, Klarna is available in nine countries, so you can use it whether you’re shopping online or in person while traveling.

There is a lot of Klarna to discuss. However, there are a lot options available. These apps are just like Klarna and few of them provides the better interface and payment options. So without much ado, let’s jump into the 11+ best apps like Klarna.

Apps like Klarna for Shop Now and Pay Later:

Before we jump in to the detailed information about each of these Klarna alternatives, we bring you the quick summary in the below table –

App NamePlatform Availability (Android, iOS)Interest RatesLate FeesCredit Check
DaveAndroid, iOS0%YesNo
SezzleAndroid, iOS0%YesYes
Paypal CreditAndroid, iOSVariesYesYes
AfterpayAndroid, iOS0%YesYes
SplititAndroid, iOS0%YesYes
AffirmAndroid, iOS0% – 30%YesYes
LaybuyAndroid, iOS0%YesYes
QuadpayAndroid, iOS0%YesYes
GoCardlessAndroid, iOSN/AN/AN/A
FuturePayAndroid, iOS0%NoYes
Partial.lyAndroid, iOSVariesYesYes
ZebitAndroid, iOS0%YesYes

There are literally 10’s of alternative apps like Klarna available out there. Go through the comparison below and choose the best one that suits your needs –

1. Dave

Dave is a free app that helps you avoid overdraft fees. It works by monitoring your bank account and giving you a heads up when you’re close to hitting your limit. Dave also offers an interest-free cash advance, up to $75, to help cover unexpected expenses.

Here’s how it works:

  1. Download the Dave app and connect your bank account.
  2. Dave will monitor your account and send you a notification when you’re close to your overdraft limit.
  3. If you need extra cash, Dave offers an interest-free cash advance, up to $75.
  4. Once you’ve repaid the advance, plus any fees, Dave will continue to monitor your account and notify you of any upcoming fees.

With Dave, you can avoid costly overdraft fees and get your finances back on track. Try it today!

Dave - Banking & Cash Advance
Dave - Banking & Cash Advance
‎Dave - Banking & Cash Advance
‎Dave - Banking & Cash Advance

2. Sezzle

Sezzle is a smartphone app that allows users to make purchases and then pay for them over time. Sezzle’s interest-free installment plans make it easy for users to budget their money and make payments on their own terms. Sezzle is a great way to finance big purchases, or simply to spread the cost of everyday shopping.

With Sezzle, there are no hidden fees or late charges – users can simply enjoy the convenience of paying for their purchases over time. Sezzle is available for both Android and iOS devices, and can be used at any store that accepts major credit cards. Sezzle is the smart way to shop, and is perfect for anyone who wants to budget their spending and avoid interest charges. Try Sezzle today!

Sezzle - Buy Now, Pay Later
Sezzle - Buy Now, Pay Later
‎Sezzle - Buy Now, Pay Later
‎Sezzle - Buy Now, Pay Later
Developer: Sezzle
Price: Free

3. Paypal Credit

If you’re looking for a convenient and easy way to finance your purchases, Paypal Credit is a great option. This is one of the popular apps like Klarna for shop now and pay later. Paypal Credit is a line of credit that you can use with your Paypal account. You can use Paypal Credit to finance purchases at participating merchants, or you can use it to pay for goods and services online. Paypal Credit is subject to credit approval and may not be available in all countries.

Paypal Credit offers a number of benefits, including the ability to make payments over time, access to financing options, and the flexibility to choose your own repayment schedule. With Paypal Credit, you can also take advantage of exclusive offers and discounts from participating merchants. Plus, there’s no annual fee and you can receive your line of credit in as little as 10 days.

To learn more about Paypal Credit and to see if it’s available in your country, visit the Paypal website today.

PayPal - Send, Shop, Manage
PayPal - Send, Shop, Manage
‎PayPal - Send, Shop, Manage
‎PayPal - Send, Shop, Manage

4. Afterpay

If you’re looking for a way to pay for your purchases over time, Afterpay may be the perfect solution for you. Afterpay is one of the apps like Klarna that allows you to pay for your purchases in four equal installments, interest-free. This can be a great option if you don’t have the funds available upfront to pay for an item in full. Plus, there’s no need to worry about late fees or accruing interest – with Afterpay, you’ll only ever pay the price of the item itself.

To use Afterpay, simply download the app and link it to your debit or credit card. Then, when you’re ready to make a purchase, select Afterpay as your payment method at checkout. You’ll be able to see your payment schedule before you confirm the purchase, so there’s no surprises. Once you’ve made all your payments, the item is yours to keep!

If you need a little help budgeting for your Afterpay purchases, be sure to check out AfterPay handy guide. They’ll give you some tips on how to make the most of Afterpay and stay within your budget. Ready to get started? Download Afterpay today!

Afterpay - Buy Now, Pay Later
Afterpay - Buy Now, Pay Later
Developer: Afterpay
Price: Free
The app was not found in the store. 🙁

5. Splitit

Splitit is a great app that allows you buy now and pay later. It’s really easy to use and it’s a great way to keep track of your expenses as well. Retailers will have an option to choose whether to get the money upfront or to inline with the customer payment plan.

If you are planning to try out apps like Klarna, this is the cool option for you!

6. Affirm

Affirm is a great app that allows you to manage your finances and keep track of your spending. It has a lot of features that make it very easy to use, and it’s a great way to stay on top of your finances. Affirm is a great tool for anyone who wants to stay on top of their finances and make sure they are always in control of their money.

Affirm is a great app for anyone who wants to save money and make sure they are always in control of their finances. Affirm is a great app for anyone who wants to get out of debt and make sure they are always in control of their finances. Affirm is a great tool for anyone who wants to manage their money and make sure they are always in control of their finances. Affirm is a great app that can help you stay on top of your finances, and it’s a great way to keep track of your spending. Affirm is an essential tool for anyone who wants to stay on top of their finances.

Affirm: Buy now, pay over time
Affirm: Buy now, pay over time

7. Laybuy

Laybuy is a fantastic apps like Klarna that allows you to shop now and pay later, interest-free! You can spread the cost of your purchase over 6 weekly payments, and there’s no hidden fees or catches – just shop as normal and then choose Laybuy at checkout.

Laybuy is available both online and in-store at participating retailers, so you can use it wherever you like to shop. Plus, there’s no need to worry about missing a payment – Laybuy will automatically deduct payments from your chosen card each week, so you can sit back and relax!

If you’re looking for a way to make your shopping more affordable, Laybuy is the perfect solution. So what are you waiting for? Download the app today

Laybuy
Laybuy
Developer: Laybuy
Price: To be announced
The app was not found in the store. 🙁

8. Quadpay

Quadpay is a revolutionary new app that allows you to shop now and pay later. Quadpay splits your purchase into 4 interest-free payments, so you can pay it off over time. There’s no credit check required and you can start using Quadpay instantly.

Quadpay is perfect for those unexpected expenses or treat yourself moments. Shop at your favorite stores and pay with Quadpay at checkout. It’s easy to use and there are no fees. Sign up now and get started!

Zip - Buy Now, Pay Later
Zip - Buy Now, Pay Later
Developer: Zip, Co.
Price: Free
‎Zip - Buy Now, Pay Later
‎Zip - Buy Now, Pay Later

9. GoCardless

GoCardless is a payment app that allows users to make and receive payments easily and securely. GoCardless offers a number of features that make it an ideal choice for businesses and individuals alike.

Some of the key features of GoCardless include:

  • Easy to use: GoCardless is designed to be easy to use, with a simple interface that makes it quick and easy to make and receive payments.
  • Secure: GoCardless uses industry-leading security measures to protect your data and ensure that your payments are safe and secure.
  • Flexible: GoCardless offers a range of payment options, so you can choose the one that best suits your needs.

If you’re looking for an easy and secure way to make and receive payments, GoCardless is the perfect choice. try it today!

10. FuturePay

FuturePay is a mobile app that allows users to shop now and pay later. FuturePay can be used at participating online stores, or in-store at select retailers. FuturePay is convenient and easy to use – there’s no need to carry cash, write checks, or use a credit card. FuturePay is a great way to budget for large purchases, and it’s perfect for those who want to shop online but don’t have a credit card. FuturePay is interest-free and there are no late fees.

FuturePay is the smart, convenient way to shop. FuturePay can be used at participating online stores, or in-store at select retailers. FuturePay is interest-free and there are no late fees, so it’s a great way to budget for large purchases. Plus, there’s no need to carry cash, write checks, or use a credit card. FuturePay is the smart way to shop.

So how does FuturePay work? First, create an account and add your debit or credit card. When you’re ready to checkout, select FuturePay as your payment method and enter your email address. You’ll then be able to choose how much you want to pay now, and how much you want to pay later. FuturePay will send you an email with instructions on how to complete your purchase. It’s that easy! It’s one of the top apps like Klarna for future payments.

FuturePay is the convenient way to shop online or in-store. Try FuturePay today!

Future Pay
Future Pay
Developer: BrandsFi
Price: Free
‎Future Pay
‎Future Pay
Developer: Future Group 1
Price: Free

11. Partial.ly

Partial.ly is an app that allows you to split your payments into installments. This can be helpful if you’re short on cash or if you need to make a large purchase. Partial.ly offers a variety of payment options, so you can choose the one that best suits your needs. You can also set up automatic payments, so you don’t have to worry about missing a payment. Partial.ly is a great way to make sure you can afford the things you need.

12. Zebit

Zebit is a financial wellness app that helps employees manage their money and improve their financial wellbeing. Zebit’s features include:

  • A budgeting tool to help employees track their spending and saving
  • A financial education center to help employees learn about personal finance
  • A rewards program to incentivize employees to save money

Zebit is the perfect way for employers to promote financial wellness among their employees. With Zebit, employers can offer their employees a valuable resource to help them manage their money and improve their financial wellbeing.

Zebit
Zebit
Developer: Zebit
Price: Free
‎Zebit
‎Zebit
Developer: Zebit
Price: Free

Conclusion:

There are lot of apps available with buy now and pay later option. However we need to be very careful while choosing the payment app. Few apps charges high interest rates. Klarna is one of the cool app for shop now pay later feature. We have listed down 11 Plus apps like Klarna for payments in installments and minimal interest rates. Try them out today and share your experience with us through comments.

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