Top 10 Best Apps Like Laybuy in 2025

Imagine you have just found the perfect pair of sneakers online, but payday is still a week away. Instead of missing out or maxing your credit card, you choose Laybuy, which lets you split the cost into six weekly, interest-free payments.

That way, you can enjoy your purchase immediately while managing your budget responsibly. But what if Laybuy is not available at your favorite store, or you want Laybuy alternatives with different features?

In this guide, I will take you through the 10 best apps like Laybuy in 2025.

Laybuy is a Buy Now, Pay Later (BNPL) platform that allows shoppers to split their purchases into six weekly, interest-free installments.

Founded in New Zealand and now available in the UK, Australia, and other regions, Laybuy provides a simple way to manage spending without relying on traditional credit cards. At checkout, users pay the first installment upfront, with the remaining five automatically deducted each week.

Payments are interest-free as long as they are made on time. Laybuy also offers a mobile app to track purchases, manage payments, and shop with partnered retailers conveniently.

Although Laybuy is popular, it is far from the only BNPL option in today’s market. Many other platforms offer similar interest-free installments, while some provide longer financing or even credit reporting.

Whether you want global coverage, better in-store options, or added perks, there is an app to match your shopping style. Below are the top 10 apps like Laybuy in 2025.

1. Klarna

Klarna is one of the most recognized BNPL apps, which allows you to split purchases into four interest-free installments or pay in 30 days. It also offers longer financing options for larger buys. The app includes built-in shopping features, price alerts, and virtual cards that work almost anywhere Klarna is accepted.

Its global merchant network makes it highly versatile, and the clean app design enhances the user experience. However, late payments can lead to fees, and interest may apply on extended financing.

Pros

• Flexible repayment options (Pay in 4, Pay in 30 days, longer terms)
• Widely accepted globally
• No interest if paid on time
• Includes price alerts and shopping features
• Virtual cards available for checkout flexibility

Cons

• Long-term financing may include interest and fees

2. Afterpay

Afterpay is widely used for splitting purchases into four bi-weekly installments over six weeks. The approval process is quick and requires only minimal checks, and it is available at thousands of merchants both online and in-store. Afterpay is ideal for small to medium-sized purchases and appeals to younger shoppers who prefer budgeting in smaller amounts.

While payments are interest-free, users face late fees if installments are missed, and the app doesn’t typically contribute positively to credit scores.

Pros

• No interest when payments are on time
• Available across thousands of merchants
• Works in-store and online
• Fast approval process
• Clear payment schedule upfront

Cons

• Late fees can accumulate quickly

3. Affirm

Affirm stands out for offering both short-term (Pay in 4) and longer-term financing. Users can select repayment terms that best fit their budget, with some plans interest-free. Affirm is transparent, showing all costs upfront, and it reports payments to credit bureaus, which can help users build credit.

It is especially useful for larger purchases where longer repayment terms are needed. The downside is that some longer financing options come with high interest rates.

Pros

• Flexible repayment terms
• Some plans are interest-free
• Transparent pricing with no hidden fees
• Helps build credit through bureau reporting
• Accepted at many merchants

Cons

• Longer-term loans may carry high interest rates

4. Zip (formerly Quadpay)

Zip allows users to split payments into four equal installments over six weeks. It can be used online or in-store through a virtual card, making it highly versatile. The app is straightforward to use and provides quick approvals with minimal requirements.

It is popular with shoppers who want BNPL access at almost any merchant. However, late or rescheduled payments may come with fees that quickly add up.

Pros

• Works online and in-store via virtual card
• Interest-free payments when on time
• Flexible usage across many merchants
• Quick approval process
• Easy-to-use mobile app

Cons

• Fees apply for missed or late payments

5. Splitit

Splitit takes a unique approach by using your existing credit card to split purchases into installments. Since it leverages your credit line, there are no additional interest fees or loans if you pay on time. This model also allows you to keep earning credit card rewards.

It is best suited for those with good credit limits. However, not all merchants accept Splitit, and your credit card must have enough available balance to cover the purchase.

Pros

• No new credit checks required
• Keeps existing credit card rewards intact
• No interest from Splitit itself
• Simple repayment process
• Secure and transparent system

Cons

• Limited to merchants that accept Splitit

6. Sezzle

Sezzle splits payments into four equal installments over six weeks and offers flexibility by allowing one free reschedule per order. This feature makes it attractive for users managing tight budgets.

The app is widely integrated with online stores and doesn’t impact your credit score with soft checks. But, repeated rescheduling or late payments can result in additional fees.

Pros

• Free one-time rescheduling option
• Interest-free payments
• Widely accepted at online merchants
• Soft credit checks only
• Simple app interface

Cons

• Late fees for missed or repeated reschedules

7. Perpay

Perpay helps users with limited access to traditional credit by deducting payments directly from payroll. It also reports payments to credit bureaus, which makes it useful for improving credit history. The app is designed to reduce the risk of missed payments.

Nevertheless, purchases are limited to Perpay’s own marketplace, which can feel restrictive compared to other BNPL services.

Pros

• Payments deducted from payroll
• Helps build credit score
• No hard credit check
• Interest-free payments
• Useful for users with poor or no credit history

Cons

• Shopping restricted to Perpay marketplace

8. PayPal Pay in 4

PayPal’s BNPL solution lets you split purchases into four payments over six weeks, interest-free. It integrates seamlessly with your existing PayPal account and is accepted by millions of merchants worldwide.

Payments are automated, and users benefit from PayPal’s buyer protection. Remember, not every purchase qualifies for Pay in 4, depending on eligibility and merchant agreements.

Pros

• Accepted globally at millions of merchants
• Interest-free payments
• Integrated into existing PayPal accounts
• Automated repayment system
• Trusted platform with buyer protection

Cons

• Not all transactions qualify for Pay in 4

9. Tabby

Tabby is a fast-growing BNPL app in the Middle East, particularly in Saudi Arabia and the UAE. It offers four interest-free installments or the ability to pay after 14 days. Tabby also provides cashback offers and shopping deals in its app.

Thus, it is more appealing for bargain hunters. But it is geographically limited and not widely available outside its core markets.

Pros

• Flexible repayment (instalments or pay later)
• Cashback and shopping deals included
• Popular in Middle Eastern markets
• User-friendly app
• Interest-free payments

Cons

• Limited to supported regions

10. Openpay

Openpay is another BNPL option that allows for more extended repayment terms than most competitors, making it suitable for larger expenses. It offers flexibility in choosing repayment schedules beyond the typical six weeks.

Specifically, Openpay is popular in Australia and the UK, working with a wide range of merchants. The longer repayment plans may come with additional costs or interest charges.

Pros

• Extended repayment options
• Suitable for large purchases
• Widely accepted in Australia and the UK
• Flexible scheduling
• Transparent repayment structure

Cons

• Longer plans may include fees or interest

Laybuy is a solid BNPL app, but shoppers in 2025 have many alternatives offering unique advantages. From Klarna’s global reach to Affirm’s credit-building potential and PayPal’s unmatched acceptance, each app caters to different needs.

Whether you prefer flexibility, extended repayment, or region-specific platforms like Tabby, there’s an option suitable for you. However, while these apps make shopping easier, responsible use is crucial.

Keep track of your installments, avoid overspending, and always pay on time. Choosing the right BNPL app can help you manage your budget without unnecessary financial stress.