Top 10 Best Apps Like Klarna in 2025

Have you ever gone shopping online, found something you loved, but then hesitated because paying the full amount at once felt overwhelming? I know that feeling all too well. Klarna made it easier with its buy now pay later service, but it is not always the perfect solution. That’s why it is important to know the best apps like Klarna.

Maybe the Klarna’s fees catch you off guard, or the app does not support your favorite stores, or perhaps you simply want more flexible repayment options. That is exactly why I started looking into Klarna alternatives, and in 2025, there are some incredible apps that can actually fit different budgets and lifestyles better.

In this guide, I have mentioned the details of the top 10 best apps like Klarna which you should also try in 2025 for a better experience.

Klarna is a popular financial app that offers buy now pay later (BNPL) services, and allows shoppers to split purchases into smaller, interest-free installments.

Instead of paying the full amount upfront, users can choose flexible payment options such as paying in four parts or delaying the payment for a set period. Klarna partners with thousands of retailers worldwide, which makes online shopping more affordable and convenient. It also provides budgeting tools, order tracking, and rewards programs.

Essentially, Klarna combines shopping, payment flexibility, and financial management into one app, making it easier for people to shop smarter and manage expenses.

Even though Klarna is great, it is not always the best fit for every shopper. It is because:

• Some people want lower fees
• Others want more merchant partnerships
• Some prefer apps that integrate better with budgeting tools.

Exploring Klara alternatives allows you to find features that better match your spending habits, provide competitive benefits, and can sometimes outperform Klarna, depending on the situation.

In the under section, I have mentioned the top 10 best apps like Klarna. These alternatives have been selected based on user experience, payment flexibility, availability in different countries, and overall popularity in 2025.

Each one has unique advantages, so it is all about finding the one that works best for you.

1. Afterpay

Afterpay is one of the most well-known Klarna alternatives. It allows you to split your purchases into four equal payments, with no interest if you pay on time. It is widely accepted across fashion, beauty, and lifestyle retailers, which makes it a strong competitor.

The app’s clean interface makes it easy to track payments and set reminders and helps you stay on top of spending.

Pros

• Easy four-installment plan
• No interest when paid on time
• Widely accepted by major retailers
• User-friendly mobile app
• Instant approval process

Cons

• Late fees can add up quickly

2. Affirm

Affirm is another excellent app like Klarna that gives you more control over payments. Unlike Afterpay’s strict four installments, Affirm allows flexible payment plans that can range from three to thirty-six months.

It also shows the interest rate upfront, so you always know what you are paying. This transparency is one reason why Affirm has earned the trust of so many shoppers.

Pros

• Flexible repayment terms
• Transparent interest rates
• No hidden fees
• Accepted by major online stores
• Offers large purchase financing

Cons

• Interest rates can be higher on long-term plans

3. Sezzle

Sezzle focuses on providing interest-free installment options while also promoting financial responsibility. What I like about Sezzle is that it allows rescheduling of payments if you need more time, which can be a lifesaver.

It is especially popular among younger shoppers who prefer a straightforward and flexible approach.

Pros

• Interest-free payments
• Ability to reschedule payments
• Strong focus on financial wellness
• Partnered with many small businesses
• Easy approval process

Cons

• Limited acceptance compared to Klarna

4. PayPal Pay in 4

PayPal has stepped into the buy now, pay later space with Pay in 4, and it is a natural choice if you already use PayPal for other purchases. It splits payments into four installments and integrates seamlessly with online checkouts.

The security and buyer protection that come with PayPal make this option especially appealing.

Pros

• Backed by PayPal’s strong reputation
• Four interest-free installments
• Works with most online stores
• Includes PayPal buyer protection
• Easy integration with PayPal wallet

Cons

• Not available for very large purchases

5. Zip (formerly Quadpay)

Zip is a Klarna competitor that allows you to split payments into four parts over six weeks. It is simple to use, and I like that it works both online and in physical stores. When you link your debit or credit card, you can use Zip almost anywhere.

As a result, it offers you the flexibility that other apps like Klarna sometimes lack.

Pros

• Works in physical and online stores
• Four easy installments
• Flexible card linking
• Fast sign-up and approval
• Broad merchant support

Cons

• Charges convenience fees on some payments

6. Splitit

Splitit takes a different approach by allowing you to use your existing credit card and split payments without additional interest or fees. Since it relies on your card’s credit limit, approval is almost instant.

It is especially useful for larger purchases where you want to spread the cost without applying for a new line of credit.

Pros

• Uses existing credit card
• No extra interest or fees
• Works with major cards worldwide
• Great for large purchases
• No credit check required

Cons

• Limited to cardholders with enough credit limit

7. Perpay

Perpay is unique because it combines shopping and financing into one platform. Instead of buying from third-party retailers, you can shop directly in the Perpay marketplace and pay over time through small payroll deductions.

It makes it particularly appealing if you want to manage payments automatically without worrying about missing due dates.

Pros

• Payment via payroll deductions
• No credit check required
• Dedicated shopping marketplace
• Easy automatic payments
• Helps build credit with responsible use

Cons

• Limited to items available on Perpay marketplace

8. Laybuy

Laybuy is popular in regions like the UK, Australia, and New Zealand. It offers six weekly payments with no interest, which spreads costs more gradually compared to four-installment models.

I find Laybuy particularly useful for fashion and lifestyle shopping, where it has a strong presence.

Pros

• Six weekly installments
• No interest charged
• Popular among fashion retailers
• Easy integration with online checkouts
• Global presence in multiple countries

Cons

• Limited availability in the United States

9. Zilch

Zilch is a newer competitor that functions almost like a hybrid between buy now pay later and a debit card. I can use it at thousands of online stores, even those not officially partnered. Payments are split into installments, and Zilch even offers rewards, which is a unique touch.

Pros

• Works with many online stores
• Installment payments with ease
• Offers cashback rewards
• Quick sign-up process
• Strong customer support

Cons

• Some fees apply for certain purchases

10. FuturePay

FuturePay is designed for people who prefer an open line of credit rather than installment-based plans. With FuturePay, you can carry a balance and make flexible monthly payments instead of fixed schedules.

It is best suited for ongoing shoppers who want continuous access to a revolving credit line.

Pros

• Flexible monthly payments
• Open line of credit
• No need for a traditional credit card
• Works across multiple retailers
• Convenient for frequent shoppers

Cons

• Interest charges apply if the balance is carried

These are the details about the top 10 best apps like Klarna.

Klarna may have popularized buy now pay later services, but it is far from the only option in 2025. From Afterpay’s simple four installments to Affirm’s flexible long-term plans and Perpay’s payroll-based model, there is something for everyone.

Personally, I like experimenting with different apps depending on the type of purchase I am making. The key is to choose an app that fits your shopping style and financial comfort level. When you start exploring these top ten Klarna alternatives, you can shop smarter and more confidently this year.