10 Best Pay Later Apps Like Quadpay and Klarna 2022

Buying now and paying later becomes a trend that e-commerce and any other online shopping platform must adapt to. There are many apps that offer customers this way of payment such as Quadpay and Klarna. These two let customers shop what they want and let them pay in installment. Along with this rising popularity, the customer keeps trying to find apps like Quadpay and Klarna.

Quad Pay and Klarna become the main players of the pay later app in the US and Europe. Quadpay claims to have more than 6 million users and has been connected to 45,000 merchants. On the other hand, Klarna also transforms into one of the biggest banks in Europe and internationally with 85 million customers. Moreover, Klarna also connected to more than 200,000 merchants in 17 countries.

But, is this new way of payment really something new or just another catchy and persuasive word used by the marketer? Well, in fact, the concept of paying your purchase later in installment has existed long ago with a credit card. Now, credit card and financing companies come in new looks which are more practical and likable.

Millennials become one of the biggest users of these apps and they’re a generation who like to find something new. So, they need to know apps like Quadpay and Klarna to fill their bucket. This article will give them the 10 best pay later apps for Android and iOS.

10 Best Buy Now, Pay Later Apps Like Quadpay and Klarna for Online Shoppers

While Klarna and Quadpay expand their domination, another similar app also emerges to cheer the market. Some of them even have what Quadpay and Klarna don’t have. A similar app like Quadpay and Klarna gives customers more selection and marks the rise of fintech.

As the two biggest players in the pay later app, Quadpay, and Klarna both charge late fees. But, other than that, they don’t bother customers with interest or any hidden fee. With demanding customers who become hard to please and always ask for something new, other pay later apps are wanted.

So, below is the list of the best apps like Quadpay and Klarna for your consideration:

1. Sezzle

Sezzle

The first similar apps like Quadpay and Klarna is Sezzle. This app is suitable for Android and iOS so just download it for free. Sezzle gives you a fun experience of shopping because it lets you pay in installment with 0% of interest. Moreover, the installment is up to 4 periods in 6 weeks. This app breaks down your total purchase cost and spreads it in a 6 weeks period.

What makes this app more fun is that it doesn’t charge you with processing fees, interest fees, and any other fees that will make your head spin. But keep in mind that there will be 25 percent due upon your purchase. This due will be spread out equally for 2 weeks apart or 3 payments period.

This app may run a profile checking to you but without affecting your score. What makes this app more interesting is that they don’t charge any fee and don’t report you to credit bureaus. There are more than 40,000 active merchants partnered with Sezzle so you will have a wide range of selections.

Sezzle - Buy Now, Pay Later
Sezzle - Buy Now, Pay Later
Developer: Sezzle
Price: Free
‎Sezzle | The way forward
‎Sezzle | The way forward
Developer: Sezzle
Price: Free

2. Afterpay

Afterpay

Partnered with more than 12,000 merchants, this app is suitable for Android and iOS. Moreover, you can use this app to pay for your purchase from big brands such as Victoria’s Secret, Macy’s, and YETI. Not only provides you a buy now pay later term for online shopping but also lets you pay in-store too. All you need to do is just activate the digital Afterpay card from the Visit the Card menu.

Interestingly, Afterpay will reward you for purchasing with this app. Pulse reward is given to a good customer who pays on time. Also, you will get a reward if you unlock an exclusive offer or choose payment flexibility. Therefore, this app has become customers’ favorite around the world. At least there are 16 million users of Afterpay.

To be able to use Afterpay is hassle-free. The customer only needs to go to desired online merchants/stores, choose items, and then choose Afterpay as a payment method. By choosing Afterpay, customers will instantly get a created account. Additionally, you don’t need to fill any form and your item will be shipped right away after payment.

Afterpay - Buy now. Pay later.
Afterpay - Buy now. Pay later.
Developer: Afterpay
Price: Free
‎Afterpay - Buy now. Pay later.
‎Afterpay - Buy now. Pay later.

3. Affirm

Affirm

Another best apps like Quadpay and Klarna is Affirm. You can get this app on your Android and iOS for free. Just like Quadpay and Klarna, customers can buy what they want online and then pay in installments later. Affirm does take an interest based on your credit score and the interest rate is around 0-30%.

Fees in Affirm are transparent. It has no late fee or any other hidden fees but it sticks to its own term and condition. Besides, Affirm is also partnered with online and offline stores. Notice that interest will be based on your credit score and habit. So, if you use this app then better to pay on time and know how much you owe.

Affirm does take a check on your credit score to calculate your risk as a borrower. The best part of Affirm is it allows you to pay until a year. Your limit will increase during time and consideration of your payment habit. A better credit score is essential for your application.

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

4. Perpay

Perpay

Perpay App is slightly a bit different yet unique pay later apps like Quadpay or Klarna. It is because they don’t need to do credit score checking. On the other hand, what they do is require users to create a PerPay profile in order to receive an estimated spending limit. So, customers can shop based on the limits they get on the registered marketplace.

To shop using PerPay is quite easy. Customers only need to add items they want and then in the payment section choose to pay by Perpay. The next process will be a reviewing process. Once it approves, customers will receive an email containing details of their due and payment schedule. This app monitors your payment history, the better your payment the higher limit you get.

But there are some requirements to be able to use this app. You must be a full-time employee, have a minimum annual income of $15,000, and have three months history with your current employer. This app like Quadpay and Klarna allows you to break your installment to 8 times weekly or monthly. What do you think? Is this suitable for you?

‎Perpay: Shop and build credit
‎Perpay: Shop and build credit

5. Zebit

Zebit

If you are looking for a simple pay later apps like Quadpay and Klarna, then you should try to install Zebit. It only requires you to fill a simple registration form to be approved. Once it’s approved, you will get a $2500 amount of credit limit. But, they do have to validate your income and identity but not include your FICO score. If you’re 18 years old above, then you’re eligible to apply.

Zebit allows you to shop at their partnered merchants as long as they do not exceed your limit. Interestingly, Zebit has no interest fee, membership, or late fees, and more importantly, your total purchase is set to never exceed your total limit. Zebit has a Zebitscore but doesn’t worry because it doesn’t affect your limit.

This app is the perfect choice for shoppers who tend to shop above the limit. Indirectly, it shapes your shopping habit in order to adjust the limit with the price. For your information, young shoppers are usually impulsive and like to shop instantly without looking back at their capability. So, to accommodate the need for shopping and manage shopping habits, this app is the solution.

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

6. Tabby

tabby

Your shopping time will be more exciting with Tabby. It is because it empowers you to be able to pay your purchase in installment. Moreover, it has no hidden fees and costs. All you have to do is just install, register, and get approved instantly. Tabby partnered with plenty of online shops and marketplaces where you can find your favorite items and brand.

Once you install Tabby, you will get weekly updates of their programs and merchant discounts. You can also manage your account by setting reminders of your upcoming payment or changing payment methods. It is considered to be millennials’ favorite because it has more than 100,000 users around the world. So, if you like to shop and pay later in installment, then you should try Tabby.

tabby | Shop now. Pay later‪.‬
tabby | Shop now. Pay later‪.‬
Developer: Tabby
Price: Free

7. Openpay

Openpay

You need to go to the dentist, but you ran out of cash? Don’t worry, simply install Openpay to be able to pay later. Not only for paying your dentist bill but also for your online purchase. It only requires you to set up an account and the system will validate your data. Once it’s approved, you will be able to shop in the interest-free payment plan.

Openpay allows you to choose your payment plan in the monthly or weekly term. Moreover, this app has partnered with a wide range of lifestyle merchants, automotive, healthcare, retail, as well as home improvement. You can also use this app to pay in-store by scanning a unique code. To avoid forgetting to pay your bill, simply utilize the Plans feature to manage your bills.

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

8. Laybuy

Laybuy

Another apps like Quadpay or Klarna is Laybuy that allows you to have interesting payment methods. The interface is amazing with a unique UI that is suitable for young shoppers. When other apps only give you 4 installments, Laybuy confidently lets you pay in 6 installments. You don’t need to worry about fees because this app is an interest-free app.

There are more than 2000 merchants of online shopping websites collaborating with Laybuy as their payment option. But, there is something a bit different when you use Laybuy that you need to pay the first installment in advance. To pay this first installment, feel free to pay using your debit or credit card. The rest of the installment will be paid on schedule so remember to pay on time.

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

9. ZestMoney

ZestMoney

You must install ZestMoney if you want to experience more than the pay later method when you shop online. ZestMoney allows you to get a personal loan for every need from healthcare, house renovation, education, and others. This app is a one-stop platform for financing that combines digital banking, AI, and mobile technology.

In India, ZestMoney itself is a fast-growing consumer lending fintech and helps more than 300 million households there since 2015. This app is suitable for customers with insufficient credit history who couldn’t access credit cards and other formal financing options. Furthermore, the approval rates are among the highest with no pre-closure fees.

It is a very helpful financing app for customers who need urgent money to buy items or services. ZestMoney will require you to submit documents such as identity and address proof. Should you have any questions or problems related to your credit, this app is supported by a 24/7 customer service officer. But unfortunately, this app is only available and eligible for Indian Residents only.

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The app was not found in the store. 🙁

10. FuturePay

Future Pay

The last best apps like Quadpay and Klarna is Futurepay where you can buy now and pay later on e-commerce and online platform. Customers are allowed to pay monthly in transparent charges. This app accommodates you to pay early in advance if you want to pay all of your balance. On the other hand, if you feel unable to settle the balance at the end of the period, you may carry it to a month longer.

FuturePay allows you to shop without a credit card and it also functions as an e-wallet. When you pay on time, your credit line remains open so you can continue buying your desirable items. But if you choose to carry out your balance to the next month, there will be charges of $1.50 per month for every $50 carried balance.

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

In conclusion, the popularity of buy now pays later term will continue to rise. Additionally, pay later apps will continue to adjust with this dynamic world of shopping. The existence of pay later apps also accommodates the need of buyers and sellers. It brings benefits to buyers by giving them a flexible payment process. While for sellers it increases their profits with more purchases.

But this flexibility and convenience must be addressed wisely. Impulsive buying without considering the financial capability will lead to bad credit. Or worse, it will lead to a bad debt score that will affect your performance in the future. So, it will be better to choose and consider wisely which apps like Quadpay and Klarna suits you best. Happy shopping!

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