Home > BNPL Guide
🛍️ Buy Now, Pay Later Guide
Shop now, pay in installments
Understand how BNPL services work, compare options, and use them responsibly to avoid debt traps.
Top BNPL Services
Klarna
Split in 4: Pay in 4 interest-free installments
Available: Global
Credit check: Soft check only
Afterpay
Split in 4: Every 2 weeks
Available: US, UK, AU, Canada
Late fees: Up to $8 per payment
PayPal Pay Later
Options: Pay in 4 or Pay Monthly
Integration: Works wherever PayPal is accepted
Interest: 0% APR for Pay in 4
How BNPL Works
Getting Started with BNPL
- Choose Your Service
Select a BNPL provider that works with your favorite retailers and offers terms that fit your budget. - Shop and Select BNPL
At checkout, select your BNPL service as a payment method instead of paying the full amount upfront. - Get Instant Approval
Most BNPL services provide instant decisions based on a soft credit check that won’t affect your credit score. - Make Your Payments
Set up automatic payments or pay manually according to your chosen schedule to avoid late fees.
Important: BNPL services can help with budgeting but can also lead to overspending. Always ensure you can afford the payments before using these services.