Buying something online and wanting to spread the cost? You're in luck! Buy now, pay later apps are super popular and make shopping way easier. These apps let you buy things you need or want, and then pay them off in installments, interest-free! We've rounded up the best buy now, pay later apps available on both Android and iPhone.
So what are the best options? Well, Klarna | Shop now. Pay later. is great for smaller purchases, while Affirm is fantastic for big-ticket items. If you like to pay things off in four installments, Afterpay is the go-to choice. Ready to find your perfect buy now, pay later app? Read on!
| App | Logo | Available On | Reviews | Downloads | Features |
|---|---|---|---|---|---|
| 1. Klarna | Shop now. Pay later. |  | Android, iOS | 4.8/5 | 47M+ | Shop now, pay later, Personalized inspiration, Exclusive discounts |
| 2. Affirm |  | Android, iOS | 4.9/5 | 10M+ | Flexible payment plans, Exclusive deals and rates, High-yield savings account |
| 3. Afterpay |  | Android, iOS | 4.9/5 | 10M+ | Shop now, pay later, Split payments into 4, No interest or fees |
| 4. Tabby | Shop now. Pay later. |  | Android, iOS | 4.8/5 | 5M+ | Interest-free payments, Cashback rewards, Shop now, pay later |
| 5. Zip |  | Android, iOS | 4.7/5 | 4M+ | Shop now, pay later, Split any purchase in 4, Use anywhere |
| 6. Empower |  | Android, iOS | 4.7/5 | 4M+ | Instant cash advances, No credit score required, No interest or late fees |
| 7. Sezzle |  | Android, iOS | 4.9/5 | 3M+ | Shop now, pay later, No interest, no fees, Easy 4-payment split |
1. Klarna | Shop now. Pay later.
Split purchase into 4 payments, Interest-free payments every 2 weeks
Download:
Application information
| Category | Shopping |
| Downloads | Over 46 million downloads |
| Features | Klarna lets you split your purchases into 4 interest-free payments, discover deals and discounts, track your finances, and shop directly from participating retailers. |
| Who It’s For | Shoppers who want to make purchases with flexible payment options and enjoy a seamless shopping experience. |
- Tags:
- Shop now, pay later
- Interest-free payments
- Personalized Inspiration
Klarna is a popular buy now pay later app that allows users to split purchases into four interest-free installments, making it easier to manage spending and budget. While users appreciate the flexibility of spreading payments, some have expressed frustration with the fixed payment schedule, finding it doesn't always align with their pay cycles. Although Klarna offers the option to postpone payments, some users would prefer more control over payment dates, especially those who receive bi-weekly paychecks. While users acknowledge the convenience of Klarna's service, they also highlight occasional issues with checkout and payment processing, which can be frustrating for repeat customers.. Klarna | Shop now. Pay later.
Pros & Cons
- Spread out payments
- Easy to use
- Postpone payments
- Good customer service
- Payment dates not flexible
- Issues with repeat orders
- Payment failures at checkout
Why we chose it?
Klarna is my go-to for buy now, pay later because it's super easy to use and integrates seamlessly with tons of online stores. Plus, I love that I can track all my purchases and payments in one place, making budgeting a breeze!
✨ Read more: app for bill splitting
2. Affirm
Flexible payments, low APR, Shop anywhere, pay later, Manage account, track spending
Download:
Application information
| Category | Buy Now Pay Later App |
| Downloads | Over 10 million downloads |
| Features | Affirm lets you split purchases into smaller, interest-free payments, manage your account, and explore exclusive deals and rates as low as 0% APR. |
| Who It’s For | Shoppers looking for flexible payment options and a way to manage their spending. |
- Tags:
- Flexible payments
- Exclusive Deals
- High-yield account
Affirm is a buy now, pay later app that's been a lifesaver for many, including those with less-than-perfect credit. It offers flexible payment plans with clear terms, so you know exactly how much you'll pay and when. One user shared how they were able to purchase items they couldn't afford upfront, thanks to Affirm's approval process and affordable monthly payments. Another user lauded Affirm's ability to manage their spending, particularly for time-sensitive purchases, making it a reliable tool for responsible budgeting and financial flexibility.
Pros & Cons
- Easy approval, even with bad credit
- Clear payment plans with fixed interest
- Affordable monthly payments for big purchases
- 0% financing options available for some items
- Potential for high interest if not paid on time
- Limited to specific merchants and products
- May encourage overspending
Why we chose it?
I'm a huge fan of Affirm! It's my go-to for buy now, pay later because their transparent pricing and flexible payment options are truly game-changers. Plus, their app is super easy to use, letting me manage my payments and track my spending with no hassle.
✨ Read more: app to pay bills online
3. Afterpay
Interest-free payments in 4, Shop online and in-store, New brands and deals daily
Download:
Application information
| Category | Shopping |
| Downloads | Over 9.8 million downloads |
| Features | Afterpay is a buy now pay later app that lets you split your purchases into four interest-free payments, shop exclusive deals, manage your payments, and track your spending. |
| Who It’s For | Shoppers who want to buy now and pay later without interest charges, and who are looking for exclusive deals and discounts. |
- Tags:
- Pay in 4 interest-free payments
- Shop now, pay later
- Exclusive shopping deals
Afterpay is a popular buy now pay later app that lets you split your purchases into four interest-free payments, providing a flexible way to manage your spending. While some users appreciate the increased budget and ability to pay over time, especially during unexpected financial hardships, others have expressed concern about recent changes, like the removal of tiered systems that offered payment flexibility. Despite occasional technical glitches, users generally praise Afterpay's vast selection of merchants and its ability to help them stay on top of their finances with manageable payment plans.
Pros & Cons
- Flexible payment schedule
- No interest charges
- Increased spending power
- Manages unexpected expenses
- Tier system removed
- Immediate payment required
- App glitches experienced
Why we chose it?
Afterpay is my go-to buy now, pay later app because it's super easy to use and integrates seamlessly with my favorite online stores. I love that I can split my purchases into four interest-free payments, making big purchases feel less overwhelming and giving me more control over my budget. Plus, Afterpay's wide selection of participating retailers means I can use it for everything from clothes to home goods!
✨ Read more: app for shopping
4. Tabby | Shop now. Pay later.
Split purchases into 4 payments, No interest or hidden fees, Earn cashback on purchases
Download:
Application information
| Category | Shopping |
| Downloads | Over 4.6 million downloads |
| Features | Tabby lets you split your purchases into 4 interest-free payments, billed monthly, earn cashback at select stores, and offers access to exclusive deals and promotions. |
| Who It’s For | Shoppers who want to spread the cost of their purchases with interest-free payments and earn cashback. |
- Tags:
- Shop now, pay later
- Split payments in 4
- Interest-free and no fees
Tabby is a buy now, pay later app that allows you to split purchases into four interest-free payments. While users praise its wide selection of participating stores, the app's automated approval process has drawn criticism. Some users report inconsistent approvals, with purchases of varying amounts being accepted or denied seemingly at random. Additionally, customer service issues and difficulties reactivating the Tabby Plus feature have led to frustration among some users, highlighting the need for improvement in both technical and support areas.. Tabby | Shop now. Pay later.
Pros & Cons
- Split purchases in 4 installments
- No fees for using the service
- Wide variety of participating stores
- Convenient way to manage payments
- Inconsistent approval process
- Customer support issues reported
- Account blocking issues reported
Why we chose it?
Tabby is my go-to for buy now, pay later because it's completely interest-free – no hidden fees or surprises. I love that I can split my purchases into four easy payments and still earn cashback at participating stores! It's a flexible and rewarding way to shop, and I can't recommend it enough.
✨ Read more: app to borrow money
5. Zip
Split payments into four installments, Shop online and in-store
Download:
Application information
| Category | Shopping |
| Downloads | Over 4.3 million downloads |
| Features | Zip, formerly known as Quadpay, is a buy now, pay later app that lets you split purchases into 4 interest-free installments over 6 weeks, available online and in-store at millions of retailers. |
| Who It’s For | Shoppers who want to spread out the cost of their purchases and manage their budget better. |
- Tags:
- Shop now, pay later
- Split payments in 4
- No long application forms
Zip is a popular buy now, pay later app that offers a convenient way to split purchases into manageable installments. Users rave about its flexibility, praising its ability to finance a wide range of items, from car parts to everyday essentials. Many appreciate the ease of use and the low interest charges, making it a compelling option for budgeting and managing expenses. However, some users have expressed frustration with the app's built-in browser, which has been criticized for its slow performance and unreliable functionality. Despite these technical hiccups, Zip remains a popular choice for those seeking a hassle-free way to spread out payments and manage their finances.
Pros & Cons
- Easy to use app
- Finance almost anything
- Low interest charges
- Convenient for online & in-store purchases
- Poor built-in browser
- Customer service issues
- Limited spending power
Why we chose it?
Zip is my go-to buy now, pay later app because it's super easy to use, has tons of great retailers, and doesn't charge any interest or fees. Plus, their app is super user-friendly and I love that I can track my payments and see exactly how much I owe.
6. Empower
Instant cash advances up to $300, No credit checks or interest charges
Download:
Application information
| Category | Finance |
| Downloads | Over 3.6 million downloads |
| Features | Empower offers instant advances, credit score tracking, budgeting tools, and the ability to build credit through responsible financial management. |
| Who It’s For | This app is ideal for individuals seeking a buy now, pay later solution, particularly those who need short-term financial assistance or want to improve their credit scores. |
- Tags:
- Instant cash advances
- No Credit Checks
- No interest or late fees
Empower is a buy now pay later app that offers instant advances of up to $300, allowing users to bridge the gap between paychecks. Users praise the app's ease of use and quick approval process, noting that it's been a lifesaver in times of need. While some have reported a decrease in their advance limit after consistent repayment, others have found the app's automatic savings feature to be a valuable tool for building their financial security. Despite some users experiencing technical issues, many are satisfied with Empower's ability to help them improve their credit score and access small loans.
Pros & Cons
- Quick and easy access to cash
- Helps build credit score
- Automatic savings feature
- Cancel anytime option
- Advance amount can decrease suddenly
- App access issues reported
- Loan amounts may not be substantial
Why we chose it?
I love Empower because it's not just about buying now and paying later, it's about building a better financial future. They offer instant cash advances with no interest or late fees, so you can avoid overdraft charges and get back on track. Plus, their credit-building tools help you improve your score, which is a huge win in the long run!
7. Sezzle
Pay in 4 interest-free installments, Shop thousands of retailers
Download:
Application information
| Category | Shopping |
| Downloads | Over 3 million downloads |
| Features | Sezzle is a buy now pay later app that allows users to split their purchases into four interest-free payments, manage their budget, and earn rewards. |
| Who It’s For | Shoppers who want to make purchases more affordable and manage their finances more effectively. |
- Tags:
- Buy now, pay later
- No hard credit check
- Interest-free installments
Sezzle is a popular buy now, pay later app that allows you to split purchases into four interest-free installments over six weeks. While users appreciate the flexibility and convenience of spreading out payments, recent changes have raised concerns. Some users report frustration with fluctuating policies and added fees, particularly a "convenience fee" for using a debit card. While the app is praised for its ease of use and helpful customer service, these changes highlight the importance of careful budgeting and understanding the terms of service to avoid unexpected charges.
Pros & Cons
- Helps stretch your money
- Perfect for Christmas shopping
- No penalty for payment arrangements
- Good for budgeting and saving
- Constantly changing policies
- Charges fees on fees
- Late charges can be costly
Why we chose it?
Sezzle is my go-to buy now, pay later app because it's super easy to use and doesn't impact my credit score, which is a big plus for me. Plus, with no hidden fees or interest, I can budget my purchases better and avoid overspending. Sezzle makes splitting payments a breeze, so I can enjoy my new goodies without stressing about the cost.
8. Perpay
Buy now, pay over time, Build credit while shopping, Small payments from paycheck
Download:
Application information
| Category | Buy Now Pay Later App |
| Downloads | Over 1.4 million downloads |
| Features | Perpay allows you to buy now and pay later with small payments from your paycheck, build credit, and access up to $1,000 in spending power, all without fees, interest, or a credit check. |
| Who It’s For | Perpay is perfect for people who want to manage their finances better, build credit, and avoid high-interest debt. |
- Tags:
- No fees, interest, or credit check
- $1,000 average spending power
- Average credit score increase of 39 points
Perpay is a buy now pay later app that allows you to purchase electronics, appliances, and other goods without breaking the bank. While users appreciate the app's ease of use and impressive selection, some have expressed concerns about the speed and direct deposit payment system. However, Perpay has demonstrated prompt customer service and a commitment to addressing user feedback, which has resulted in improved ratings and a growing user base. If you're looking for a flexible way to pay for big purchases, Perpay could be a worthwhile option.
Pros & Cons
- Easy to use interface
- Impressive product selection
- Buy now, pay later option
- Helpful customer service
- Slow app performance
- Direct deposit requirement
- Higher prices than competitors
Why we chose it?
Perpay is my go-to buy now, pay later app because it's super easy to use and doesn't require a credit check. I love that I can split my purchases into smaller payments without racking up interest or hidden fees, which helps me stay on track with my budget!
9. Progressive Leasing Mobile
Apply for instant decision, Shop thousands of retailers, Lease-to-own purchase option
Download:
Application information
| Category | Shopping |
| Downloads | Over a million downloads |
| Features | The Progressive Leasing Mobile app allows users to apply for lease-to-own financing at over 30,000 retail locations nationwide, get instant decisions, and manage their lease-to-own accounts. |
| Who It’s For | Consumers looking for a buy now pay later app to purchase items they need without needing perfect credit. |
- Tags:
- Instant credit decision
- Shop from anywhere
- 30,000+ retail locations
Progressive Leasing Mobile is a buy now, pay later app that simplifies the process of acquiring the items you need. Users rave about its user-friendliness, with features like easy balance tracking, scheduled payment reminders, and the ability to retrieve lost lease information all within the app. This convenience allows users to stay on top of their payments and manage their leases with ease. While some have expressed concerns about the buy-out pricing, the app remains a popular choice for those who prefer the flexibility of a buy now, pay later option.
Pros & Cons
- Easy to use and navigate
- Shows balance, payments, and due dates
- Provides reminders for payments
- Offers early buyout option
- High buy-out prices, overcharging
- Limited flexibility with early buyout
- May not be affordable for all users
Why we chose it?
Progressive Leasing is a fantastic buy now, pay later app that makes getting what you need a breeze! With our easy-to-use app, you can apply for instant credit approval right from your phone and find a store near you that carries the items you want. We also have a huge network of retailers, so you’re sure to find something you love!
10. Zilch. Pay your way.
Pay over 6 weeks, 0% APR, Shop anywhere Mastercard is accepted
Download:
Application information
| Category | Buy Now Pay Later App |
| Downloads | Over 1 million downloads |
| Features | Zilch allows users to split purchases into six weekly installments with 0% APR and no late or overdraft fees, offering flexible payment options and potential rewards. |
| Who It’s For | Consumers seeking a convenient and affordable way to spread out their purchase costs, particularly those who prefer to avoid interest charges and late fees. |
- Tags:
- 0% APR* loans
- No late fees
- No overdraft fees
Zilch. Pay your way. is a popular buy now pay later app that allows you to split your purchases into manageable installments over six weeks. Users rave about its ease of use and the flexibility of paying back early to raise their credit limit, earning rewards for full payments. While some users have expressed frustration with login issues and stagnant credit limits, the app remains a valuable tool for those seeking responsible financial management. However, the reliability of payments has come under scrutiny, with users experiencing declined transactions and struggling with customer service to resolve issues.
Pros & Cons
- Easy to use and manage
- Pay instalments early for rewards
- Helps build credit limit
- Good for budgeting and spending
- App doesn't remember login details
- Credit limit may not increase
- Payment declines can be frequent
Why we chose it?
I absolutely love Zilch! It's my go-to for buy now, pay later because it's super easy to use and doesn't charge any interest or late fees. Plus, you can use it at tons of online stores, including all my favorites like Amazon and eBay.
11. Deferit
Pay bills, no interest, no fees, Split payments, four installments
Download:
Application information
| Category | Buy Now Pay Later App |
| Downloads | Over 400,000 Downloads |
| Features | Deferit lets you split any bill into 4 interest-free installments, allowing you to pay over time without late fees. |
| Who It’s For | Ideal for individuals seeking flexible payment options for bills like internet, phone, TV, and more. |
- Tags:
- No interest or late fees
- Split bills in 4
- Save money on bills
Deferit is a buy now, pay later app that allows you to split your bills into four installments, offering a convenient way to manage your finances. Users praise the app's ability to help them avoid late fees and service disruptions, as one user shared how it prevented their phone from being shut off. While the app generally receives positive feedback for its user interface and flexibility, some users have raised concerns about the subscription fee, which has recently increased from $4.99 to $14.99. Despite the rising cost, many continue to appreciate the convenience and financial relief Deferit provides, demonstrating its potential as a valuable tool for managing monthly expenses.
Pros & Cons
- Convenient bill payment
- Split bills into payments
- Easy user interface
- Adjustable payment day
- Limited bill payment
- High monthly subscription
- Subscription fee increase
Why we chose it?
Deferit is my go-to for buy now, pay later because it's super easy to use, pays your bills directly, and doesn't charge interest or late fees. I just snap a photo of my bill, choose how much to pay, and Deferit handles the rest! It's a lifesaver for keeping my finances on track and I love that it helps build my credit history too.
12. Four | Buy Now, Pay Later
Interest-free payments, every 2 weeks, Shop and manage orders easily
Download:
Application information
| Category | Finance |
| Downloads | Over 345 thousand downloads |
| Features | Four allows you to shop now and pay later, split purchases into 4 equal interest-free payments, manage orders and payments, track payment history, and receive payment due notifications. |
| Who It’s For | Shoppers who want to spread out the cost of their purchases and manage their finances easily. |
- Tags:
- Shop now, pay later
- Interest-free payments
- Easy payment management
Four | Buy Now, Pay Later is a fantastic buy now pay later app that allows you to purchase items and split the cost into four equal, interest-free payments every two weeks. Users have praised the app for its ease of use, hassle-free payment process, and prompt customer support. While some users have reported occasional issues with generating payment cards, the app's developers are actively working to resolve these problems. Four has proven to be a valuable tool for managing finances and making larger purchases more accessible, particularly when money is tight.
Pros & Cons
- Helps when money is tight
- Easy to use and manage
- Hassle-free payment experience
- Great customer support
- App issues with card generation
- Delayed payment processing
- Limited payment options
Why we chose it?
Four is my go-to buy now, pay later app because it's super easy to use and offers interest-free payments, which is a huge plus! I love that I can shop at all my favorite stores and split the cost into four equal payments, making it super manageable.
13. Uplift
Flexible payment options, Interest-free financing available, Shop hundreds of retailers
Download:
Application information
| Category | Buy Now Pay Later App |
| Downloads | Over 198,000 downloads |
| Features | Uplift allows you to split purchases into manageable monthly payments with flexible terms, including interest-free options, at hundreds of popular stores and travel brands. |
| Who It’s For | Shoppers looking for a convenient and affordable way to pay for big-ticket items, especially travel and other leisure experiences. |
- Tags:
- Interest-free terms
- Low monthly payments
- Hundreds of stores
Uplift is a buy now pay later app that allows you to spread out the cost of your purchases into manageable monthly installments. It's a great option for travelers who want to upgrade their flights or pay for a big vacation, and it's also a good choice for anyone who wants to make a large purchase without feeling overwhelmed by the price tag. While Uplift offers low monthly payments and interest-free terms, some users have raised concerns about the app's auto-pay feature and customer support availability. Despite these issues, many users find Uplift to be a valuable tool for making their travel dreams a reality.
Pros & Cons
- Buy now, pay later option
- Great for travel purchases
- Offers flexible payment plans
- Convenient and user-friendly app
- Auto-pay is non-negotiable
- Tech support not always available
- App can have technical issues
Why we chose it?
Uplift is my go-to buy now, pay later app because it's super easy to use and offers flexible payment plans for both travel and everyday purchases. I love that I can split my payments into smaller, manageable installments, which helps me stay on budget and avoid overspending. Plus, Uplift's low interest rates and interest-free options make it a great choice for responsible budgeting.
14. Mintpay | Shop now. Pay later.
Interest-free installments, 3 payments, Wide range of merchants, shop local
Download:
Application information
| Category | Shopping |
| Downloads | Over 189 thousand downloads |
| Features | Mintpay allows users to split their purchases into three interest-free installments, offering a convenient and budget-friendly way to manage expenses. |
| Who It’s For | Shoppers looking for a buy now pay later app to spread out their payments and manage their budget. |
- Tags:
- Shop now, pay later
- Interest-free installments
- Debit and credit cards accepted
Mintpay is a user-friendly buy now, pay later app that allows you to shop with confidence and split your purchases into three interest-free installments. Users rave about its clean interface, ease of use, and access to a diverse range of stores. While the app offers flexibility, some users have expressed concerns about security and are calling for features like fingerprint or PIN authentication to enhance protection of their financial data. With its commitment to providing a seamless shopping experience, Mintpay continues to improve and evolve based on user feedback.. Mintpay | Shop now. Pay later.
Pros & Cons
- Easy to use interface
- Great selection of stores
- Interest-free installments
- Convenient for budget management
- Lacking security features
- Inconvenient login process
- Password manager incompatibility
Why we chose it?
Mintpay is my go-to buy now, pay later app because it's incredibly user-friendly, offers a wide range of participating merchants, and lets me split my purchases into three interest-free installments. I love that it's so easy to find the stores I want to shop at, and the app makes it super simple to manage my payments. Plus, there are no hidden fees or interest charges, which makes it a real winner for me!
15. Katapult Shop & Lease to Own
Shop now, pay later, No credit required, Flexible payment options
Download:
Application information
| Category | Buy Now Pay Later App |
| Downloads | Over 150,000 downloads |
| Features | Katapult lets you shop now and pay over time at 100+ retailers with no credit check, easy online application, flexible payment options, and convenient lease management within the app. |
| Who It’s For | Consumers who want to make large purchases without upfront payment and prefer flexible payment options. |
- Tags:
- No credit required
- Easy, flexible payments
- Shop 100+ retailers
Katapult Shop & Lease to Own is a popular buy now pay later app that allows you to purchase items from a variety of retailers and pay for them over time. While users praise the app's simplicity for applying, purchasing, and making payments, recent reports of frustrating bugs and error messages have emerged. Users have experienced persistent crashing, validation issues during checkout, and error messages that prevent them from even entering their six-digit codes. Despite these technical hiccups, Katapult's straightforward interface and flexible payment options remain attractive to those seeking an alternative to traditional financing.
Pros & Cons
- Simple to navigate
- Simple to purchase
- Simple to apply
- Simple to pay
- Continously crashing app
- Ridiculous error messages
- Checkout process stuck
Why we chose it?
I absolutely love Katapult! It's super easy to use and doesn't require a credit check, which is amazing. I can shop at tons of my favorite stores and pay off my purchases over time, making it so much easier to budget.
16. Snap Finance
Facial recognition login, Manage lease details, View transaction history
Download:
Application information
| Category | Shopping |
| Downloads | Over 100,000 downloads |
| Features | The Snap Finance app lets you manage your lease-to-own agreements, view transaction history, make payments, and explore ownership options. |
| Who It’s For | People who use the Snap Finance buy now pay later service. |
- Tags:
- Quick and secure login
- Easy payment management
- Convenient transaction history
Snap Finance is a buy now, pay later app that offers a convenient and flexible way to finance unexpected expenses, like car repairs. Users praise its excellent customer service, which goes above and beyond to accommodate customers, extending payment deadlines when needed. The app itself is lauded for its simplicity and efficiency, making it easy to manage payments and track loan details. With its 100-day interest-free period and a network of accepting mechanics, Snap Finance provides a valuable service for those needing a helping hand with unexpected costs.
Pros & Cons
- 100 days interest-free payment
- Easy to use and efficient
- Excellent customer service
- Wide network of accepting mechanics
- Small processing fee
- Limited payment flexibility
- No feature for early repayment
Why we chose it?
I love Snap Finance! It's super easy to use and lets me break down big purchases into manageable monthly payments. I especially appreciate the flexible payment options and the ability to track my progress towards ownership. Plus, the app is super intuitive, making it a breeze to manage my lease-to-own agreements.
17. PayBright by Affirm
Instant approval, no hidden fees, Flexible payment plans, low APR
Download:
Application information
| Category | Shopping |
| Downloads | Over 100,000 downloads |
| Features | The PayBright app offers a streamlined shopping experience with instant approval for payment plans, no hidden fees, and no compounding interest, allowing you to manage your account, transactions, and payment methods conveniently. |
| Who It’s For | This buy now pay later app is perfect for shoppers looking for flexible payment options and a convenient way to manage their purchases. |
- Tags:
- No hidden fees
- No compounding interest
- Instant approval
PayBright by Affirm is a buy now, pay later app that lets you spread the cost of your purchases over time. While the service itself is generally well-regarded, the app itself has received criticism for its clunky user experience. Users have complained about the app's tendency to forget login information, process payments with a delay, and frequently log users out. Additionally, the app has been noted for its slow performance and lack of availability at many stores.
Pros & Cons
- Shop at favorite stores
- Pay over time, no interest
- Easy to set up payments
- Good customer service overall
- App frequently logs you out
- Slow and unresponsive at times
- Payments processed next business day
Why we chose it?
PayBright by Affirm is my go-to buy now, pay later app because it's super easy to use, offers flexible payment plans, and is completely transparent with its pricing. No hidden fees or compounding interest means I can budget confidently, knowing exactly what I'm paying. Plus, their app makes managing my payments and finding new stores that offer PayBright a breeze!