15 Best Apps Like Klarna 2023

With online shopping becoming a standard, shopping apps like Klarna can help you shop securely, easily, and even get things you need without breaking the bank.

Klarna is a shopping app that can help you get discounts, have more time to pay, split any online purchase into four payments, and even earn rewards while using Klarna.

However Klarna is not the only platform offering easy financing options. Afterpay, Splitit, Affirm – these are all popular BNPL services. The best app like Klarna is Zip. It doesn’t charge you as much as Klarna does on a late payment. Tracking your account is super easy too with the Zip app.

Though Klarna services are good, but you might not qualify to use it. In such a case, you can consider one of these alternatives.

These 15 apps below work similarly to Klarna yet have different terms and agreements that will help you have the best shopping experience online.

Take a look, you’ll most likely find an app that will fit your shopping habits!

Best Apps Like Klarna

1. Zip (Quadpay)

Zip was previously known as Quadpay, and it’s a shopping app that helps you buy anything online and pay for it later.

Like Klarna, Zip allows you to split your purchase into four smaller payments. However, Zip gives you a range of six weeks to pay off the product while Klarna gives you slightly more, which is eight weeks.

But Zip’s advantage is that you can use it to pay bills, groceries, and even shop in-store. In addition, you can use Zip anywhere where Visa is accepted as a payment method.

If you are late with your payment, it’s good to know that Zip has lower fees than Klarna. Zip’s late fees depend on the location, but you can expect to pay anywhere between $5 to $10, while with Klarna, you’d pay $7 if the payment doesn’t go through on a set date.

With a smartphone app, you can use Zip anywhere and take it with you, even when you’re shopping offline. With clear insight on how much you’re allowed to spend as soon as you open the app, your shopping habits will stay in control.

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2. Afterpay

Afterpay is another similar app to Klarna that can help you purchase anything online and pay it off later.

With Afterpay, you can split a purchase into four smaller payments over six weeks, and you won’t ever have to pay any interest.

However, if you happen to miss a payment on a set date, Afterpay will calculate the fee differently than Klarna does. Afterpay caps the fee at 25% of the order value, so the cheaper your order was, the cheaper the late fee will be.

The Afterpay app is easy to use since the signup process is minimal, and it even includes an in-app digital card that you can use if you ever shop in-store and you’d still like to split the purchase.

Within the app, you also get useful insights such as the available spend and limits that can increase as you pay off more than a couple of purchases successfully on time.

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3. Splitit

Splitit is a unique shopping app that works differently than Klarna. Splitit can connect to your existing credit card and give you the chance to pay off purchases at your own pace.

There is no interest, no fees, you don’t need to fill out any applications, and you won’t even have to undergo a credit check.

When you place a new order with Splitit, a hold is placed on your credit card, which is only for authorization purposes that give you the ability to pay off the purchase in the number of installments chosen by you.

Therefore, Splitit is not a buy now and pay later shopping app. It is an app where you get to pay as you go, and Splitit will reauthorize the hold and help you reduce the amount every month.

Splitit is ideal for higher-priced purchases, and that’s why it’s most popular in stores such as Canyon, James Allen, Nectar, Vestiaire Collective, and others.

The only downside is that you can’t use a debit card, it has to be a credit card, so you can get Splitit’s help to authorize the hold and manage the payoff as you pay on the go.

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4. Affirm

Affirm is another shopping platform similar to Klarna, where you have more freedom to pay off the purchases you made.

With Affirm, you can pay at your own pace, but you’ll always have insight into how much you will pay and how soon you will have to pay it off. But the key difference is that Affirm doesn’t have hidden or late fees.

Affirm is a very popular check-out option at some of the biggest stores such as Walmart, Target, Amazon, Expedia Hotels, and other online stores, but you can also use Affirm in stores if you order an Affirm Debit+ card.

After deciding on the store and adding products to your cart, you only need to choose Affirm as a payment method and then choose the payment terms.

You can choose between four interest-free payments or monthly installments that come with a small interest fee. But seeing the monthly installments as an option is a great option if you’re purchasing something of a higher value.

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5. Sunbit

Klarna is great for online shopping of items and things you might not necessarily need at that exact moment, but Sunbit is a similar shopping app that helps you to take care of your daily and most necessary shopping needs.

Sunbit has a quick 30-second approval on all orders, and you can use it both online and offline. With the super-light app, you can take Sunbit with you on the go and have it with you whenever you shop.

All you need to get started with Sunbit is to confirm your identity with one of the valid documents. Then Sunbit will pre-approve a certain amount of money you can spend.

Upon choosing the amount you’d like to use for the purchase, you will get to choose between three, six, or twelve installments. Then, upon reviewing the monthly payments, due dates, and all other transparent information such as the APR and the total finance charge, you can quickly place your order and have your monthly installments ready.

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6. Zebit

Zebit isn’t only a shop app like Klarna, but it is a whole marketplace where you can find top brands and thousands of products you can buy now and pay over time.

With Zebit, you can get up to $2,500 of credit to purchase any products you find in the Zebit marketplace. And the price you see at check-out is the final price you’ll have to pay over time.

There are no hidden fees, no credit score checks that can affect your rating, and the application is quick and easy.

Even though you will have to make a down payment of about 20 to 30%, you’ll be able to pay the rest over six months with up to 12 installments.

With a clear view of the spending limit and financing insights inside Zebit’s app, you can easily keep track of your spending and know your limits.

Zebit’s breakdown of the financing for every purchase is very transparent, which is another benefit as it won’t hide any fees, and you’ll know exactly how much something will cost you in total.

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7. Venue

Venue is another versatile platform that includes a marketplace and a shopping app that help you purchase now and pay over time.

Of course, this shopping app is only valid if you purchase products from Venue’s marketplace. But with the wide range of products, including top brands, you won’t ever have to use any other marketplace.

With special financing, you can pay for your orders in six or twelve months, which is a much longer time frame than most other shopping apps. And if you make all your payments on time and within the chosen timeframe, you won’t have to pay any interest at all.

The great thing is that Venue includes a wide range of product categories, including fashion & beauty, home, kitchen, electronics, sports, outdoors, musical instruments, automotive, and many other smaller subcategories where you can find plenty of quality products.

With the ability to pay for orders in 12 months, purchasing high-priced items such as laptops, smartphones, or electronics through Venue won’t break the bank, and you’ll always be able to keep your finances and spending in check.

On top of that, Venue provides discounts on certain products, and you can finance orders of up to $4,000 at once, where installments can ease the burden of purchasing more expensive products.

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8. Sezzle

Sezzle is a similar shopping app to Klarna because of very similar payment terms. With Sezzle, you can pay off your order in four installments over six weeks.

The application process is very simple, and it’s even quicker than the one Klarna has. You can get the results instantly, and no credit card checks will impact your credit score.

If you pay off your orders in time, you won’t have to worry about interest rates or fees. But if you accidentally end up missing a payment, keep in mind that Sezzle charges a $10 fee for every failed transaction. However, you have a two-day grace period of missing a payment to make it without paying the late fee.

Sezzle works in a wide range of stores, and the most popular categories include products for women & men, home, accessories, and beauty products.

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9. Laybuy

Laybuy is a middle man between a shopper and a store by helping shoppers get what they want without breaking the bank and stores making the sale at the end of the day.

By choosing Laybuy as your payment method, you only need to register once by filling out the application, and every other time you choose it as a payment method, it will only require a login.

Upon approval, Laybuy gives you a chance to choose a payment day, set your payment installments, and input your credit card to finish the payment.

All information is transparent within the Laybuy app, so you will know exactly how much the downpayment is, when the due date is for an automatic payment every month, and how many installments you set (with an exact figure for each installment you have to pay).

One of the biggest differences is that Laybuy splits your payment into weekly installments automatically, so you will have to pay up to a maximum of six weekly installments.

Of course, there is no interest rate if all installments are paid on time.

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10. ViaBill

ViaBill is one of the simplest shopping apps. It helps you purchase products that might be out of your budget, but at a price you can afford.

With a ViaBill shopping app, you can choose to split your purchase into four installments to pay for the order over time.

Interestingly enough, there is no down payment required by ViaBill, instead, you’ll only have to cover the first installment at checkout.

The other three installments come later, and they’re interest-free as long as you pay them on time.

Everything can be done inside the ViaBill app that helps you register in only minutes so you can get going with your shopping. Another ViaBill advantage is purchase management, where you can get insights into your spending, your whole account, and even the way you use your credit cards.

With such help, you will be able to buy now, pay later, and never worry about overspending as ViaBill is there to help you and not get you into debt.

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11. Four

Four is another similar Klarna alternative that allows you to now buy a wide range of products and pay for them later.

With four installments split over six weeks, you can easily purchase higher-priced products without breaking the bank.

Remember that the Four shopping app requires you to pay the first installment right away, while the other three installments are bi-weekly. However, there is no interest rate on the purchase, and there are no fees unless you miss a payment date.

If you miss a payment date, you will get a $7 fee for every payment date you’ve missed.

Registration is very simple, and it won’t impact your credit score, yet checkout is super easy in stores that work with Four.

Four works well for stores in beauty, apparel, accessories, pets, and men’s and women’s products. The main difference is that Four doesn’t provide as many top brands as Klarna, but it provides a great range of stores, so you‘ll always be able to find the products you’re looking for.

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12. PayPal Credit

PayPal Credit was formerly known as the Bill Me Later service, where PayPal helps you out with a buy now and pay over time scheme, just like Klarna and other shopping apps.

The greatest advantage of this is that PayPal is the next most common payment getaway after credit cards, and yet their credit works in any store that accepts PayPal.

Another benefit of PayPal Credit is super long financing of up to six months on orders over $99+.

There is no interest rate at all for things to get even better, as long as you pay the whole amount by the end of the six months. If not, there will be interest on the remaining unpaid amount.

If you are already a PayPal user, you can apply for PayPal Credit and get a decision in seconds. If not, you’ll first have to create a PayPal account and connect your credit card/bank information.

With the ability to pay at over a million online stores, you won’t have to worry about security or protection since PayPal includes its standard purchase protection, fast checkout, and no annual fee besides the credit line.

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13. PerPay

PerPay is a similar shopping app to Klarna as it works in the same way, yet PerPay can help you build your credit score.

With PerPay, you can buy products now and pay later, and for every on-time payment, you can build a history that can help you increase your credit score. And since you won’t be taking out any loans, with PerPay, you can quickly boost your credit score while you shop, of course, if you make payments on time.

PerPay also supports some of the top brands and stores, so you will be able to take advantage of this shopping app without looking for another alternative that offers more stores.

One of the best things is that PerPay doesn’t require a credit check, yet you can set your installments to be on payday, so you make automatic small payments from your paycheck weekly, bi-weekly, or monthly.

The whole registration process takes only a minute, which is another convenient advantage.

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14. Bread

Bread, also known as BreadPayments, is a shopping app similar to Klarna. Its biggest difference and advantage is offering a much longer timeframe to pay off purchases.

With Bread, you can shop online and offline, and for every purchase, you can choose the best financing plan that works for you. In addition, Bread offers both installments with a 0% interest rate or SplitPay with rates.

The longer the time of repayment is, the bigger the interest cost will be, but the lower the monthly payment will be. Therefore, you can choose between a 12-month, 24-month, or even a 36-month repayment plan with Bread.

With straightforward pricing (that’s also transparent), easy application, and automatic payments, you won’t get into debt, and purchasing more expensive products will seem effortless, regardless of your financial situation.

Also, Bread doesn’t provide its own credit card, so everything happens on your current bank account/credit card. Bread acts as a middleman that helps you pay over time, easily and efficiently.

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15. Pay It Later

Pay It Later is a shopping app that works quickly by making instant decisions on the applications.

If you get approved, you can use Pay It Later to make purchases now and pay them off later in up to four installments with no interest on purchases you make. Installments are split over four weeks so that you will be paying them off weekly.

Therefore, Pay It Later might not be the ideal shopping app if you plan to make expensive purchases since installments might still be quite pricey.

Of course, you should pay the installments on time, and since there are no credit score check requirements or any connections with it, using Pay It Later won’t affect your credit score.

However, Pay It Later is also expanding to become a marketplace, so if you don’t see it as a payment option in your favorite online stores, you can check out some of the best stores featured at Pay It Later.

This shopping app covers categories from fashion and toys to home, office, decor, and others.


With so many apps like Klarna, it’s fairly easy to find a similar app that might fit your needs better.

The best app that is most like Klarna is Zip since it works almost exactly like Klarna, yet it provides lower late fees, can be used for in-store purchases, and it comes with a super-intuitive app that helps you keep track of your spending and finances.

However, each app offers different financing terms and can be used in different stores. That’s why it’s important to check out each of these apps before setting for one of them since one app might not fit everyone’s needs equally.

About Author

Scott L. Macarthur is a marketing consultant and an online author. He is mostly engaged in providing his expertise to startups and SMBs. He is also an author on TheNextWeb.