7+ BEST Klarna Alternatives for 2022 [Apps Like Klarna, Affirm, Afterpay]

Klarna is one of the most popular payment apps out there, but it’s not the only one. If you’re looking for alternatives to Klarna, we’ve got you covered.

In this article, we’ll introduce you to some of the best apps like Klarna.

We’ll also give you a brief overview of each app so you can decide which one is right for you.

Let’s dive right in.

Best Apps Like Klarna

#1 Affirm

Affirm is a popular alternative to Klarna. It offers instant financing for online purchases. You can choose to pay off your purchase over 3, 6, or 12 months.

Affirm is available at a wide range of online retailers, including major brands like Adidas, ASOS, and Forever 21.

#2 Afterpay

Afterpay is another popular payment app. It allows you to spread the cost of your purchase over 4 equal installments. There are no interest or late fees with Afterpay.

Afterpay is available at a wide range of online retailers, including major brands like Anthropologie, Nike, and Urban Outfitters.

#3 Sezzle

Sezzle is a financial technology company that offers a payment platform for online shoppers. Sezzle’s platform enables shoppers to pay for their purchases over time, with interest-free financing.

Sezzle is headquartered in Minneapolis, Minnesota and was founded in 2016. The company has raised over $70 million in funding from investors including Goldman Sachs, Accel, and Macquarie Group.

Sezzle is available as a payment option at over 3,500 online stores in the United States and Australia.

#4 Zip (formerly known as Quadpay)

Zip is a buy now, pay later service that is interest-free and available to shoppers in the US, UK, and Australia. Zip works with over 3,500 retailers and brands, including ASOS, Nike, and Sephora.

To use Zip, shoppers simply need to create an account and link their credit or debit card. They can then shop as usual and choose to pay for their purchase over four instalments. There are no hidden fees or interest charges – shoppers just need to make sure they pay on time to avoid any late payment fees.

Zip also offers a virtual card that can be used for online shopping anywhere that accepts Visa. The virtual card comes with a unique number, expiry date, and CVV code, and can be linked to shoppers’ Zip account so they can easily track their spending.

#5 Splitit

Splitit is a great Klarna alternative that allows you to split the cost of your purchase into interest-free installments. With Splitit, you can shop at any of their partner stores and pay for your purchase over time. There are no hidden fees or interest charges, so you can be sure that you’re only paying for what you bought.

Splitit is available in over 20 countries and works with over 250,000 merchants, so it’s likely that you’ll be able to find a store that accepts Splitit near you. If you’re looking for an easy way to finance your next big purchase, Splitit is definitely worth checking out.

#6 PayPal Credit

PayPal Credit is one of the most popular financing options for online shoppers. It’s a line of credit that you can use when shopping online or in-store at over 200 retailers that accept PayPal.

There are no interest or late fees with PayPal Credit, but there is a $20 annual fee. You can use PayPal Credit at retailers such as eBay, Amazon, and Best Buy.

If you’re looking for an alternative to Klarna, PayPal Credit is a great option.

#7 Laybuy

Laybuy is a similar app to Klarna in that it offers customers the ability to shop now and pay later. However, with Laybuy, you have the option to make interest-free payments over 6 weeks.

You can use Laybuy at over 2,500 retailers in the US, including ASOS, Forever 21, Nike, and Sephora.

If you miss a payment, Laybuy will charge a $10 late fee. However, if you make all 6 payments on time, you will not be charged any interest.

Laybuy is available for iOS and Android devices.

Klarna Overview

klarna

Klarna is a payment app that allows you to shop now and pay later. Klarna is available at over 200,000 retailers worldwide, including major brands like ASOS, Nike, and Sephora.

With Klarna, you can choose to pay for your purchase in 4 interest-free installments over 6 weeks. If you miss a payment, Klarna will charge a $10 late fee. However, if you make all 4 payments on time, you will not be charged any interest.

Klarna is available for iOS and Android devices.

Buy Now Pay Later

Klarna and alternative apps deal with buy now pay later (BNPL), which is a type of payment plan that allows you to finance your purchase over time.

With buy now pay later plans, you can shop now and pay for your purchase over time. These payment plans are interest-free, so you will only be responsible for paying the cost of the item plus any applicable fees.

If you’re looking to finance a large purchase, buy now pay later apps like Klarna can be a great option. However, it’s important to remember that these payment plans come with some risks. If you miss a payment, you may be charged a late fee.

Additionally, if you don’t make all of your payments on time, you may be required to pay interest on the outstanding balance.

Because of these risks, it’s important to make sure that you understand the terms and conditions of your buy now pay later plan before you agree to it.

If you’re looking for an alternative to Klarna, there are a few great options available. Afterpay, Sezzle, Zip (formerly Quadpay), Splitit, PayPal Credit, and Laybuy are all great options that offer similar features to Klarna.

Before you decide on a buy now pay later plan, be sure to do your research and compare the different options available. Each app has its own unique features and benefits, so be sure to choose the one that best suits your needs.

FAQs – Apps Like Klarna

What is Klarna?

Klarna is a payment app that allows you to shop now and pay later. Klarna is available at over 200,000 retailers worldwide, including major brands like ASOS, Nike, and Sephora.

With Klarna, you can choose to pay for your purchase in 4 interest-free installments over 6 weeks. If you miss a payment, Klarna will charge a $10 late fee. However, if you make all 4 payments on time, you will not be charged any interest.

Klarna is available for iOS and Android devices.

What are the best alternatives to Klarna?

The best alternatives to Klarna are Afterpay, Sezzle, Zip (formerly Quadpay), Splitit, PayPal Credit, and Laybuy.

What is buy now pay later?

Buy now pay later is a type of payment plan that allows you to finance your purchase over time. With buy now pay later plans, you can shop now and pay for your purchase over time.

These payment plans are interest-free, so you will only be responsible for paying the cost of the item plus any applicable fees.

What are the risks of buy now pay later plans?

If you miss a payment, you may be charged a late fee. Additionally, if you don’t make all of your payments on time, you may be required to pay interest on the outstanding balance.

Because of these risks, it’s important to make sure that you understand the terms and conditions of your buy now pay later plan before you agree to it.

Conclusion – Apps Like Klarna

If you’re looking for a buy now pay later app like Klarna, there are plenty of great options to choose from.

All of the apps on this list have their own unique features and benefits, so be sure to choose the one that best suits your needs.

In general, buy now pay later apps are a great way to manage your finances and make purchases without having to worry about interest or fees.

Be sure to read the terms and conditions carefully before signing up for any service, and always make payments on time to avoid any penalties.

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