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Many retailers have partnered with buy now, pay later (BNPL) apps to make it easier for people to make purchases on their websites. These BNPL apps are similar to credit cards because they allow you to buy something today, then pay for it over time. One of the biggest differences, though, is that many do not charge any interest as long as you make the scheduled payments.

The BNPL apps are easy to use, have low fees and interest rates, and credit limits that allow for common purchases. To help readers find the best BNPL apps, we researched and reviewed top buy now, pay later services to find out which ones work best for a variety of consumers.

Best Buy Now, Pay Later Apps of 2022

• Best Overall:
  Affirm
  
• Best for Flexible Payment Plans:
  Sezzle
  
• Best for Students:
  Afterpay
  
• Best for No Credit Check:
  Splitit
  
• Best for Bad Credit:
  Perpay
  
• Best for Small Purchases:
  PayPal Pay in 4
  
• Best for Large Purchases:
  Klarna