Klarna offers buy now pay later, installment plans, and shopping tools at thousands of retailers. These alternatives provide similar flexible payment and BNPL services.
Each app below addresses a specific gap in Klarna's offering. We picked them based on real user review patterns and feature differentiation.
Afterpay splits purchases into 4 equal interest-free payments paid every two weeks. It is popular in the US, UK, and Australia with a large retail partner network and no interest charges.
Explore Afterpay data →Affirm offers flexible installment plans from 3 to 36 months, suitable for larger purchases. It shows the total interest upfront with no hidden fees and is integrated with major US retailers.
Explore Affirm data →Zip allows users to split purchases into 4 payments at virtually any retailer, even those not officially partnered, by generating a virtual card. This makes it more flexible than Klarna.
Explore Zip (formerly Quadpay) data →PayPal Pay Later includes Pay in 4 and Pay Monthly options integrated directly into PayPal checkout. It is available wherever PayPal is accepted, making it broadly usable globally.
Explore PayPal Pay Later data →Sezzle offers 4 interest-free installment payments with a focus on ethical lending. It includes a rescheduling option and Sezzle Up credit-building feature for qualifying users.
Explore Sezzle data →Laybuy spreads purchases over 6 weekly payments with no interest. It is popular in the UK, New Zealand, and Australia with a growing retail network in these markets.
Explore Laybuy data →Klarna has over 150 million global users and partners with more than 500,000 merchants across 45 countries.
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