Apps Buy Now, Pay Later: Check out the Top Tips

In today’s dynamic world, the search for convenience and flexibility in shopping has become essential. 

It is in this scenario that “buy now, pay later” (BNPL) apps emerge as an innovative alternative, gaining more and more followers. 

In this article, we will present the main buy now, pay later apps and their functionalities. Follow along and check it out.

Affirm

• Available for: Android, iOS
• Price: Free

Affirm offers the convenience of splitting your purchases into 3, 6, or 12 interest-free installments at thousands of stores, both online and offline. 

With flexible payment options, you can choose between weekly or bi-weekly payments. 

Additionally, we conduct a soft credit check, without affecting your score. You will also have access to free credit reports from TransUnion. 

For instant purchases, we offer the option of an Affirm credit card with an APR starting at 0%. And it doesn’t stop there! By using our services, you qualify for the “Affirm Rewards” rewards program, earning cashback on your purchases. 

Furthermore, we offer protection against damage, theft, and loss for your purchases.

Klarna

• Available for: Android, iOS
• Price: Free

With Klarna, users have the freedom to split their purchases into 3, 6, 12, or 24 interest-free installments, provided the amount is over R$ 80, at a wide variety of stores, both online and offline. 

Klarna offers flexible payment options, including the convenience of monthly payments. 

Additionally, it conducts a soft credit check, without harming users’ credit scores, and provides access to free credit reports from Experian. 

For instant purchases, it offers the option of a Klarna credit card with an APR starting at 0%. 

Additionally, Klarna provides benefits such as the possibility of late payments without fines, applying only interest charges. 

It also offers protection against damage, theft, and loss for purchases. Furthermore, for certain products, it offers the “Try before you buy” option.

Afterpay

• Available for: Android, iOS
• Price: Free

With Afterpay, you have the convenience of splitting your purchases into 4 equal interest-free installments, provided the amount is above R$ 30, at a wide variety of online and offline stores. 

Payments are automatically deducted every two weeks, making it even easier to manage your expenses. 

Additionally, we conduct a soft credit check, ensuring that there is no impact on your credit score. 

Enjoy exclusive benefits such as no late or cancellation fees, and purchase protection against fraud and damage. As an Afterpay user, you also have access to exclusive offers and promotions.

Apple Pay Later

• Available for: iOS (integrated into the system)
• Price: Free

With Apple Pay Later, you can split your purchases made with Apple Pay into 6 equal interest-free installments, for purchases above a certain value that may vary. 

Payments are automatically deducted every two weeks, offering convenience and practicality. Integrated into the iPhone’s Wallet app, Apple Pay Later makes it easy to manage your payments, all in one place. 

Additionally, we conduct a soft credit check, with no impact on the score for most users. 

To enjoy this service, you need to have compatible Apple devices and have a debit or credit card linked to Apple Pay.

Zip

• Available for: Android, iOS
• Price: Free

With Zip, you have the convenience of splitting your purchases into 4 equal interest-free installments, provided the amount is above R$ 35, at various online and offline stores. 

It offers flexible payment options in some cases, including extended installment payments with interest to meet your financial needs. 

It also conducts a soft credit check, ensuring that there is no impact on your score. You also have the option to link the Zip card to Google Pay or Apple Pay for easy and quick payments. 

Additionally, by using the services, you qualify for the “Zip Pay” rewards program, accumulating points on your purchases. 

And for your peace of mind, it offers purchase protection against damage and theft at partner stores.

PayPal

• Available for: Android, iOS
• Price: Free

With PayPal, the “Pay Later” option offers the convenience of splitting your purchases into 4 equal interest-free installments, for purchases above R$ 99, at selected online stores that accept PayPal. 

Payments are automatically deducted every two weeks, ensuring convenience and practicality. 

Widely recognized as a reliable online payment method, PayPal is accepted at various establishments.

For purchases above a certain value, we conduct a soft credit check, which may impact your score. To use this service, you need to have a PayPal account linked to a credit or debit card.

Sezzle

• Available for: Android, iOS
• Price: Free

With Sezzle, you can split your purchases into 4 equal interest-free installments, as long as the amount is above R$ 40, at a variety of online and offline stores. 

Payments are automatically deducted every two weeks, making the process simple and convenient. 

Additionally, it offers the option to build a positive credit history through Sezzle Up, an installment program with interest for larger purchases. 

It conducts a soft credit check, ensuring that there is no impact on your score. As an additional benefit, participating in the “Sezzle Spend” rewards program allows you to earn cashback on your purchases at partner stores.

Is it worth using buy now, pay later apps?

Using “buy now, pay later” (BNPL) apps depends on various factors, such as your purchasing habits, financial situation, and goals. 

Buy now, pay later apps can be a useful tool for managing your finances and making purchases with more flexibility. 

However, it is crucial to use them responsibly to avoid financial problems. Remember: buy now, pay later apps are not a substitute for financial planning. 

It is important to have a budget and control your spending, regardless of the payment method you use. 

Did you like learning about these apps? Choose the one that suits you best to use. And see more tips on our website. Read about the Credit Report.