Looking for the best buy now pay later apps with no interest? BNPL services let you split purchases into smaller installments, often four payments over six weeks, without paying interest, as long as you pay on time. They’re popular for online shopping, travel, electronics, and even everyday essentials. Below are the top 10 no-interest BNPL apps that combine flexibility, wide merchant acceptance, and user-friendly features.
1. Affirm
Affirm is one of the most recognized names in the buy now, pay later space. While it does offer longer-term plans with interest, many partner merchants provide 0% APR promotional financing, making it a strong no-interest BNPL option. Affirm is transparent about payment schedules and shows you the total cost upfront, with no hidden fees. You can use it for travel, electronics, furniture, and more. The app is clean and easy to navigate, and approvals are quick. For shoppers who want flexibility beyond the typical “pay in 4” model, Affirm is a versatile choice.
2. Afterpay
Afterpay is a favorite for fashion and lifestyle shoppers. Its classic “Pay in 4” model splits your purchase into four equal, interest-free payments over six weeks. There’s no interest and no upfront fees. As long as you pay on time, you won’t pay extra. The app also includes a marketplace where you can browse participating retailers directly. Afterpay works both online and in-store through the app, and spending limits grow as you build a positive repayment history. It’s ideal for disciplined shoppers who want predictable, short-term installment plans.
3. Klarna
Klarna offers multiple payment options, including its popular Pay in 4 interest-free plan. With thousands of partner stores worldwide, Klarna is widely accepted in fashion, beauty, electronics, and travel. The app includes price tracking, exclusive deals, and a smooth checkout experience. While Klarna also offers longer financing plans that may charge interest, its short-term installment option remains interest-free if payments are made on time. Klarna’s sleek interface and shopping-focused features make it more than just a payment app; it’s a full shopping companion.
4. PayPal (Pay in 4)
PayPal’s “Pay in 4” feature allows eligible users to split purchases into four interest-free payments every two weeks. Since PayPal is already accepted by millions of merchants worldwide, this BNPL option is extremely convenient. There are no interest charges or setup fees for Pay in 4. Everything is managed directly inside the PayPal app, making it easy to track due dates and payments. If you already use PayPal regularly, enabling Pay in 4 is seamless and requires no new account setup.
5. Zip
Zip (formerly Quadpay in the U.S.) offers an interest-free Pay in 4 option that splits your purchase into four installments over six weeks. While Zip may charge small service fees depending on your plan, its core short-term installment option is interest-free. The app can generate a virtual card for use almost anywhere Visa is accepted, expanding its flexibility beyond specific partner merchants. Zip also offers budgeting tools and spending insights. It’s a solid pick for shoppers who want wide acceptance and predictable short-term payments.
6. Sezzle
Sezzle focuses on financial empowerment while offering interest-free installment plans. Its standard model splits purchases into four payments over six weeks with no interest. Sezzle stands out for features like payment rescheduling and optional credit-building programs. It partners with many online retailers, especially in fashion, wellness, and specialty goods. As long as payments are made on time, there are no added interest charges. For shoppers who want flexibility and a chance to strengthen their credit profile, Sezzle is worth considering.
7. Splitit
Splitit takes a different approach to buy now, pay later. Instead of issuing new credit, it uses your existing credit card to split payments into interest-free installments. There’s no separate loan and no credit check in many cases. Because it leverages your available credit line, you won’t pay interest from Splitit itself, though your credit card terms still apply. It’s commonly used for higher-ticket purchases like travel and luxury goods. If you prefer using your existing card while spreading payments out, Splitit offers a simple solution.
8. Perpay
Perpay is a unique no-interest BNPL app that connects payments directly to your paycheck. Instead of charging interest, Perpay deducts small amounts from your paycheck over time. The platform includes a marketplace where users can shop for electronics, home goods, and more. There’s no interest, and payments are structured to align with your pay schedule. It can also help users build credit through responsible repayment. For shoppers who prefer automatic payroll deductions, Perpay offers a convenient alternative.
9. Four
Four is a fast-growing buy now, pay later app offering simple interest-free installment plans. Its Pay in 4 structure spreads payments across six weeks with no interest or hidden costs. The approval process is quick, and the app integrates with many online retailers. Four focuses on transparency and simplicity, making it easy to understand exactly what you owe and when. If you’re looking for a straightforward, no-frills BNPL solution without complicated financing tiers, Four is a practical option.
10. Apple (Apple Pay Later)
Apple Pay Later allows eligible users to split purchases into four interest-free payments over six weeks directly inside the Wallet app. There are no interest charges and no fees when payments are made on time. Since it’s integrated into Apple Pay, it works smoothly across participating merchants that accept Apple Pay. Approval decisions happen quickly, and payments are easy to track within the Wallet interface. For iPhone users who want a seamless, built-in BNPL experience, Apple Pay Later delivers simplicity and convenience.
Conclusion
The best buy now pay later apps with no interest make it easy to manage short-term expenses without paying extra if you stay on schedule. Most follow a “Pay in 4” model and charge no interest, but late fees may apply. Always review terms before committing. Used responsibly, BNPL apps can be a smart budgeting tool. Used carelessly, they can lead to overspending. Choose the app that fits your shopping habits, repayment style, and preferred merchants.