If you’re searching for the best apps like Klarna, you’re far from alone. With the Buy Now Pay Later (BNPL) industry booming in 2026, more people are looking for payment apps like Klarna that offer flexible installment plans, better approval rates, and lower fees. Whether you’re shopping online or in-store, dozens of sites like Klarna give you similar or even better features.
In this guide, you’ll discover the 11 best Klarna alternatives, each offering distinct features, pros, cons, and pricing structures. If you need other apps like Klarna for different budgets or spending habits, this list will help you find the perfect match.
11 Best Klarna Alternatives in 2026
1. Afterpay — The Most Beginner-Friendly Klarna Alternative
Afterpay is one of the most widely used BNPL apps globally and one of the strongest competitors to Klarna. What sets it apart is its extremely user-friendly approach and fast approvals.
More Detailed Overview
Afterpay splits your purchase into four equal interest-free payments due every two weeks. The platform targets everyday shoppers who prefer simple, predictable payments without involving long-term financing.
More Features
- Automatic payments with linked debit/credit cards
- Spending limit increases based on repayment history
- In-app shopping directory with thousands of retail partners
- Budgeting tools to track your spending
- In-store payment support through the Afterpay card
Best For
Shoppers who want a simple, zero-interest 4-payment plan with quick approval.
Pricing
- 0% interest
- Late fees apply (varies by region)
2. Affirm — Best for Large Purchases
Affirm is one of the strongest apps like Klarna for large-ticket spending. It offers flexible monthly payment options for items like furniture, electronics, and travel.
More Detailed Overview
Unlike most BNPL services that use only 4 installments, Affirm gives users long-term financing ranging from 3 to 36 months. Some merchants also offer 0% APR promotions.
More Features
- No late fees ever
- Flexible payment terms (short-term or long-term)
- Transparent cost breakdown before checkout
- Integrations with stores like Amazon, Walmart, Peloton, and Best Buy
- Credit check is soft, so it doesn’t hurt your score
Best For
Expensive purchases where you need more time to pay.
Pricing
- APR can range from 0–36%
- No hidden fees
3. Zip (Quadpay) — The Most Flexible Klarna Alternative
Zip is highly flexible because it works virtually anywhere, even if the retailer doesn’t officially support BNPL.
More Detailed Overview
Zip gives you a virtual card. You can use this card to pay on any website, similar to a standard debit or credit card. Payments split into 4 interest-free installments.
More Features
- In-store payments via NFC tap
- Pay Anywhere technology
- Shop directory with hundreds of brands
- Advanced budgeting controls
Best For
People who want a Klarna-like BNPL app that works on almost any store.
Pricing
- Small installment fee (depends on location)
- Late fees charged for missed payments
4. Sezzle — Best for Credit Building
Sezzle stands out for its credit-building program, which is rare among BNPL apps.
More Detailed Overview
Sezzle’s installment plan splits payments into four interest-free installments, similar to Klarna. Their unique offering is Sezzle Up, which reports payments to credit bureaus.
More Features
- Payment reschedules (first one free)
- Option to boost your credit score
- Large retailer network in the US and Canada
- Instant approval decisions
Best For
Shoppers with limited or no credit who want to build their score.
Pricing
- Free for basic use
- Rescheduling fees apply
- Sezzle Up may include paid features
5. PayPal Pay in 4 — Best for Global Users
PayPal’s Pay in 4 feature is available in many countries, making it a solid Klarna alternative for international shoppers.
More Detailed Overview
If a seller accepts PayPal, Pay in 4 becomes available at checkout. It splits purchases into four biweekly payments.
More Features
- Purchase protection included
- Instant approvals
- Encrypted payment security
- Works at millions of merchants
Best For
Users who already trust PayPal and want a BNPL solution with global compatibility.
Pricing
- 0% interest
- No service fees
6. Splitit — Best for Using Available Credit Card Limit
Splitit offers a unique BNPL approach: Instead of giving you new credit, it uses your existing credit card limit.
More Detailed Overview
Splitit doesn’t check your credit score. Instead, it places a hold on your card (similar to a hotel deposit) and reduces that hold as you make payments.
More Features
- Zero interest
- No fees for shoppers
- Works with Visa and Mastercard
- No late payment charges
Best For
People with credit cards who dislike credit checks or extra fees.
Pricing
- Completely free for users (merchant pays the fees)
7. Perpay — Best for Low-Credit Shoppers
Perpay is unique because your payments are deducted directly from your paycheck.
More Detailed Overview
Perpay is designed for people with lower credit scores. Instead of traditional credit checks, it verifies your employment and income. Purchases are made inside Perpay’s marketplace.
More Features
- Payroll-linked payments
- Credit-building tool
- Curated marketplace with electronics, fashion, appliances, etc.
- No interest
Best For
People with poor or no credit needing guaranteed approval.
Pricing
- No upfront fees
- Product prices in the marketplace may be higher than retail
8. Sunbit — Best for Medical & Auto Expenses
Sunbit isn’t for general shopping—it’s focused on necessity-based services, especially healthcare.
More Detailed Overview
Used by thousands of dentists, optometrists, auto repair shops, and veterinarians, Sunbit offers installment plans with a very high approval rate.
More Features
- 90%+ approval rate
- Fast application process
- Flexible financing (3–12 months)
- Ideal for emergencies
Best For
Essential expenses you can’t delay, like car repairs or dental work.
Pricing
- Interest rates vary (some merchants offer 0%)
9. ViaBill — Best for Simplicity
ViaBill is an easy-to-use Klarna alternative that offers pay-in-4 with minimal requirements.
More Detailed Overview
Shoppers can pay in four monthly installments with no credit check on the basic plan. Approval is instant for most people.
More Features
- Simple setup
- Large retailer network
- Option to upgrade for higher spending limits
Best For
Shoppers wanting a fast, straightforward BNPL solution.
Pricing
- Basic: Free
- Premium: $4.99/month (higher spending limit)
10. Tabby — The Best Reward-Based BNPL App
Tabby is especially popular in the Middle East thanks to its cashback program.
More Detailed Overview
Tabby lets you pay in four interest-free installments and also gives rewards for shopping through its app.
More Features
- Cashback rewards
- Big store partnerships (H&M, Adidas, IKEA, etc.)
- Interest-free for all purchases
- No hidden fees
Best For
Shoppers in the Middle East who want rewards + BNPL.
Pricing
- Free for users
- Fees only apply to late payments
11. Laybuy — Best for Weekly Budgeting
Laybuy uses a weekly payment schedule instead of biweekly or monthly plans, making it perfect for salary-based budgeting.
More Detailed Overview
The cost is split into six weekly payments with zero interest. You can also choose your payment day to match your payday.
More Features
- Pay in 6 weekly installments
- Instant approval decisions
- In-store and online support
- Credit limit increases with good behavior
Best For
People paid weekly or biweekly who prefer smaller payments.
Pricing
- Free to use
- Late fees apply
How to Choose the Best Klarna Alternative
Hidden Fees
Always check installment fees, late fees, and potential account costs.
Approval Requirements
Some apps require a soft or hard credit check, while others do not.
Merchant Availability
Make sure your favorite stores support the service.
Payment Flexibility
Choose between weekly, biweekly, or monthly payments.
Conclusion
Finding the best apps like Klarna in 2026 is easier than ever. Whether you want apps like Afterpay, payment apps like Klarna, or flexible sites like Klarna, each option on this list brings unique benefits. From interest-free payments to large-purchase financing, these Klarna alternatives cover every type of shopper. Choose the one that fits your budget, spending habits, and shopping style.
FAQs
1. What is the best alternative to Klarna in 2026?
Afterpay and Affirm are the top choices depending on whether you want interest-free or long-term installments.
2. Are these BNPL apps safe to use?
Yes, all listed apps are reputable and widely used globally.
3. Do Klarna alternatives charge interest?
Some apps, like Affirm and Sunbit, may charge interest depending on the plan.
4. Which BNPL app is easiest to get approved for?
Perpay, Splitit, and ViaBill have high approval rates.
5. What is the cheapest app like Klarna?
PayPal Pay in 4, Afterpay, and Laybuy are typically free with no interest.
See Also: Can I Use Apple Pay At Safeway? Yes! The Ultimate Checkout Guide
