1. Afterpay
It has a broad user base in the US and has partnered with over 80,000 retailers. The platform is a distributor for these retailers, so you get a wide range of products, and the platform doesn’t charge any interest.
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2. Affirm
You can choose the Affirm Pay in 4 option to repay in four interest-free installments every two weeks. Or you can choose Monthly Payments to repay with no hidden or late payment fees.
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3. Perpay
You can easily buy that expensive thing you always wanted, and it won’t be a heavy mass on your paycheck. They do not run any hard credit checks on you and don’t even report to Experian and Equifax credit bureaus. Overall, it is a pretty good service, and you can use it.
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4. Klarna
Klarna is one of the fancy ones on the list. This Swedish bank mainly serves international customers and merchants. The platform is active in over 18 countries and has thousands of active users. It works with popular sellers like ASOS, Nike , H&M, and Sephora.
The platform offers you a wide range of payment options, which is why many people prefer to use it. It also does not run any hard credit checks when you select the “Pay in 4” option. Also, this option has no interest, so you can use it extensively.
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6. American Express
American Express is one of the biggest names in credit card issuers. It has been serving people since 1850, and its cards are universally accepted(in around 130 countries).
This is an excellent option for people who travel frequently. These cards offer lucrative cashback, rewards, and excellent customer service.
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7. Best Buy
If you buy electronics regularly, then you must know about Best Buy. It is one of the biggest consumer electronics retailers in the world.
It is best if you wish to buy consumer electronics. The loan amount under Best Buy BNPL starts from 149 USD and goes up to 4,000 USD. It gives you the option to make payments in 3-12 months. That, too, with a 0% interest rate for repayments within the first 90 days.
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8. Sezzle
You can get credit, which you have to repay in four installments with 0% interest. The time limit is six weeks. The service provides you access to over 47,000 stores.
It links to your debit or credit card for ease of payment. They run a soft credit check; however, it doesn’t impact your credit score.
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