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Klarna alternatives: 7 apps ranked by verified data

Facts checked Nov 8, 2026AppBreakup editorialHow we rankAll buy now, pay later apps

Top picks

Common reasons people leave Klarna: late fees apply if a payment can't be collected, and monthly financing can carry APRs of up to about 36% in the US. We ranked 7 alternatives by how directly each one replaces Klarna, then by reviews, real visits and how recently each app's facts were checked against its own website. Afterpay currently ranks first.

Quick comparison

#AppPricingVerified priceOpen sourcePlatformsVerified factsScore
1Afterpay logoAfterpayFree—NoWeb, iOS, Android5 of 568.8
2Affirm logoAffirmFree—NoWeb, iOS, Android +15 of 561.8
3PayPal logoPayPalFree plan + paid—NoWeb, iOS, Android8 of 854.4
4Zilch logoZilchFree plan + paid£2.99/month (Extra)NoiOS, Android5 of 542.3
5Scalapay logoScalapayFree—NoWeb, iOS, Android4 of 442.3
6Tabby logoTabbyFree—NoWeb, iOS, Android5 of 542.3
7Atome logoAtomeFree plan + paid—NoiOS, Android5 of 542.3
  1. Afterpay logo

    1. AfterpayTop pick

    Best for: Shoppers who want to split smaller purchases into four interest-free payments at popular retailers

    FreeWeb, iOS, Android

    68.8

    score / 100

    Why switch from Klarna

    Very similar pay-in-4 model with capped late fees and a strong US and Australian merchant base.

    Pros

    • Pay in 4 has no interest at partner brands
    • Late fees are capped rather than open-ended
    • Digital card works in stores through Apple Wallet and Google Wallet
    • Payment dates can be rescheduled in the app

    Cons

    • Only works at participating retailers or through the in-app card
    • Missed payments bring late fees and can pause your account
    • Longer monthly plans carry a finance fee and are not available to everyone
    Visit Afterpay Details and reviews
    How this score is calculated
    Editorial fit ×0.3100
    Reviews ×0.363
    Clicks (90 days) ×0.150
    Freshness ×0.15100
    Votes ×0.150

    0 counted reviews, 0 up and 0 down votes. Full formula

    Is Afterpay a good Klarna alternative?

    Verified facts

    5 of 5 verified
    Instalments
    4 interest-free payments
    Checked Nov 8, 2026afterpay.com(opens source in a new tab)
    Repayment period
    About six weeks
    Checked Nov 8, 2026afterpay.com(opens source in a new tab)
    In-store payments
    Afterpay Card in Apple Wallet or Google Wallet
    Checked Nov 8, 2026afterpay.com(opens source in a new tab)
    US eligibility
    18+ and US resident
    Checked Nov 8, 2026afterpay.com(opens source in a new tab)
    Rewards
    Pulse Rewards, free to join
    Checked Nov 8, 2026afterpay.com(opens source in a new tab)
  2. Affirm logo

    2. Affirm

    Best for: US shoppers financing larger purchases who want fixed monthly payments and no late fees

    FreeWeb, iOS, Android, Browser extension

    61.8

    score / 100

    Why switch from Klarna

    US pay-over-time loans with simple interest shown up front and no late fees, for bigger purchases than pay-in-4.

    Pros

    • No late fees or hidden fees from Affirm
    • Monthly plans for big purchases, not just pay in 4
    • Total interest is shown before you accept a plan
    • Works through Apple Pay, Google Pay and its own debit card

    Cons

    • Monthly plans can carry APRs up to 36% depending on credit
    • Plan options vary by merchant and purchase size
    • A down payment may be required on some purchases
    Visit Affirm Details and reviews
    How this score is calculated
    Editorial fit ×0.377
    Reviews ×0.363
    Clicks (90 days) ×0.150
    Freshness ×0.15100
    Votes ×0.150

    0 counted reviews, 0 up and 0 down votes. Full formula

    Is Affirm a good Klarna alternative?

    Verified facts

    5 of 5 verified
    Pay in 4
    0% APR
    Checked Nov 8, 2026affirm.com(opens source in a new tab)
    APR range
    0–36%
    Checked Nov 8, 2026affirm.com(opens source in a new tab)
    Monthly plans
    3, 6, 12 months and longer
    Checked Nov 8, 2026affirm.com(opens source in a new tab)
    Fees
    No fees from Affirm
    Checked Nov 8, 2026affirm.com(opens source in a new tab)
    Browser extension
    Google Chrome
    Checked Nov 8, 2026affirm.com(opens source in a new tab)
  3. PayPal logo

    3. PayPal

    Best for: People who pay online often or send money to friends across iPhone and Android

    Free plan + paidWeb, iOS, Android

    54.4

    score / 100

    Why switch from Klarna

    Pay in 4 and Pay Monthly are built into the PayPal checkout many shops already offer, with no separate app needed.

    Pros

    • Accepted at a very large number of online stores
    • Works on any phone and in the browser
    • Purchase Protection on eligible purchases

    Cons

    • Fees on some transfers, currency conversion and receiving payments
    • Not a full tap-to-pay phone wallet in most countries
    • Features like Pay Later and crypto vary by country
    Visit PayPal Details and reviews
    How this score is calculated
    Editorial fit ×0.352
    Reviews ×0.363
    Clicks (90 days) ×0.150
    Freshness ×0.15100
    Votes ×0.150

    0 counted reviews, 0 up and 0 down votes. Full formula

    Is PayPal a good Klarna alternative?

    Verified facts

    8 of 8 verified
    Account cost
    Free to open
    Checked Nov 8, 2026paypal.com(opens source in a new tab)
    Platforms
    iOS, Android
    Checked Nov 8, 2026paypal.com(opens source in a new tab)
    Buy now, pay later
    Pay in 4, Pay Monthly (US)
    Checked Nov 8, 2026paypal.com(opens source in a new tab)
    Buyer protection
    Purchase Protection
    Checked Nov 8, 2026paypal.com(opens source in a new tab)
    PayPal Checkout fee
    3.49% + fixed fee (US)
    Checked Nov 8, 2026paypal.com(opens source in a new tab)
    Card payments fee
    2.99% + fixed fee (US)
    Checked Nov 8, 2026paypal.com(opens source in a new tab)
    Fixed fee
    $0.49 per US dollar transaction
    Checked Nov 8, 2026paypal.com(opens source in a new tab)
    International fee
    Extra 1.50% on international commercial payments
    Checked Nov 8, 2026paypal.com(opens source in a new tab)
  4. Zilch logo

    4. Zilch

    Best for: UK shoppers who want pay-later options and cashback at any store that takes Mastercard

    Free plan + paidiOS, Android

    42.3

    score / 100

    Why switch from Klarna

    A UK pay-later card that works wherever Mastercard is accepted and pays cashback.

    Pros

    • Works wherever Mastercard is accepted, not just at partner retailers
    • Cashback rewards when paying in full
    • Choice of six-week or three-month repayment per purchase
    • Free Standard plan

    Cons

    • Fees may apply outside partner stores
    • Better rewards sit behind paid monthly plans
    • UK only
    • Easy access to credit at any shop can encourage overspending
    Visit Zilch Details and reviews
    How this score is calculated
    Editorial fit ×0.312
    Reviews ×0.363
    Clicks (90 days) ×0.150
    Freshness ×0.15100
    Votes ×0.150

    0 counted reviews, 0 up and 0 down votes. Full formula

    Is Zilch a good Klarna alternative?

    Verified facts

    5 of 5 verified
    Founded
    2018
    Checked Nov 8, 2026zilch.com(opens source in a new tab)
    Customers
    Nearly 6 million
    Checked Nov 8, 2026zilch.com(opens source in a new tab)
    Free plan
    Standard
    Checked Nov 8, 2026zilch.com(opens source in a new tab)
    Paid plans from
    £2.99/month (Extra)
    Checked Nov 8, 2026zilch.com(opens source in a new tab)
    Credit limit
    £50 to £4,500
    Checked Nov 8, 2026zilch.com(opens source in a new tab)
  5. Scalapay logo

    5. Scalapay

    Best for: Shoppers in Italy and nearby European countries who want to split purchases into three payments

    FreeWeb, iOS, Android

    42.3

    score / 100

    Why switch from Klarna

    Italian BNPL service with three interest-free payments and a strong network of Italian retailers.

    Pros

    • Three interest-free monthly instalments on eligible purchases
    • Works online and in physical shops through the app
    • Strong network of Italian fashion and beauty retailers

    Cons

    • Only usable at partner merchants, mostly in Europe
    • Missed payments can bring late fees
    • Fewer partner stores than Klarna outside Italy
    Visit Scalapay Details and reviews
    How this score is calculated
    Editorial fit ×0.312
    Reviews ×0.363
    Clicks (90 days) ×0.150
    Freshness ×0.15100
    Votes ×0.150

    0 counted reviews, 0 up and 0 down votes. Full formula

    Is Scalapay a good Klarna alternative?

    Verified facts

    4 of 4 verified
    Instalments
    3 interest-free payments
    Checked Nov 8, 2026scalapay.com(opens source in a new tab)
    In-store payments
    Yes, via iOS and Android app
    Checked Nov 8, 2026scalapay.com(opens source in a new tab)
    Partner merchants
    1,500+
    Checked Nov 8, 2026scalapay.com(opens source in a new tab)
    Headquarters
    Milan, Italy
    Checked Nov 8, 2026scalapay.com(opens source in a new tab)
  6. Tabby logo

    6. Tabby

    Best for: Shoppers in the UAE and Saudi Arabia who want to split online or in-store purchases without interest

    FreeWeb, iOS, Android

    42.3

    score / 100

    Why switch from Klarna

    The main pay-later option in the UAE and Saudi Arabia, where Klarna isn't offered.

    Pros

    • Pay in 4 has no interest or fees
    • Accepted at tens of thousands of stores online and in person
    • Tabby Card extends pay-later to any shop that takes Visa
    • Regulated by the UAE Central Bank

    Cons

    • Only available to residents of a few Gulf countries
    • Plans longer than four payments can carry a service fee
    • Spending limits are set automatically and support can't override a decline
    Visit Tabby Details and reviews
    How this score is calculated
    Editorial fit ×0.312
    Reviews ×0.363
    Clicks (90 days) ×0.150
    Freshness ×0.15100
    Votes ×0.150

    0 counted reviews, 0 up and 0 down votes. Full formula

    Is Tabby a good Klarna alternative?

    Verified facts

    5 of 5 verified
    Instalments
    4 interest-free payments or up to 12 monthly
    Checked Nov 8, 2026tabby.ai(opens source in a new tab)
    Fees on longer plans
    Service fee may apply above 4 payments
    Checked Nov 8, 2026tabby.ai(opens source in a new tab)
    Eligibility
    18 or older
    Checked Nov 8, 2026tabby.ai(opens source in a new tab)
    Merchants
    70,000+ businesses
    Checked Nov 8, 2026tabby.ai(opens source in a new tab)
    Regulation
    Licensed by the Central Bank of the UAE
    Checked Nov 8, 2026tabby.ai(opens source in a new tab)
  7. Atome logo

    7. Atome

    Best for: Shoppers in Singapore and nearby markets who want to split purchases at partner brands without interest

    Free plan + paidiOS, Android

    42.3

    score / 100

    Why switch from Klarna

    Interest-free three-way split for shoppers in Singapore and Southeast Asia, where Klarna isn't offered.

    Pros

    • Three-way split carries no interest when paid on time
    • Works online and in physical shops at partner retailers
    • App shows every upcoming payment in one place
    • Atome+ points and cashback on purchases

    Cons

    • Only usable at participating merchants
    • Longer instalment plans add a fee
    • Mostly limited to Southeast Asian markets
    Visit Atome Details and reviews
    How this score is calculated
    Editorial fit ×0.312
    Reviews ×0.363
    Clicks (90 days) ×0.150
    Freshness ×0.15100
    Votes ×0.150

    0 counted reviews, 0 up and 0 down votes. Full formula

    Is Atome a good Klarna alternative?

    Verified facts

    5 of 5 verified
    Interest-free split
    3 payments, 0% interest
    Checked Nov 8, 2026atome.sg(opens source in a new tab)
    Longer plans
    Small fee
    Checked Nov 8, 2026atome.sg(opens source in a new tab)
    Rewards
    Atome+ cashback and points
    Checked Nov 8, 2026atome.sg(opens source in a new tab)
    Parent group founded
    2016
    Checked Nov 8, 2026atome.sg(opens source in a new tab)
    Payment licence (Singapore)
    PS20200511
    Checked Nov 8, 2026atome.sg(opens source in a new tab)

The best Klarna alternative for…

The highest-ranked app in this list for each need.

Afterpay logo

Best Klarna alternative for most people

Afterpay

Very similar pay-in-4 model with capped late fees and a strong US and Australian merchant base.

Affirm logo

Best Klarna alternative for a free option

Affirm

US pay-over-time loans with simple interest shown up front and no late fees, for bigger purchases than pay-in-4.

PayPal logo

Best Klarna alternative for a free plan you can upgrade

PayPal

Pay in 4 and Pay Monthly are built into the PayPal checkout many shops already offer, with no separate app needed.

Zilch logo

Best Klarna alternative for iPhone and Android

Zilch

A UK pay-later card that works wherever Mastercard is accepted and pays cashback.

Scalapay logo

Best Klarna alternative for working in the browser

Scalapay

Italian BNPL service with three interest-free payments and a strong network of Italian retailers.

Klarna alternatives: common questions

What is the best alternative to Klarna?

Afterpay ranks first right now. Very similar pay-in-4 model with capped late fees and a strong US and Australian merchant base. Affirm and PayPal follow it in our ranking.

Klarna vs Afterpay: what's the difference?

Both Klarna and Afterpay are free to use. Both run on Web, iOS and Android.

Is Klarna free?

Klarna is free to use. US late fee: Up to $7; Monthly plans: 3–24 months. Checked on Klarna's own site, November 2026.

Is there a free alternative to Klarna?

Yes. Afterpay (free), Affirm (free), PayPal (free plan + paid) and Zilch (free plan + paid) have a free option. Check each app's verified facts for current plan limits.

Is there an open-source alternative to Klarna?

None of the 7 alternatives in this list is open source.

Why do people switch from Klarna?

The complaints we hear most: late fees apply if a payment can't be collected; monthly financing can carry APRs of up to about 36% in the US; pay in 4 is not offered everywhere in the US, such as Hawaii.

How is this list ranked?

Every app is scored with the same published formula: how directly it replaces Klarna, reviews (weighted by verification), visits from AppBreakup, how recently its facts were checked against its own website, and reader votes.