Best buy now, pay later apps

Swedish payment service for splitting purchases into four payments, paying in 30 days or financing over months.

Buy now, pay later service that splits purchases into four payments, online and in stores.

Pay-over-time service with interest-free pay-in-4 plans and longer monthly loans, plus the Affirm Card.

Indian pay-later and instant credit app for online checkout and small personal loans

Gulf buy now, pay later app that splits purchases into four interest-free payments or longer plans.

Saudi buy now, pay later app with Sharia-compliant instalments, no late fees and plans up to 24 months.

UK pay-later card and app for spreading purchases over six weeks or three months, with cashback rewards.

Indian EMI shopping app that lets you pay in monthly instalments without a credit card

Southeast Asian buy now, pay later app that splits purchases into three interest-free payments.

European buy now, pay later service that splits online and in-store purchases into three interest-free payments.