Apps Like Klarna: Best Buy Now Pay Later Alternatives in 2025

The “Buy Now, Pay Later” (BNPL) model has changed how people shop online. Instead of paying the full price upfront, consumers can split payments into smaller installments—often without interest. Klarna has become one of the most popular names in this space, serving more than 150 million active users across 45 countries.

But Klarna isn’t the only BNPL provider. Many shoppers and merchants are searching for apps like Klarna that offer more flexible plans, lower fees, or better regional coverage. With new players such as Affirm, Afterpay, Sezzle, Zip, and PayPal Pay Later, the competition is heating up, giving consumers more choice than ever before.

Top 5 Klarna Alternatives for ConsumersWhen people search for apps like Klarna, they often want flexibility and transparency. Here are five leading alternatives that stand out in 2025:

1. Affirm – Transparent Monthly PlansAffirm is one of the biggest Klarna competitors in the U.S. Unlike traditional credit cards, Affirm lets users break down purchases into 3, 6, or 12-month installments. According to a 2024 report from PYMNTS.com, Affirm users are most active in electronics, furniture, and travel. The platform is known for its “no hidden fees” promise, meaning customers always know the total cost upfront.

2. Afterpay – Interest-Free ShoppingAfterpay has built a strong reputation among fashion and lifestyle brands. With over 20 million active users in the U.S., Australia, and the U.K., Afterpay makes it simple: pay in four equal, interest-free installments. This model is especially popular with Gen Z and Millennials, who prefer avoiding credit cards but still want flexibility when shopping for clothes, sneakers, and cosmetics.

3. Sezzle – Budget-Friendly & FlexibleSezzle focuses on shoppers who want extra breathing room. It offers a standard “pay in four” plan, but also allows users to reschedule one payment per order for free. In 2023, Sezzle reported that over 90% of its users were under 35 years old, showing its popularity among younger, budget-conscious consumers.

4. Zip (formerly Quadpay) – Pay AnywhereUnlike Klarna, which works only with partner merchants, Zip lets you split payments at any store that accepts Visa or Mastercard. This universal approach is a big draw for shoppers in countries where Klarna isn’t yet available. With operations in over 20 countries, Zip is quickly becoming one of the most flexible apps like Klarna for international users.

5. PayPal Pay Later – Trust & Global ReachPayPal’s entry into the BNPL market is powerful because it builds on an already trusted brand. With over 400 million global users, PayPal Pay Later combines installment options with strong buyer protection. This makes it a top alternative for consumers who want both convenience and security. Many online retailers accept PayPal, which means the service often works seamlessly without any extra setup.

The BNPL industry is growing faster than ever, and Klarna is no longer the only dominant name. Consumers and businesses now have multiple choices with apps like Klarna that provide different strengths—whether it’s Affirm’s longer monthly plans, Afterpay’s interest-free shopping, Sezzle’s flexibility, Zip’s global reach, or PayPal Pay Later’s trust factor.

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