Best Klarna | Pay Your Way Apps

4.9😞(2.4M ratings)

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#10in Finance

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Shop anywhere with flexible payment options, including interest-free installments and pay-in-30-days. Earn cashback, compare prices, track deliveries, and manage returns easily. Also offers mobile phone service.

What We Love

💳 Easy payment process
📦 Wide range of stores
🕰️ Flexible payment plans
🔍 Convenient for large purchases

Room to Improve

🚫 Inconsistent approval process
⚠️ Lack of Apple Wallet integration
🤖 Automated decision-making issues
🕰️ Slow/delayed refund processing
🤯 Poor customer service

Afterpay: Pay over time by Afterpay

Shop Now. Split your payments.

Strong Contender

4.9😐(753K ratings)

Free

#35in Shopping

Shop your favorite brands online or in-store and split your purchases into manageable payments. Get what you want now and pay over time with flexible installment plans, including options to pay in 4 installments or monthly.

What We Love

🚀 Convenient payment plan
💳 No interest or hidden fees
🤝 Good customer service (initially)
📈 Increasing credit limit with usage
🛒 Wide range of participating stores
🕰️ Flexible payment scheduling
💰 Helps with budgeting and affordability

Room to Improve

🐛 App/website technical issues
🔒 Security and privacy concerns
🤖 Lack of human customer support
🔽 Drastic credit limit reductions
🚫 Accounts closed/banned for minor issues
💳 Incompatibility with certain payment methods
🕰️ Automatic payments causing overdraft issues

Zip - Buy Now, Pay Later by Zip Co US, Inc.

Shop Now & Pay Over Time

Worth Considering

Pay in up to 24, No late fees

4.9😊(858K ratings)

Free

#48in Shopping

Split purchases into 4 or 8 interest-free installments, paid bi-weekly. Use online or in-store with a virtual or physical card. Earn cashback and potentially increase spending power with on-time payments.

What We Love

💳 Convenient payment option
🤑 Affordable payment plans
⏰ Flexible payment schedules
🤝 Helpful customer service
🆙 Increasing credit limits
🏪 Wide range of merchant partners

Room to Improve

🐛 Unreliable app performance
🤔 Unclear refund/return policies
🤷‍♀️ Inconsistent customer support
🔒 Security/account issues
💰 Unexpected fees/charges

More Klarna | Pay Your Way apps to explore

Tamara | Own your Dream

Pay in installments or in fullSign up in minutesShop at thousands of partners

This financial super-app offers flexible payment options, allowing you to shop now and pay later in installments or in full. Enjoy exclusive deals, cashback rewards, and buyer protection for a secure and seamless shopping experience.

(59K)

Four | Buy Now, Pay Later

Flexible Shopping & Payments

Split purchases into 4 paymentsPay every two weeksManage orders in one app

Shop your favorite online stores and split purchases into four interest-free payments. Manage all your orders and payment schedules in one convenient app, with optional upgrades for exclusive benefits.

Buy now pay later for bills

(117K)

freemium

Deferit: Pay bills in 4

Pay bills in 4 installmentsNegotiate lower bill ratesBuild credit history

Manage your bills and budget with flexibility. This app allows you to pay almost any service bill in four smaller installments with no interest. It also helps you save money by negotiating better deals with providers and builds your credit history by reporting on-time payments.

(34K)

PayLater: Split Your Payments

Relax, PayLater

Split payments into 4 installmentsFast and easy onboardingSecure PCI DSS-compliant transactions

Split your purchases into four easy installments with this buy now, pay later service. Enjoy flexible payment options and secure transactions with no hidden fees. Shop at a wide network of top retailers.

(292)

Revolut: Send, spend and save

Change the way you money

Multi-currency spending and transfersVirtual and physical card optionsStock trading with low minimums

Manage your money with a comprehensive financial app. Spend, send, and save across multiple currencies, invest in stocks, and track your spending with smart tools. Offers features for both adults and children's financial education.

(72K)

KashKick: Get paid to have fun

Take Surveys, Get Rewarded

Take surveys for cashGet rewarded for opinionsTransparent earnings

Earn real cash by sharing your opinions through surveys and engaging in other rewarding activities. This platform offers a transparent way to boost your income in your spare time, with easy withdrawals and a focus on user privacy.

(112K)

Flex - Rent On Your Schedule

Split rent anywhere you live

Split rent into smaller paymentsPay rent on your own scheduleBuild credit history

This app allows renters to split their monthly rent into smaller, manageable payments. It facilitates on-time rent payments, helps build credit history, and offers a flexible repayment schedule.

(489K)

Money. Debit Card. Bitcoin.

Cash App

Send & receive money/bitcoin instantlyRound up spare change to saveInvest in stocks, ETFs, and bitcoin

Easily send and receive money or bitcoin instantly. Save by rounding up change, invest in stocks or bitcoin, and get paid up to two days early with direct deposit. Features a customizable debit card with exclusive discounts.

(8.7M)

Target: Shop. Style. Save.

Deals on fashion & essentials

Shop seasonal arrivalsCurbside pickupSame-day delivery

Discover seasonal essentials, outfit ideas, and home decor. Shop deals on groceries, pantry staples, and gifts. Enjoy convenient services like curbside pickup and same-day delivery.

(6.9M)

SHEIN - Shopping Online

Fashion for Everyone

Wide selection of apparel, home, beauty, and accessoriesDaily Flash Sales up to 90% offFree shipping and returns

Discover a vast online marketplace for affordable fashion, home goods, beauty products, and more. Enjoy daily deals, free shipping, and flexible payment options. Connect with a community of shoppers and stay updated on the latest trends.

(3.6M)

Financing tools for merchants

Wisetack

Customer financing applicationsPay over time optionsMerchant tools

This app helps businesses offer payment plans to their customers. Merchants can send financing applications directly to clients, allowing them to pay for purchases over time. It simplifies the process of providing flexible payment options.

Real-Time Installment Control

Real-time installment controlMobile-first point-of-saleIntuitive workflow

Manage installment payments with a mobile-first point-of-sale experience. This app offers speed, clarity, and control for merchants, simplifying complex installment management into an intuitive workflow for in-store or on-the-go use.

(1)

Shop: Track, Pay, Discover

Shopping app & package tracker

Shop favorite brands and local storesPrice drop and restock alertsSave and organize items into collections

Discover and shop from your favorite brands and local stores, receiving alerts for deals and new arrivals. Organize wishlists, track all your orders in one place, and enjoy a seamless one-tap checkout experience.

eBay online shopping & selling

(7.1M)

ad-supported

Buy, sell & resell marketplace

AI-powered item listingReal-time deal alertsSearch with images

Discover and purchase millions of items, from new to pre-loved, with personalized alerts and AI-powered listing tools. Shop sustainably, join live auctions, and buy with confidence through authenticity and money-back guarantees.

(5M)

MultiSafepay Control

by MultiSafepay B.V.

Browse transactions and account balancesGenerate and share payment linksWithdraw funds to bank account

Access and manage your payment data from anywhere. Easily search, filter, and manage transactions, generate payment links, and handle fund withdrawals and currency conversions. The app allows for accepting or declining transactions and updating order statuses.

(0)

Temu: Shop Like a Billionaire

Shop incredible deals on Temu!

Wide product selectionDaily dealsFast and secure checkout

Discover a vast selection of products across fashion, home decor, beauty, and more. Enjoy daily deals, fast and secure checkout, and free shipping and returns. Shop for a wide variety of items at competitive prices.

(2.2M)

Credit, Cash back, Savings

Chime® – Mobile Banking

Early payday accessFee-free overdraft protectionCredit building tools

Manage your finances with tools for early payday access, fee-free overdraft protection, and credit building. This app offers a checking account with fee-free cash deposits and ATMs, plus automatic savings features and 24/7 support.

(1.6M)