Best 20 Buy Now, Pay Later Apps for 2023

buy now pay later no credit check

These best buy now, pay later apps will allow you to buy and own products of choice payable in installments, and usually with no credit checks and interest.

If you are looking for the by now, pay later apps and websites to run to, find the best 10 that allows dividing your payments into smaller but equal installments.

The BNPL Business Model

Buy now pay later companies operate a business model that allows customers to get products of choice without the need to pay in full amount. Customers can best buy products online, and in retail stores and pay later depending on the installment plan. In most cases, there is no interest charged, and neither do BNPL companies do credit checks.

Here are the best 10 buy now, pay later apps for 2023

  1. Afterpay: Interest-free payment plans

Afterpay is one of the buy now, pay later apps with 4 simple pay overtime installments. From a wide range of retail stores, you are able to choose your choice of products in beauty, fashion, homeware, and more.

Afterpay payment plans

Afterpay requires you to pay the first installment straight away, and then pay the remainder every two weeks. There are no credit checks or interest fees associated.

Download, install and launch the Afterpay app to get started.

  • Affirm: Fit for longer payment durations

Unlike other BNPL apps that give you lower duration when it comes to payments, Affirm is kind of different. With up to 9 months of payment, you get a lot of time to ensure your bill is cleared in time. You are worry-free when it comes to flexibility since there are no late fees, hidden fees, or surprises attached.

Affirm additional offers

  • Open a high-yield savings account with no minimum
  • Rates from 0-30% APR
  • Make payments within the Affirm app
  • Reminders to help you track payment plan
  • Payment plans range from 3, 6, and 9 months

Download, install and launch Affirm app to get started.

  • MobiKwik: Best for paying bills

MobiKwik is a buy now pay later payment app that gives you credit of up to ₹30,000. You can make UPI, pay bills, do mobile recharge, prepaid recharge, postpaid recharge, electricity bill payment, money transfer, BHIM UPI, DTH bill payment, broadband payment, and credit card payment

Download, install and launch MobiKwik to get started

Alternative Buy now, Pay Later Apps for 2022

  • BillEase
  • Plentina PH
  • Zilla
  • Suave
  • Spotii
  • Tabby
  • Postpay
  • PayFi
  • QisstPay
  • PayPal
  • PayLater Hub
  • Sympl
  • Slice
  • Odiopay
  • Tamara
  • Twisto
  • LipaLater
  • Pay Later Uganda

Are BNPL Apps legit?

Yes, buy now pay later apps are legitimate. Since it’s all about helping the customer to get a product of choice and pay later, definitely it is a legit business. Unlike if it was the opposite, we would say otherwise. For as long as you agree to the installment terms and agreement, pay your first deposit and have your product, you are ready to go.


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