We chose Affirm as the best overall Buy Now, Pay Later (BNPL) app because of its lack of fees, wide acceptance by merchants, and strong overall performance in our scoring model. Depending on your shopping needs and habits, another BNPL app may serve you better. For example, Klarna has no fixed purchase limits and PalPal Pay in 4 is accepted by 30 million merchants. If you’re a Cash App user, you can now make BNPL purchases with Cash App Afterpay, a new partnership between the two familiar fintechs.
The best buy now, pay later apps offer multiple payment options (including monthly installments for large purchases), charge few fees, are accepted by the merchants you shop at, and have strong customer service and reputations for fair dealing.
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