Buy now, pay later

Klarna is a fintech startup that partners with retailers to offer customers the ability to split their online purchases into four manageable installment payments, with the first due at checkout and the rest every two weeks. There are no fees for on-time payments. Users can manage their payments and get an overview of their purchases in the Klarna app. Klarna aims to provide a smooth shopping experience with simple sign-ups and transparent terms. Additionally, it offers a rewards club for shoppers and collaborates with businesses to integrate their sales platform with Klarna's payment system.

Klarna

Klarna provides easy online payments, management, and shopping services.

Online shopping tools

Afterpay is a fintech startup providing a buy now, pay later service where consumers shop at various brands and pay for their purchases over time. The service allows users to make installment payments, often in four interest-free payments, both online and in-store at numerous retailers. Afterpay encourages responsible spending by sending reminders and capping late fees. Their popular mobile app gives access to deals, curated brand round-ups, and exclusive in-app offers. They serve as a budgeting tool to manage purchases and have implemented measures to promote on-time payments and prevent debt accumulation.

Afterpay

Afterpay offers interest-free installment payments for online and in-store purchases.

Sezzle is a payment platform that allows shoppers to split their purchase into four interest-free payments over six weeks. Customers can sign up instantly with no negative impact on their credit, as Sezzle performs a soft credit check. They offer flexible financing options and a Sezzle virtual card to pay in-store. For merchants, Sezzle helps increase sales by providing a responsible payment solution that encourages larger purchases. Sezzle is committed to financial empowerment, offering tools for users to build credit and control finances, contributing to their future financial freedom. Rates vary by lender for other payment options.

Sezzle

Buy now, pay later in installments, improve credit, for merchants.

Affirm is a financial technology company providing Buy Now, Pay Later solutions. Customers can purchase goods and pay over time with customizable plans that fit their budget. They offer the Affirm Card, which allows users to either pay in full or over time. With mobile app integration, users can manage their purchases, check payment options, and access exclusive deals, some with 0% APR. Affirm partners with various retailers to enable payment flexibility both online and in-store. The terms are clear, and they aim to eliminate hidden fees and compound interest to promote responsible spending.

Affirm

Affirm offers easy payment solutions and flexible financing options online.

Buy now, pay later

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