Apps Like Klarna (2026)
The top 3 Klarna alternatives are Affirm, Afterpay, and PayPal Credit. Affirm is best for flexible repayment plans, Afterpay for interest-free short-term financing, and PayPal Credit for existing PayPal users seeking a familiar interface.
People look for alternatives due to concerns over high late fees, limited international availability, privacy issues with data handling, and the desire for more flexible repayment terms or lower-cost options.
| App | Best for | Platforms | Pricing |
|---|---|---|---|
| Affirm | Users who want longer-term financing options with clear terms. | iOS, Android, Web | Free / freemium |
| Afterpay | Shoppers who prefer to avoid interest charges and can manage shorter repayment windows. | iOS, Android, Web | Free / freemium |
| PayPal Credit | Existing PayPal users seeking a straightforward BNPL option. | iOS, Android, Web | Free / freemium |
| Sezzle | Budget-conscious shoppers who want to avoid interest and manage their spending. | iOS, Android, Web | Free / freemium |
| Splitit | Users who want to avoid additional credit checks and use their current credit lines. | iOS, Android, Web | Free / freemium |
| Zip (formerly Quadpay) | Shoppers who want a simple, interest-free payment plan for retail transactions. | iOS, Android, Web | Free / freemium |
| Perpay | Users with limited credit history or lower credit scores. | Web | Free / freemium |
| Openpay | Users looking for extended repayment terms for larger transactions. | iOS, Android, Web | Free / freemium |
The best Klarna alternatives
Affirm
Best for Users who want longer-term financing options with clear terms.A BNPL service offering flexible repayment plans with transparent fees.
Affirm stands out for its transparent fee structure and longer repayment terms compared to Klarna's typically shorter installments. However, this flexibility can come with higher interest rates for longer-term plans.
- No hidden fees or compounding interest
- Customizable payment plans up to 36 months
- Wide merchant network including Amazon and Walmart
- May require a credit check
- Interest rates can be higher for longer terms
- Not available in all countries
Afterpay
Best for Shoppers who prefer to avoid interest charges and can manage shorter repayment windows.A BNPL service focused on interest-free, short-term payment plans.
Afterpay is ideal for users who want to avoid interest and can adhere to shorter repayment schedules. Unlike Klarna, it doesn't offer longer-term financing options, which could be a drawback for some.
- No interest charges
- Instant approval process
- Wide range of retail partners
- Late fees can be steep
- Shorter repayment terms (typically 6-8 weeks)
- Limited to retail purchases
PayPal Credit
Best for Existing PayPal users seeking a straightforward BNPL option.A BNPL solution integrated with the widely-used PayPal platform.
PayPal Credit offers the convenience of using an existing PayPal account, but its interest rates are generally higher than Klarna's, and its repayment terms are less flexible.
- No annual fee
- Instant access for PayPal users
- Can be used for any PayPal merchant
- Higher interest rates compared to some competitors
- Requires a PayPal account
- Less flexible repayment terms
Sezzle
Best for Budget-conscious shoppers who want to avoid interest and manage their spending.A BNPL service emphasizing interest-free installments and a focus on responsible spending.
Sezzle offers a straightforward BNPL experience with a focus on responsible spending, but its retailer network is not as extensive as Klarna's.
- No interest charges
- Four-part payment plans
- User-friendly app interface
- Late fees apply
- Limited to specific retailers
- Requires a credit check
Splitit
Best for Users who want to avoid additional credit checks and use their current credit lines.A BNPL service that leverages your existing credit card for installment payments.
Splitit offers a unique approach by using your existing credit card, which can be convenient but may affect your credit utilization ratio.
- No application or credit check required
- Uses existing credit card limits
- No interest charges
- Service fee for some transactions
- Limited to credit card holders
- May impact credit utilization
Zip (formerly Quadpay)
Best for Shoppers who want a simple, interest-free payment plan for retail transactions.A BNPL service offering interest-free installment plans with a focus on retail purchases.
Zip is similar to Klarna in its focus on retail purchases, but it lacks the broader financial services Klarna offers.
- No interest charges
- Wide retail network
- Easy-to-use mobile app
- Late fees apply
- Service fees for some transactions
- Limited to specific retailers
Perpay
Best for Users with limited credit history or lower credit scores.A BNPL service that bases approval on income rather than traditional credit scores.
Perpay offers an alternative approval process that can be beneficial for users with less traditional credit profiles, but its platform is less versatile than Klarna's.
- No credit check required
- Approval based on income
- Flexible payment schedules
- Limited to specific retailers
- Higher fees for some transactions
- Web-only platform
Openpay
Best for Users looking for extended repayment terms for larger transactions.A BNPL service offering longer-term payment plans with a focus on larger purchases.
Openpay provides longer repayment terms, which can be advantageous for larger purchases, but its merchant network is not as extensive as Klarna's.
- Longer repayment terms
- No interest charges
- Flexible payment options
- May require a credit check
- Limited merchant network
- Late fees apply
How we picked
We selected these alternatives based on their features, user reviews, and how closely they align with Klarna's core BNPL functionality. We also considered factors like ease of use, fee structures, and the diversity of merchant partnerships.
Our verdict
Affirm is the best overall replacement for Klarna due to its flexible repayment options and transparent fee structure. For a free option, Afterpay is the top pick, offering interest-free installments with a simple user experience.
Frequently asked questions
Is there a free alternative to Klarna?
Yes, Afterpay, Sezzle, and Zip offer free BNPL services with no interest charges.
Which alternative is best for privacy?
Sezzle and Splitit are known for their strong data protection policies.
What is the best free option?
Afterpay is the best free alternative, offering interest-free payments with a wide retail network.
Which alternative is the closest match to Klarna?
Zip (formerly Quadpay) is the closest match to Klarna in terms of functionality and retailer partnerships.
Can I switch/export my data easily?
Most alternatives allow you to export your transaction history, but the process varies by platform.
Is it safe to use these alternatives?
Yes, all the listed alternatives are legitimate services with secure data handling practices.
Is there a difference between iOS and Android versions?
Generally, the core functionality is the same, but some features may vary slightly between iOS and Android versions.