Buy now pay later apps allow you to spread payments when purchasing items at your favourite shops with most requiring no hard credit check.
Whether you need a new set of electronics from Currys or a pair of shoes through the Amazon marketplace, you can enjoy splitting the costs over manageable instalments.
While these options bring convenience when shopping, many of them also employ a soft credit check that does not impact your credit report.
Best Buy Now Pay Later Apps in UK
Below is a list of the top buy now pay later apps you can use for shopping at your favourite merchants:
Instalments by Barclays
Credit Check
Soft
Min. Value
£100
Max. Value
£5,000
Tip: Instalments by Barclays is a credit account you can apply for when checking out on shopping portals and enables you to spread payments for up to 48 months. For Barclaycard holders, it also works on a post-transaction model.
Instalments by Barclays is a unique option on this list of buy now pay later apps considering that you cannot only use it in real-time when shopping online.
While new users can directly apply for it on retail platforms like Amazon and the Apple Store, existing Barclays cardholders enjoy an extra benefit through the post-split feature.
If you currently have an eligible credit card, you can create payment plans on your existing purchases by logging into your Barclays account and selecting qualifying payments of a minimum of £100 to add to your Instalment Plan.
While the direct-use method allows you to spread payments for up to 48 months, you are limited to a maximum of 24 months using the post-transaction option.
PayPal
Credit Check
Soft
Min. Value
£30
Max. Value
£2,000
Tip: PayPal buy now pay later options are available at popular retail checkouts with variations for interest-free financing for up to four months.
If there is one to make a favourite in this list of buy now pay later apps, PayPal will be there as part of the considerations for its presence at most well-known retailers.
While PayPal Pay in 3 lets you spread payments over 2 months, it provides PayPal Credit which is a revolving fund you can use for high-ticket purchases with an instalment length of up to 48 months.
Since PayPal Credit is a revolving line of credit, it comes with an APR (which stands at 23.9%) but it offers an interest-free window of four months.
The applicable spending limit differs; the Pay in 3 requires a minimum cart value of £30 while the long-term financing is for qualifying purchases of £99 or more.
V12
Credit Check
Soft*
Min. Value
£250
Max. Value
£50,000*
Tip: With V12 Retail Finance, you can spread payments over 6 months up to 120 months with interest ranging from 0% to 19.9%.
This is one of the popular options you can use to spread the cost of your purchases when shopping online and at the physical outlets of well-known retailers.
If you choose the 12-month plan at checkout, this comes at no cost with the longer terms of up to 120 months having APR between 4.9% to 19.9% representative.
When compared to many of the other buy now pay later apps, it offers more funds for high-ticket purchases (of up to £50,000).
There is usually a hard inquiry when using V12 for financing but many of its retail partners have the eligibility checker at checkout you can use to determine if you will qualify with no impact on your credit score.
Klarna
Credit Check
Soft
Min. Value
£35
Max. Value
Varies
Tip: Klarna is accessible across several online shops and provides alternate channels like virtual cards, browser extensions, and in-app features you can use to make purchases anywhere.
Klarna no doubt is one of the best buy now pay later apps you can use for financing products, thanks to its widespread merchant network across several categories.
The platform relies on a soft credit inquiry without impacting your score and with its non-strict considerations, you may qualify for its spread payments even with a less-than-perfect credit profile.
It has different options when using it at any of the online shops that accept including the popular pay-in-3, its no down payment pay in 30 days, and the long-term monthly instalments.
One reason Klarna is a favourite for so many users is its offerings that you can use to make payments where it is not directly accepted.
These include its Klarna card, the Chrome-compatible browser extension, and the in-app shopping page it provides for seamlessly using it anywhere, including for offline transactions through popular digital wallets.
DivideBuy
Credit Check
Soft*
Min. Value
£50
Max. Value
£6,000
Tip: DivideBuy is accessible to use at a host of merchants for split payments for a cart value within its maximum spend amount of £6,000 through monthly instalments.
You almost cannot have a list of the best buy now pay later apps in the UK without mentioning DivideBuy, thanks to its widespread usage across several merchants for shopping.
This platform has good credibility, especially being owned by Zopa, the online bank known for its attractive deposit accounts, personal loans, and credit cards among others.
Its pay in 4 instalments is different from that offered by many of the other buy now pay later apps as instead of on a bi-weekly charge basis, it operates through monthly instalments.
Though it employs a soft credit check to determine your eligibility for its purchasing power, the platform may conduct a hard pull when you place an order.
DivideBuy has a generic minimum spend value of £50 but at some of the online shops that accept it, this could vary but the maximum credit you can access is £6,000.
Humm
Credit Check
Soft*
Min. Value
£80
Max. Value
£30,000
Tip: It allows payment plans of up to 36 months and you can enjoy interest-free financing using its 3 and 12 months options.
One of the buy now pay later apps that not only gives high amounts for big value purchases but also offers interest-free financing.
Popular for its collection of sofa stores, Humm 3-month no-interest plan can be used on cart values between £80 to £500.
There is also a 12-month option that has no interest but this comes with a monthly fee of £5 charged for account keeping.
You can use it to spread payments up to 36 months and the representative APR starts from 4.99%.
Clearpay
Credit Check
Soft
Min. Value
£10
Max. Value
£1,000
Tip: Clearpay operates through its pay in 4 interest-free instalments which have to be repaid in six weeks. It provides a virtual card alongside a good inventory of gift cards for financing where it is not directly accepted.
Clearpay might have a unique name different from its sister brand, Afterpay but maintains the same theme in enabling users to access products through convenient payments.
It is one of the buy now pay later apps that not only have a presence in the UK but are also available to consumers in other countries like the US and Australia (trading as Afterpay).
Unlike some of the other providers that work through monthly instalments, Clearpay offers a Pay-in-4 option that requires repayment on a bi-weekly basis.
The platform also has a virtual card which you can generate and connect to your favourite digital wallet to use for payment plan purchases online and in-store.
If your preferred online shop does not have it integrated, you can get a buy now pay later gift card from its inventory which you can use to checkout.
Splitit
Credit Check
None
Min. Value
Varies
Max. Value
Varies
Tip: Splitit is a unique platform that relies on your existing credit line as available on your credit card to enable you to enjoy spread payments.
Splitit does not perform any kind of credit check rather, it relies on your existing credit line if you have a credit card from any of Mastercard, Visa, or Discover (including merchant-dependent American Express cards).
The minimum and maximum spend limit is based on your revolving line from your credit card provider hence, you will need to ensure the cart value is within what is available to your credit card.
It works by placing a hold on your credit card for the full product cost and the held value will continue to reduce as you repay until it is completed.
Splitit payments are on a monthly basis and could range from six to up to 24 months in length.
Creation Finance
Credit Check
Soft
Min. Value
£200
Max. Value
£25,000
Tip: Creation has plans from 12 to 48 months with up to £25,000 accessible credit at top retailers.
It is one of the popular payment plan providers, especially for walk-in purchases due to the widespread offline network of supporting retailers.
Creation Finance has different credit plans with the 12-month option available to use with no interest, provided you pay the expected monthly minimum before the statement due date.
Some of its partners include the well-known furniture house, DFS and department store retailer John Lewis.
The APR on its financing is 29.9% and as a first-time user, you may be able to enjoy the promotional offer of 9.9%.
Payl8r
Credit Check
Soft*
Min. Value
£50
Max. Value
£2,500
Tip: Payl8tr provides an instalment loan at checkout with its 30-day plan offering zero interest and you can use it to spread payments for up to 18 months.
Payl8r might be more popular as one of the buy now pay later apps for outdoor enthusiasts due to its acceptance by several retailers within that category but you can also use it to finance everyday essentials including electronics, sofas, and more.
This option enables you to enjoy instalment payments for up to 18 months and an opportunity to pay no interest if you are able to complete repayment within the first 30 days.
After 30 days, the interest will start counting and stand at an APR of 48%, resulting in a representative annual interest rate of 127.34% when you add the product price to the total expected payments.
Though using Payl8r involves checking your credit profile to determine your spending power, it may also help you to build your score if you continue to repay on time as the platform reports activities to the major bureaus.
While it uses a soft inquiry to determine your eligibility for financing, the platform may perform a hard credit check to get more details once your order is approved.
Curve Flex
Credit Check
None
Min. Value
£50
Max. Value
Varies
Tip: Curve provides Flex as an add-on service to its existing credit cards, enabling cardholders to enjoy payment plans on their purchases.
While this platform may be more popular for its credit card, the Curve Flex is an amazing service which adds to the existing benefits enjoyed by its cardholders.
This buy now pay later add-on can also be utilized for purchases already performed by going to your transaction history and converting eligible purchases to a Flex plan and you will be able to spread the payments for up to 12 months.
There is also a complementary Flex Card which you can apply and since it relies on your existing credit limit, no extra credit check is required.
This card is to enable users to enjoy payment splitting whenever needed without having to be bothered with converting it later to a Flex plan.
Novuna
Credit Check
Soft*
Min. Value
£200 – £550
Max. Value
£35,000
Tip: You can use Novuna across a number of retail websites to spread the cost of your purchases for up to 48 months with an average required minimum cart value between £200 and £550.
Novuna is one of the loan-based installment buy now pay later apps on this list that you can use to finance your purchases when shopping at well-known online stores.
While the minimum cart value required to utilize it for payment plans varies per merchant (£200 to £550 on average), its maximum is £35,000.
The platform allows you to spread payment through flexible instalments for up to 48 months.
However, only the shorter plans including the 6, 9, and 12 months options qualify for its interest-free financing.
Depending on the length of your selected term, you may be required to pay up to 32.7% in APR if it is more than 12 months.
Mondu
Credit Check
CRN Required
Min. Value
£500
Max. Value
£15,000
Tip: Mondu provides checkout financing only to licensed businesses which can be used for instalment payment plans up to 12 months.
Mondu is one of the buy now pay later apps you can use for financing high-ticket items needed for your business as the platform does not accept individuals.
As part of its approval process, an applicant must have a valid company registration number (CRN) which has to be filled through the collection form at checkout for validation.
Depending on the result of its validation, you can be eligible to use it to spread payments for your B2B purchases in flexible instalments with plans that include 3, 6, and 12 months.
There is also a service fee which varies depending on the plan selected and below shows the applicable charges for each:
- 3 months: 2.5%
- 6 months: 4.5%
- 12 months: 9.5%
iwocaPay
Credit Check
Soft
Min. Value
£150
Max. Value
£15,000
Tip: iwocaPay is another B2B-targeted financing provider allowing registered businesses to access re-stocking funds to be repaid in instalments for up to 12 months.
iwocaPay is another option on this list of buy now pay later apps you can utilize if you have a registered business, including limited and LLP-based licensees.
At most of the online shops accepting it, you will need a minimum cart of £150 which can have a worth up to its maximum of £15,000 to use it at checkout.
The platform has varying terms with the Pay in 3 option allowing you to enjoy its financing without interest.
If you decide to use its 12-month payment plan, that comes with a monthly interest of 3.33% which is equivalent to 39.96% in APR.
Currys Your Plan
Credit Check
Soft*
Min. Value
£99
Max. Value
Varies
Tip: Currys Your Plan provides credit you can use for payment plan purchases on tech products starting from £99 for up to 36 months instalments.
If you like using Currys for shopping, this may be an interesting buy now pay later option you can use to finance purchases on the platform.
It offers flexible credit in partnership with Creation Finance that you can use to buy tech-related items like TVs, washing machines, mobile phones, laptops, tablets, and others.
When using this option on the Currys portal, you can check your credit eligibility before applying which utilizes a soft inquiry without real impact on your bureau profile.
Your Plan comes with a representative APR of 29.9% and you can avoid paying the interest if you clear your full balance before or by the statement due date.
VeryPay
Credit Check
Soft
Min. Value
£50
Max. Value
£1,000
Tip: You can shop Very using this shopping credit option on a cart value of £50 and above with the opportunity to spread payments up to 12 months.
VeryPay is another shopping credit on this list of buy now pay later apps you can utilize for splitting purchase costs but it is only valid for use when using the Very portal.
It comes in different variations including Pay in 3, the monthly payment option, and a third option that lets you defer payments for up to 12 months.
While you can enjoy interest-free financing when using its different payment plan options, you will be liable to pay interest if you miss your periodic payment.
It comes with a representative APR of 44.9% and depending on the eligibility check, you could be offered up to £1,000 in credit.
Zilch
Credit Check
Soft
Min. Value
£10
Max. Value
£2,250
Tip: Zilch is a unique split payment provider operating through its card you can use for purchases at several retailers online and offline.
Zilch offers one of the best buy now pay later virtual cards with its working very unique combining the features of a debit and prepaid financing card.
By default, it is a debit card which will charge the connected payment method to your Zilch account when used for shopping hence, it requires a pre-setting on the app (which you can handle) before you can utilize it for a payment plan.
While you will need a minimum cart value of £10 for its pay in 6 weeks option, the pay in 3 months plan requires a purchase amount of at least £75.
Depending on your selected plan, a downpayment between 25% to 50% of the purchase amount is required.
PayItMonthly
Credit Check
Soft
Min. Value
£100
Max. Value
£3,000
Tip: With PayItMonthly, you can enjoy up to 12 months of interest-free payments for a cart value between £100 and £3,000.
PayItMonthly is one of the buy now pay later apps that offers interest-free financing with payments charged on a monthly basis.
The maximum length of allowable payments depends on the value of your cart as transactions between £100 to £300 are limited to 4 months with those above qualifying for either max 6 months or an extended length of up to 12 months.
While this option is accepted by many shops online, some merchants may ask you to send a separate request to their support team if you are unable to access it on their checkout pages.
Bumper
Credit Check
Soft
Min. Value
£60
Max. Value
£5,000
Tip: Bumper is a niche-based financing option you can use for payment plans on car repairs at several auto shops.
Bumper is one of the buy now pay later apps that focuses on a unique offering with its services directed towards vehicle owners who need financing for their car repair needs.
You can use it to spread the cost of your repair bill from £60 up to its maximum £5,000 with instalments ranging from 1 to 6 months.
While your application will be handled on its online portal, the assigned purchasing credit will mostly be used offline considering that most of its partners operate through their physical repair shops.
However, a handful of them have an online presence and you can utilize the option with no real impact on your credit score.
Fair for You
Credit Check
Soft
Min. Value
£50
Max. Value
£600
Tip: Fair For You is a charity-focused credit provider you can use to shop at popular retailers and spread payments for up to 12 months on household essentials.
Fair For You is another interesting option you can have on your list of buy now pay later apps when in need of financing for items such as electronics, appliances, and more.
Though as a new user, you are limited to its maximum of £600 which you can use online and with its shopping card, you can utilize your purchasing power in-store at locations of its partnering retailers.
This platform charges a monthly interest rate of 4.25% which is equivalent to an annual interest rate of 51%.
However, you can pay off your loan anytime with no penalty hence, the earlier you complete the payment, the lower in interest you will pay.
Newpay
Credit Check
Soft*
Min. Value
£100
Max. Value
£5,000
Tip: Newpay is another interesting option that grants up to £5,000 to use for financing purchases at well-known retailers and spread payments for up to 24 months.
Newpay is one of the buy now pay later apps you can use for long-term financing as the platform will allow you to spread payments for high-ticket purchases for up to 24 months.
With top popular retailers accepting it, you may enjoy interest-free financing for up to 6 months at some of its partnering merchants.
While it offers up to £5,000 you can access for instalment payments, it has a representative APR of 24.9% with a feature that you can utilize to check your eligibility through a soft inquiry without impacting your credit score.
Snap Finance
Credit Check
Soft*
Min. Value
£200
Max. Value
£7,000
Tip: Snap Finance offers varying payment options with interest-free pay in 4 months as one and you can split costs for up to 36 months with a maximum of £7,000 to access.
If you want to add to your list of buy now pay later apps that you can utilize for monthly long-term financing then, Snap might interest you.
The platform will allow you to enjoy its service at many retailers online with a minimum cart value of £200 at most of its partners.
While you can use it for a long-term payment plan, the maximum length you will have is based on the value of your order but at least, you can access its interest-free four months option.
However, after that, a representative APR of 34.9% will apply.
Deko Pay
Credit Check
Soft*
Min. Value
£250
Max. Value
£15,000
Tip: Deko offer different credit services with its buy now pay later available across many merchants for split payments for up to 36 months. It is owned by the same company managing Newpay.
Deko is one of the buy now pay later apps provided by the financial company, Pay4Later which is also behind the Newpay service.
While it offers different options, its popular financing solution will enable you to connect to multiple lenders at checkout when making payments.
At most of the online shops that accept it, you will need a minimum cart value of £250 and the maximum you can access depends on the lender which will not exceed £15,000 (average max offering from its financing partners).
Payment Assist
Credit Check
Soft
Min. Value
£30
Max. Value
£3,000
Tip: Payment Assist is a popular provider of financing majorly for service-related needs, especially for auto repair, dental, veterinary, and similar services.
This is one of the speciality-based buy now pay later apps you can use for handling bills that have to do with, majorly automobile repairs as many of its partners are within that space.
However, you can also find several other service providers focused on offering extended warranty subscriptions, veterinary, and dental.
There are some platforms that accept it for product purchases in addition to service bill handling with interest-free financing for up to four months.
Depending on the retailer you are accessing this option at, you may be able to spread payments for up to 12 months with no interest.
Hokodo
Credit Check
Soft
Min. Value
£550*
Max. Value
£20,000
Tip: Hokodo offers financing to businesses for high-ticket purchases with an option to spread payments up to 5 months.
If you own a business that requires wholesale product financing, Hokodo is one of the suitable buy now pay later apps you should have in your list of considerable options.
The platform provides large funds for high-ticket purchases for registered businesses which can be repaid through monthly instalments for up to five months.
Despite the high value it offers through its financing, you can enjoy the buy now pay later service with no interest required.
With so many of the buy now pay later apps having very good merchant spread, you should be able to find one to utilize to finance your next purchases.
While doing so, it will be good for you to understand the terms, especially with APR in order to avoid paying more than expected hence, read the fine print before proceeding with an option.
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