Based on research and not influenced
This is based on research, and not influenced. However, we may earn a commission if you buy through links on this site.

Best Buy Now Pay Later Apps for Shopping

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

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 Directly Accepted by

Amazon

The marketplace is an online platform where third-party sellers can list and sell their products alongside those sold by Amazon itself. It offers a wide range of goods, providing customers with diverse options and competitive pricing.

Apple

The Apple Store offers a wide range of Apple products, including iPhones, iPads, MacBooks, and accessories which you can finance through its direct support for Instalments by Barclays.

Xiaomi

Mi, short for Xiaomi, is a global technology company offering a diverse range of consumer electronics, including smartphones, smart home devices, wearables, and accessories. Known for innovation and affordability, Mi products cater to tech-savvy individuals worldwide.

 

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.

 

Read more about Instalments by Barclays

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

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.

PayPal is Accepted by

Temu

Temu is a popular shopping destination revolutionizing affordability known for its huge discounts. Specializing in fashion, homeware, and electronics, it offers free UK shipping and a generous 90-day return policy, making it an attractive option for budget-conscious shoppers.

Boots

Boots is a renowned health and beauty retailer. With a diverse product range, including cosmetics, skincare, pharmaceuticals, and toiletries, it serves as a one-stop shop for personal care. The platform also provides pharmacy services and wellness advice, emphasizing accessibility and customer well-being.

ManoMano

ManoMano is an online marketplace specializing in home improvement and gardening products. Connecting customers with a vast range of tools, furniture, and outdoor essentials, it aims to simplify DIY projects by offering a diverse selection of products from various sellers on its platform.

Dunelm

Dunelm is a home furnishings retailer offering a wide range of products, including furniture, bedding, curtains, and kitchenware. Known for quality and affordability, it provides a one-stop shop for home essentials, catering to diverse styles and preferences in interior decor.

Wowcher

Wowcher is a daily deals website offering discounted deals on a variety of products and services, including travel, dining, beauty, and experiences. Users can explore and purchase vouchers for significant savings on a wide range of goods and activities.

 

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.

 

Read more about PayPal

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.

Klarna

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 is Accepted by

Temu

Temu is a budget-friendly shopping platform that blends Shein’s diverse fashion choices with AliExpress-style deals on homeware and electronics. It distinguishes itself with free UK shipping and a generous 90-day return policy, making it an appealing option for cost-conscious shoppers seeking variety and convenience.

RiverIsland

River Island is a high-street fashion brand known for its trendy clothing and accessories. With a focus on affordable and stylish options, it offers a diverse range of fashion-forward items for men, women, and children.

HP

The HP Store is an official online retail platform for Hewlett Packard, offering a wide range of laptops, desktops, printers, accessories, and other technology products. Customers can access the latest HP innovations and reliable tech solutions directly from the official store.

Novatech

Novatech is a technology retailer specializing in computers, components, and peripherals. Known for its extensive product range, including custom-built PCs, laptops, and gaming equipment, it provides hardware solutions for both individual consumers and businesses, emphasizing quality and performance.

Google Store

The Google Store is an official online retail platform where customers can purchase Google-branded hardware, including Pixel phones, Nest smart devices, Chromecast, and accessories. It provides a direct channel for consumers to access and buy Google’s latest technology and products.

 

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.

 

Read more about Klarna

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.

Curve Flex

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.

 

Read more about Curve Flex

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.

DivideBuy

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.

DivideBuy is Accepted by

Emma Sleep

Emma Sleep is a mattress and bedding company that offers high-quality, memory foam mattresses and sleep accessories. With a focus on comfort and innovation, Emma Sleep aims to provide customers with a restful night’s sleep through its range of thoughtfully designed sleep products.

MuscleSquad

MuscleSquad is a fitness brand known for its workout equipment, supplements, and apparel. Catering to fitness enthusiasts, it emphasizes quality and functionality in its products, supporting individuals in achieving their fitness goals through a comprehensive range of fitness-related offerings.

DreamCloud

DreamCloud is a luxury mattress brand offering hybrid mattresses with a blend of memory foam and innerspring technology. Known for comfort and support, its mattresses are designed to provide a restful sleep experience, combining quality materials for a premium feel.

Nectar Sleep

Nectar Sleep is a mattress brand recognized for its memory foam mattresses. Engineered for optimal comfort and support, its mattresses are often associated with a generous trial period and a forever warranty, appealing to those seeking a risk-free and quality sleep solution.

HumanWare

HumanWare is a company specializing in assistive technology for individuals with visual and learning impairments. They develop innovative products like braille displays, electronic magnifiers, and accessible software to enhance independence and accessibility for those with diverse needs in education, work, and daily life.

 

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.

 

Read more about DivideBuy

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.

Clearpay

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 is Accepted by

Temu

Temu, a budget-friendly shopping haven, redefines affordability with substantial discounts. Focused on fashion, homeware, and electronics, it entices budget-conscious shoppers with free UK shipping and a generous 90-day return policy, establishing itself as a popular choice for those seeking both savings and quality.

BoohooMan

BoohooMan is the men’s fashion counterpart of Boohoo, offering a trendy and affordable range of clothing. With a focus on fast fashion, it provides a diverse selection of styles for the modern man, emphasizing accessibility and staying at the forefront of current fashion trends.

Ann Summers

Ann Summers is a retailer specializing in intimate apparel, lingerie, and adult products. Known for its bold and empowering designs, Ann Summers offers a diverse range of lingerie and accessories, creating a playful and inclusive shopping experience for individuals exploring self-expression and confidence.

Wowcher

Wowcher, a prominent daily deals platform, curates discounted offers on a wide array of products and services, spanning travel, dining, beauty, and experiences. Connecting consumers with attractive deals, it provides a diverse range of opportunities to discover and save on various goods and activities.

Sephora

Sephora is a global beauty retailer, renowned for its extensive selection of cosmetics, skincare, and fragrances. With a commitment to offering a diverse range of premium beauty products and exceptional customer experiences, it is a go-to destination for beauty enthusiasts worldwide.

 

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).

 

Read more about Clearpay

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.

Laybuy

Laybuy

Credit Check

Soft

Min. Value

£20

Max. Value

£720


Tip: Laybuy provides a weekly instalment plan in a total of six payments when using it at its partnering shops and through its virtual card.

Laybuy is Accepted by

Boohoo

Boohoo is a popular online fashion retailer, known for its trendy and affordable clothing. With a wide range of styles, it caters to diverse fashion preferences. The brand emphasizes accessibility and fast fashion, providing a dynamic shopping experience for trend-conscious individuals.

Beauty Expert

Beauty Expert is an online beauty retailer known for its curated selection of premium skincare, haircare, and cosmetics. Offering a range of high-quality products, it caters to beauty enthusiasts seeking effective and luxurious solutions for their skincare and grooming needs.

MyBag

MyBag is an online retailer specializing in designer handbags and accessories. With a curated collection of luxury brands, it offers a diverse range of stylish and high-quality bags. It caters to fashion-conscious individuals seeking premium accessories to complement their style.

Online Home Shop

The Online Home Shop is a virtual retail destination providing a diverse array of home furnishings and decor. With a wide selection of furniture, bedding, and decor items, OHS offers an accessible and convenient platform for individuals looking to enhance their living spaces.

Wilko

Wilko is a high-street retailer offering a wide variety of household goods, garden supplies, and DIY products. Known for affordability and practicality, it serves as a convenient destination for shoppers seeking quality essentials and home improvement items, with a focus on value for money.

 

Laybuy is an interesting option on this list of buy now pay later apps you can use for shopping at your favourite merchants both online and at their physical outlets.

It provides a purchasing power you can utilize to spread payments through a weekly instalment plan in a total of 6 splits.

 

Read more about Laybuy

Through the Laybuy Card, the platform lets you enjoy its services at retail locations that support payments through digital wallets.

It also provides the Boost feature which is an add-on to let you buy items that cost above your assigned purchasing limit with the extra amount added to your first instalment payment.

Splitit

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 is Accepted by

Simba Sleep

Simba is a mattress and sleep technology company. Renowned for its hybrid mattresses combining memory foam and spring technology, it focuses on delivering comfort and support. With innovative sleep solutions, it caters to individuals seeking a restful and rejuvenating night’s sleep.

Zavvi

Zavvi is an online retailer offering a diverse range of entertainment products, including DVDs, Blu-rays, video games, and merchandise. Known for its variety and exclusives, it caters to pop culture enthusiasts, providing a platform to explore and purchase a wide array of entertainment-related items.

The Hut

The Hut is an online retail platform offering a diverse selection of products, including fashion, beauty, home goods, and technology. Known for its curated range and premium brands, it provides a convenient one-stop shopping experience for customers seeking quality and style.

Oral-B

Oral-B, a leading dental care brand offers a comprehensive selection of oral hygiene products, including electric toothbrushes, replacement brush heads, and dental care accessories, ensuring customers have access to the latest innovations in dental health.

Silentnight

Silentnight is a well-established mattress and bed manufacturer. Renowned for its commitment to quality sleep, it offers a diverse range of mattresses and sleep accessories, emphasizing comfort, support, and innovative sleep solutions.

 

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. 

 

Read more about Splitit

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. 

Payl8r

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 is Accepted by

Beauty Works

Beauty Works is a prominent brand specializing in hair extensions, haircare products, and styling tools. Renowned for quality and innovation, it offers a diverse range of premium hair products, catering to individuals seeking luxurious and stylish solutions for their haircare needs.

Ramsdens

Ramsdens Jewellery is a retailer offering a diverse selection of new and pre-owned jewellery, watches, and accessories. Known for quality and value, it provides customers with stylish and affordable options for every occasion.

Open Study College

Open Study College is a distance learning provider offering a wide range of accredited courses and qualifications. With flexible study options and personalized support, it helps individuals achieve their educational and career goals remotely.

Cash Generator

Cash Generator is a retail chain offering a variety of pre-owned and new goods, including electronics, jewellery, and gaming consoles. It also provides services like pawnbroking and currency exchange, catering to customers seeking affordable products and financial solutions.

Sofa Club

Sofa Club is a contemporary furniture retailer specializing in stylish and comfortable sofas. With a focus on modern design and quality craftsmanship, the platform offers a curated selection of sofas to elevate any living space.

 

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. 

 

Read more about Payl8r

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.

Novuna

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 Accepted by

Ernest Jones

Ernest Jones is a reputable jewellery retailer offering a wide selection of high-quality diamonds, engagement rings, watches, and fine jewellery. Known for its craftsmanship and elegance, it provides customers with timeless pieces for every occasion.

eBuyer

Ebuyer is a leading online retailer specializing in electronics, computers, and technology products. With a vast selection of products and competitive prices, Ebuyer caters to individuals and businesses seeking reliable tech solutions.

Homebase

Homebase is a popular home improvement retailer offering a wide range of products for DIY projects, gardening, and home decor. With a focus on quality and affordability, Homebase provides customers with everything they need to enhance their living spaces.

Carpetright

Carpetright is a well-known retailer specializing in flooring solutions, including carpets, rugs, vinyl, and laminate flooring. Renowned for its extensive range and professional fitting services, Carpetright caters to homeowners and businesses seeking quality flooring options for every room.

Magnet

Magnet is a prominent kitchen retailer offering a wide range of kitchen designs, appliances, and accessories. Renowned for its quality craftsmanship and tailored solutions, Magnet helps customers create stylish and functional kitchens to suit their lifestyles and preferences.

 

Novuna is one of the instalment loan-based 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.

 

Read more about Novuna

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

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 Accepted by

PCSpecialist

PCSpecialist is a custom PC manufacturer offering a wide range of personalized computer systems, laptops, and gaming PCs. Known for quality components and customization options, PCSpecialist caters to individuals seeking bespoke computing solutions tailored to their needs.

Clooper

Clooper is a platform dedicated to assisting business travellers in discovering and reserving top-tier hotels and serviced apartments. By prioritizing quality accommodations, it ensures that travellers have access to comfortable and suitable lodging options during their professional journeys.

Sera Technology

Sera Technology is a leading commercial lighting supplier, offering a comprehensive selection of track lighting, linear lighting, and downlights. With a focus on efficiency and quality, they provide expedited delivery for a seamless procurement process.

Hughes Trade

It offers a wide range of products including televisions, washing machines, refrigerators, laptops, smartphones, and more for business owners.

United Baristas

United Baristas is a platform dedicated to supporting coffee professionals, offering resources, networking opportunities, and an equipment marketplace. With a focus on fostering community and providing industry insights, it serves as a valuable hub for coffee enthusiasts and professionals alike.

 

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.

 

Read more about Mondu

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

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 Accepted by

Axminster Tool

Axminster Tools & Machinery is a prominent retailer specializing in woodworking and engineering tools. Offering a comprehensive range of products and expert advice, it serves hobbyists and professionals alike, providing quality tools for various crafting and machining needs.

Gadsby

Gadsby is a well-known supplier of retail display and packaging solutions, specializing in baskets, hampers, and gift packaging. Renowned for quality craftsmanship and innovative designs, it offers retailers a wide range of stylish and practical presentation options for their products.

TopTower

TopTower is a reputable brand specializing in top-quality scaffold towers, podium steps, ladders, and other industrial access equipment. Renowned for its durability and safety features, it provides reliable solutions for various construction and maintenance projects.

ThatsMyOffice

ThatsMyOffice offers a comprehensive selection of office furniture, allowing customers to view products in 360 degrees and customize options for home and office setups. From office chairs to height-adjustable desks and storage solutions, it provides a tailored workplace solution with augmented reality capabilities.

Cost Cutters UK

Cost Cutters UK is a reputable supplier of furniture and equipment. Specializing in offering quality products at competitive prices, they provide a wide range of items to support hospitality, educational institutions, and office facilities.

 

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.

 

Read more about iwocaPay

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

Currys

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.

 

Read more about Your Plan

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

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.

 

Read more about VeryPay

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

Zilch

Credit Check

Soft

Min. Value

£10

Max. Value

£1,000


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.

 

Read more about Zilch

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

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 Accepted by

MyBones

LivMD (trading as MyBones) is a medical device designed to promote circulation and improve overall health. Utilizing innovative technology, it offers therapeutic benefits for individuals seeking relief from various circulatory issues and conditions related to poor blood flow.

Cunninghame Furniture

Cunninghame Furniture Recycling Centre (CFRC) operates as a social enterprise with charitable status. It offers a free and convenient service for individuals seeking to responsibly dispose of furniture. Additionally, CFRC serves as a valuable resource for those seeking affordable home furnishings.

MyNextBike

MyNextBike is a platform dedicated to helping individuals find their next bicycle. Whether for leisure, commuting, or sport, it offers a comprehensive selection of bikes, catering to various needs and preferences in cycling.

Locked and Secure

Locked and Secure is a security solutions provider offering a wide range of products and services to protect homes and businesses. Specializing in CCTV, alarms, and access control systems, they ensure peace of mind through comprehensive security measures.

FujiHealth

Fuji Health makes a line of exercise equipment, designed to provide users with options for cardiovascular workouts and indoor running or walking activities.

 

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.

 

Read more about PayItMonthly

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

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 Accepted by

Kwik Fit

Kwik Fit is a well-established automotive repair and servicing company. Offering a wide range of services including tyre fitting, MOT testing, and vehicle repairs, it provides convenient and reliable solutions for vehicle maintenance.

Tangelo

Tangelo Auto Centre is a service facility specializing in automotive repairs and maintenance. From routine services like oil changes and tyre rotations to more complex repairs, it offers reliable solutions to keep vehicles running smoothly.

Perrys

Perrys is a well-established automotive dealership network in the UK. Offering a wide range of new and used cars, as well as servicing and maintenance options, Perrys provides comprehensive solutions for individuals and businesses alike.

St. Leonards Motors

St. Leonards Motors is a reputable automotive dealership and service centre in the UK. Specializing in new and used car sales, as well as aftersales services such as repairs and maintenance, they offer comprehensive solutions for vehicle owners.

Lookers

Lookers is a prominent automotive retailer and aftersales service provider in the UK and Ireland. With a wide range of new and used cars for sale, as well as servicing and parts departments, Lookers offers comprehensive automotive solutions.

 

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.

 

Read more about Bumper

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

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 Accepted by

Iceland

Iceland is a popular supermarket chain specializing in frozen foods and groceries. Known for its affordable prices and extensive selection of frozen products, Iceland provides convenient and budget-friendly shopping options for customers.

Argos

Argos is a well-known retailer offering a diverse range of products, including electronics, furniture, toys, and homeware. With a unique catalogue shopping model and a nationwide network of stores, Argos provides convenient shopping solutions for customers.

Carpetright

Carpetright is a leading retailer specializing in flooring solutions, including carpets, rugs, vinyl, and laminate flooring. Renowned for its wide range of products and expert fitting services, it offers quality flooring options for homes and businesses.

ChemistDirect

ChemistDirect is a prominent online pharmacy and healthcare retailer. Offering a wide range of medicines, health products, and beauty items, ChemistDirect provides convenient access to essential healthcare products and professional advice for customers.

Habitat

Habitat is a renowned furniture and homeware retailer known for its contemporary designs and quality craftsmanship. Offering a curated selection of stylish furniture, lighting, and accessories, Habitat helps customers create modern and stylish living spaces.

 

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.

 

Read more about Fair For You

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

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 Accepted by

Fun Bikes

Fun Bikes is a leading retailer of off-road vehicles and accessories. Specializing in pit bikes, quad bikes, and mini motos, Fun Bikes offers a wide range of products for both recreational riders and professional racers.

MyProtein

MyProtein is a renowned sports nutrition brand offering a wide range of high-quality supplements, protein powders, and fitness products. With a focus on quality and affordability, it helps individuals achieve their health and fitness goals effectively.

MyBag

MyBag is an online retailer specializing in designer handbags and accessories. They offer a wide variety of brands, including Kate Spade, Michael Kors, and Coach. You can also find jewellery, sunglasses, and other fashion items on their website.

The Hut

The Hut is a leading online retailer offering a diverse range of products, including fashion, beauty, homeware, and technology. Known for its curated selection of premium brands and competitive prices, it provides customers with a convenient and enjoyable shopping experience.

Zavvi

Zavvi is an online retailer specializing in entertainment products, including DVDs, Blu-rays, video games, and merchandise. With a focus on pop culture, it offers a wide range of products and exclusive collectables for enthusiasts worldwide.

 

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.

 

Read more about Newpay

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

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.

Snap Finance is Accepted by

HoneyPot Furniture

HoneyPot Furniture is a stylish and contemporary furniture brand offering a range of modern pieces for home decor. With a focus on quality craftsmanship and sleek designs, HoneyPot Furniture provides customers with stylish and functional furniture options for every room.

Simply Baby

Simply Baby is a reputable online retailer specializing in baby products and accessories. Offering a wide range of items including clothing, bedding, toys, and nursery furniture, it provides parents with quality and affordable solutions for their babies’ needs.

Reinforced Beds

Reinforced Beds specializes in durable and robust beds designed for heavy-duty use. With a focus on strength and reliability, it offers a range of reinforced bed frames and mattresses suitable for individuals requiring extra support and durability.

Clip

Clip.shop is an e-commerce platform specializing in curated collections of trendy and stylish products. With a focus on furniture, electronics, and lifestyle items, Clip.shop offers a convenient shopping experience for customers seeking unique and fashionable products.

Funky Bunk Beds

Funky Bunk Beds offers a unique range of bunk beds designed to add style and functionality to children’s bedrooms. With innovative designs and durable construction, it provides creative sleeping solutions for kids’ rooms.

 

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.

 

Read more about Snap Finance

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

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 Accepted by

** Some merchants may represent it as Newpay, both ride on the same service.

 

LookFantastic

LookFantastic is a popular online retailer offering a wide range of beauty and skincare products. With a curated selection of premium brands and beauty essentials, LookFantastic provides customers with convenient access to the latest trends and skincare innovations.

Park Cameras

Park Cameras is a retailer specializing in photography equipment and accessories. With a comprehensive selection of cameras, lenses, tripods, and other photography gear, Park Cameras caters to both amateur and professional photographers’ needs.

DJSuperstore

DJSuperstore specialises in DJ equipment and gear. Offering a wide range of products including controllers, mixers, turntables, and accessories, it provides DJs with everything they need to create and perform music.

Ethica Diamonds

Ethica Diamonds is a reputable jewellery company specializing in ethically sourced and sustainable diamonds. With a commitment to environmentally friendly practices and fair trade, the jeweller offers a range of exquisite diamond jewellery crafted with integrity and responsibility.

Rimstyle

It is a renowned retailer specializing in alloy wheels and accessories for cars. With a wide range of styles and sizes, Rimstyle offers high-quality alloy wheels to enhance the appearance and performance of vehicles.

 

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.

 

Read more about Deko

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

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.

Payment Assist is Accepted by

National Tyre

National Tyre and Autocare is a well-established automotive service provider offering a comprehensive range of tyre-related services, including fitting, repairs, and replacements. With a commitment to quality and customer satisfaction, it provides reliable automotive solutions.

Day’s Motor

Day’s Motor Group, a trusted name in automotive retail, provides an extensive range of new and pre-owned vehicles along with comprehensive aftersales services.

Motorvogue

Motorvogue is a respected automotive dealership offering a diverse range of new and used cars, as well as servicing and maintenance options. With a focus on customer satisfaction, Motorvogue provides comprehensive automotive solutions.

The Motor Family

The Motor Family is a reputable automotive dealership group offering a wide selection of new and used cars, as well as aftersales services. With a commitment to customer satisfaction, it provides quality vehicles and professional automotive solutions.

Vospers

Vospers is a well-established automotive dealership offering a diverse range of new and used cars, as well as aftersales services. With multiple locations across the UK, Vospers provides comprehensive automotive solutions for customers.

 

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.  

 

Read more about Payment Assist

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

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.

Hokodo is Accepted by

Handy Dryers

Handy Dryers is a leading provider of high-quality hand dryers for commercial and public restroom facilities. Specializing in efficient and hygienic hand drying solutions, it offers a range of models to suit various needs and budgets.

Workplace Products

Workplace Products is a reliable supplier of industrial and commercial equipment and supplies. Specializing in workplace essentials such as storage solutions, safety equipment, and office furniture, it offers durable and practical solutions for businesses of all sizes.

Vision Linens

Vision Linens is a supplier of premium quality linens and textiles for the hospitality industry. Specializing in bedding, towels, and table linens, Vision Linens offers durable and luxurious products to enhance the guest experience in hotels and accommodations.

Gainsborough Giftware

Gainsborough Giftware is a leading supplier of wholesale gifts and home accessories. Specializing in unique and stylish products, it offers a diverse range of items including decorations, homeware, and novelty gifts, catering to retailers and businesses.

Fire Label

Fire Label is a reputable supplier of customized clothing and promotional merchandise. Specializing in screen printing and embroidery, it offers a wide range of products including t-shirts, hoodies, and caps, tailored to businesses and events.

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.

 

Read more about Hokodo

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 for financing 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.

Happiness Crew
Stay Glued!
You are the first in our research hence, we rally around doing rigorous checks, testing and analysis to help you decide on products and services. However, Meedsy is not a lender, broker, bank, financial institution, or FCA-regulated hence, providers' final views are superior to ours and seek professional advice when in doubt.
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