Quick Answer
Top Klarna alternatives include: Afterpay, Affirm, CareCredit, FinanceMutual, Sezzle, Splitit, Sunbit, Denefits, Cherry Financing, PayPal Pay Monthly, Zip Co., ViaBill, Uplift, Amazon Pay Later, PerPay, and PayZen. However, they all differ in financing terms, available financing limits, and credit check requirements.
Klarna is a widely used and recognized fintech company that offers convenient short-term BNPL payment options. It lets shoppers divide their purchase into smaller installments. They offer three main payment options.
One popular choice is their “Pay-in-4” model, which breaks the payment into four equal installments to be paid off within a four- to six-week period—no interest. For those who prefer to defer their payment instead of recurring payments, Klarna provides a “Pay in 30 days” option to settle the full amount within a month. Additionally, Klarna has extended repayment schedules, giving customers the ability to spread payments for a period of up to 24 months.
From a business standpoint, offering BNPL options using Klarna’s reach and customer awareness helps attract buyers who want more manageable payment options at checkout.
However, there are also important considerations such as:
- High merchant fees can cut into the business’s profit margins.
- Limited control over customer relationships as Klarna acts as the financial intermediary.
- Competitive overlap—Klarna often markets directly to consumers, which may shift loyalty away from the merchant’s brand.
These setbacks may compel businesses to also explore alternatives to Klarna, i.e., other apps like Klarna. There are several notable BNPL financing options that can give businesses more flexibility, better cost efficiency, and ensure long-term financial sustainability. Let’s take a look at the top Klarna alternatives.
Top 16 Klarna Competitors: A Brief Overview of Apps like Klarna
| Klarna Alternatives | Key Features | Financing Limit |
| Afterpay |
|
Standard Limit: $400–$4,000 ‘Pay Monthly’ Financing Limit: up to $20,000 |
| Affirm |
|
Financing Limit: $50–$20,000 |
| FinanceMutual |
|
Standard Limit: $300–$20,000 Higher Limit: Up to $99,999 (on Max Mutual plan) |
| CareCredit |
|
Standard Financing: $200–$10,000 Higher Limit: $25,000+ (at select practices) |
| Sezzle |
|
Financing Limit: $150–$15,000 |
| Splitit |
|
Financing Limit: Depends on the available credit line and the balance on customer credit card |
| Denefits |
|
Standard Financing Limit: $300–$20,000 Higher Limit: Up to $99,999 (only available at select providers) |
| Sunbit |
|
Standard Financing: $50–$20,000 |
| Cherry Financing |
|
Standard Limit: $200–$10,000 Higher Limit: $35,000 (at some practices) |
| PayPal Pay Monthly |
|
Financing Limit: $200–$10,000 |
| Zip Co. |
|
Maximum Limit: Up to $8,000 |
| ViaBill |
|
Financing Limit:$50–$1,500 |
| Uplift |
|
Standard Financing: $100–$15,000 (higher limit up to $25,000 for some) |
| Amazon Pay Later |
|
Standard Limit: $10,000 (can be extended over time up to $15,000) |
| PerPay |
|
Standard Limit: $300–$1,500 (can be higher based on income and usage) |
| PayZen |
|
Financing Limit: up to $15,000 |
Here’s a Detailed Look at Some of the Best Companies and Sites Like Klarna in 2025
1. Afterpay
Afterpay is a popular "buy now, pay later" (BNPL) service that allows customers to split a range of service expenses into manageable installments. They offer two key types of payment options: “pay in four” interest-free installments to be paid within 4–6 weeks and monthly payment plans similar to payment apps like Klarna. Afterpay offers monthly plans for durations of 3, 6, 12, or 24 months.
For short-term interest-free plans, customers are required to pay the first installment at the time of purchase, with the remaining payments due every two weeks. However, standard interest charges may apply to monthly plans. Afterpay operates online and in-store at participating retailers and functions similarly to a short-term installment plan rather than a credit card, with a fixed spending cap of up to $4,000. Whereas on long-term plans, the maximum limit is up to $20,000.
2. Affirm
Affirm offers point-of-sale BNPL (Buy Now, Pay Later) financing options, allowing customers to make easy monthly payments while making purchases. Similar to Klarna, Affirm also offers a short-term option to “Pay-in-4” interest-free. Additionally, it offers monthly installment plans ranging from 6 weeks to 36 months, with standard interest rates applicable. It is widely used for purchases from e-commerce merchants, retailers, and many other service providers across the US, Canada, and the UK.
3. FinanceMutual
FinanceMutual is an emerging financing platform. It empowers businesses to create, manage, and enjoy complete control over payment plans directly without any hard credit checks. Similar to Klarna, FinanceMutual also requires a soft credit check, which does not impact the credit scores of applicants. Providers can tailor plan durations, set interest rates, and approve customers instantly, all while maintaining positive customer relationships and earning recurring revenue.
This BNPL option uses an AI-driven risk assessment approach to determine hyper-tailored payment plans for each customer, along with AI-suggested payment plan terms for optimum outcomes. With real-time analytics and AI-driven recommendations, businesses can make smarter financial decisions and optimize their profitability.
It integrates intelligent automation tools that streamlines financing processes, minimizes payment risks, and ensures timely, uninterrupted cash flow. FinanceMutual serves a vast range of industries, including healthcare, education, home improvement, and service-based industries, enabling businesses to deliver affordable services like Klarna to more customers. It’s not just a payment option—it’s a complete revenue-acceleration system built around business growth.
Compared to other BNPL websites like Klarna, FinanceMutual offers a higher standard financing limit, starting from $500 to $25,000. However, the Max Mutual plan enables providers to offer a higher limit up to $99,999 (at select providers only).
4. CareCredit
CareCredit is a popular and widely used BNPL payment method, especially for medical bills. With a CareCredit card, customers can split their payments into short-term 4–6 week plans similar to using payment apps like Klarna.
Or they can choose a long-term plan for their desired duration, 6, 12, 18, 24 months, up to 60 months. CareCredit offers no-interest short-term payment options, deferred interest payment plans, and no-interest monthly payment plans for a specified promotional period, i.e., 6 weeks up to 12 months or more. It can be used for a wide range of expenses, including healthcare, dental, beauty, cosmetic procedures, and more. Its maximum standard financing limit is capped at $20,000.
5. Sezzle
Sezzle is another leading name in the list of sites like Klarna. They offer short- and long-term buy now, pay later (BNPL) payment options. It allows customers to divide purchases into 4 interest-free installments or choose monthly plans for over 3 to 48 months. Similar to Klarna, Sezzle requires a soft credit check to determine eligibility.
Its Sezzle virtual card allows for quick financing options, online and in-store, or directly at checkout through the app for a range of services like Klarna in industries including retail, travel, automotive, fashion, beauty, and electronics. Customers can use Sezzle on purchases ranging from $150 to $15,000, so it can be used for anything from everyday shopping to higher dollar expenditures. Monthly plan interest rates can range from 0% to 34.99% depending on the credit eligibility of the user. However, the initial spending limit is generally lower, with a maximum limit of up to $15,000.
6. Splitit
Splitit is a technology that lets customers divide their purchases into manageable monthly installments. However, unlike traditional BNPL solutions, Splitit uses the customers’ existing credit cards to split the purchase price into installment options with durations between 3 and 24 months.
To implement Splitit for your business portal, you can choose the integration method that best suits your system, including a platform plugin, a checkout solution, or a direct API integration. Once everything is set up, you can access the Splitit Merchant Portal for managing transactions.
No new credit line is started, as Splitit simply relies on the available balance of the customer’s current card. Because of this, there are no extra credit checks or approvals needed. The option is seamlessly presented at checkout for participating merchants. Customers benefit by spreading out their payments while still enjoying the usual perks of their credit card, such as reward points.
7. Denefits
Denefits is another popular payment options solution that offers flexible buy now, pay later payment plans for a wide range of services. This platform offers seamless integration with the provider’s website and their existing system, as well as APIs to automate the financing processes. They help providers enjoy recurring revenue while taking on the collection risk. They also offer an option to providers who want to offer in-house financing without any third-party intervention, while automating the payment plan management. They offer financing options for 3 months to over 48 months with a maximum financing limit of around $20,000 or higher at select providers. They offer both low-interest and interest-free plans for a specified duration to cater to customers from all walks of life.
8. Sunbit
Sunbit has become a popular BNPL option among other apps like Klarna,
which is widely used for essential or day-to-day services. Sunbit provides convenient payment options for a range of services in healthcare, dental, veterinary, automotive, and other service-related industries. It enables customers to pay via manageable monthly payments for their purchases or services.
They generally offer payment terms between 3 months to 72 months. Approval is instantaneous, as the customer receives a decision after a soft credit check, which does not impact the customer's credit score. Interest rates may vary, with options available from 0% APR for a specified promotional term to standard interest up to 34.99%, depending on eligibility. However, Sunbit availability may depend on provider participation and locations. The maximum financing limit for Sunbit is up to $20,000, similar to various other BNPL providers.
9. Cherry Financing
Cherry Financing has gained popularity as a leading Buy Now, Pay Later (BNPL) service, particularly within the medical, dental, aesthetic, wellness, and beauty services industries. Cherry allows customers to break down the cost of their treatment or procedure into manageable payments, usually with plans between 3 to 24 months. Approvals are easy and quick in most cases, following a soft credit check. Similar to Klarna, their promotional plans may offer a 0% APR, while a standard APR is applicable for long-term plans. Though the standard financing limit is up to $10,000, however, a few providers may also offer financing options for up to $35,000 for high-ticket items at select practices. Though the financing limit for each applicant may vary based on credit eligibility.
10. PayPal Pay Later
PayPal Pay Monthly option is available at checkout on participating e-retail platforms, merchant websites, and in-store. PayPal offers 2 types of pay-later options, including Pay-in-4, an interest-free plan for purchases under $2,000. The 2nd option is for larger purchases with a financing limit from $200 up to $10,000 to be paid monthly over a set term, typically between 3 to 24 months. PayPal performs a quick credit check to determine eligibility and provides instant decisions.
11. Zip Co.
Zip Co. operates across Australia, New Zealand, and has extended its services to the U.S., becoming a key Klarna competitor. Zip payment options can be used online or in-store for purchases. It lets customers split payments into 4–8 installments with the first payment due at checkout. The remaining installments are due every two weeks. Additionally, customers can also choose long-term plans from 4 months up to 48 months. They offer different financing limits for their 3 different payment options.
- Zip Pay/Zip Pay-in-4: Available for purchases up to $1,500, with the option to pay in 4 equal installments bi-weekly.
- Zip Money: Provides credit limits up to $5,000 with an initial interest-free period of 3 months (or extended as per promotional offers), and long-term plans up to 48 months with standard interest rates.
- Zip Plus: Offers a higher credit limit from $2,000 up to $8,000. It is a digital card option, so there is no specific end date, it stays active as long as you make purchases using it and make your payments on time.
12. ViaBill
Originating from Copenhagen, Denmark, ViaBill operates across the U.S., Spain, and Norway. However, compared to other BNPL options, the financing limit is lower, i.e., $300 to $1,500 in USD (50,000 DKK). Eligibility is determined through a soft credit inquiry; no hard credit checks are necessary. With ViaBill, customers can divide their purchases into manageable, interest-free installments over 4–10 months, or up to 24 months with the ViaBill Plus plan.
Though there may not be interest charges, ViaBill requires a small monthly account fee, usually around 2% of the purchase amount. Customers can conveniently manage or adjust their payment schedules using the ViaBill app or website. They can also enable automatic deductions or make manual early repayments as per their payment preferences.
13. Uplift
Uplift offers niche buy now, pay later options for travel-related services, including bookings from travel companies, vacation packages, airline tickets, cruise tickets, and hotels. Hence, customers can pay for their travel plans in fixed monthly installments. This payment method is usually integrated with the travel agent’s website. Customers can fill out a short application form and get a quick decision if approved. The financing limit starts at $500 up to $15,000, depending on the credit requirements. Some people may also get extended financing options up to $25,000, depending on their credit, travel activity, and other qualifying factors.
14. Amazon Pay Monthly
Amazon’s pay later options include short-term payment options available to existing Amazon users to pay off their purchases at a convenient pace. They offer the pay after 30 days offer as well as the monthly payment option with set interest charges. Through the Amazon Pay Monthly, the cost of eligible items can be split into 3 to 5 interest-free installments. The financing limit starts lower but can be extended with time and by maintaining good repayment habits. The standard financing limit has a $15,000 cap. The limit can vary for each customer depending on Amazon's internal policies.
15. Perpay
Perpay offers buy now, pay later services, but with a different approach than any other BNPL model. It directly connects with the paycheck account of the customer, and when the salary gets credited, the owed amount is automatically deducted during each pay cycle (weekly, bi-weekly, or monthly) as per the agreed-upon payment schedule. Hence, it works somewhat similarly to an unsecured credit card, but it requires a direct deposit from the paycheck to cover automatic payments toward the customer’s balance. The payments are reported to the credit bureaus, which means every timely payment helps them build credit. This method is applicable wherever Mastercard payments are accepted.
16. PayZen
Among the other alternatives to Klarna, PayZen has a different approach. It is primarily a medical debt purchasing company. They also offer patient financing solutions that make it easier for patients to manage their medical bills. It is an AI-powered patient financing platform that helps providers offer personalized plans to make healthcare affordable while ensuring smoother cash flow for the practice. They pay the healthcare provider upfront and take on the complete risks of collections.
The maximum financing limit is usually under $15,000 with plans spanning anywhere from 12 months up to 60 months. The platform can integrate with the provider’s online system and can be customized with APIs made to streamline the financing process at checkout. Similar to FinanceMutual, the platform relies on AI-backed risk assessment to determine the repayment capability of the applicant, the interest rate to be applied, and other financing terms.
Final Thoughts
Integrating the right BNPL solution in 2025 goes beyond providing flexibility to customers for purchases. It helps maintain more efficient financial control for your business while empowering customers and making your services more appealing. While Klarna is a top name, there are various other BNPL platforms, each with its strengths, so understanding your target customers and their spending behavior is key to selecting the BNPL partner that maximizes your growth potential.
Companies like Klarna have set the standard, but emerging entrants like FinanceMutual are redefining and setting the bar higher. FinanceMutual comes with AI-backed risk assessment, higher financing limits, and offers more control. This combination not only enhances operational efficiency but also ensures long-term financial sustainability.
Explore how FinanceMutual can empower your business to deliver more value and stay ahead in the evolving BNPL landscape.
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FAQs
1. What Is the Difference Between Afterpay and Klarna?
Though both are popular BNPL providers, their financing options vary in many aspects, such as the following:
| Criteria | Klarna | Afterpay |
| Payment Plan Options | 3 types of plans: pay-in-4, pay-in-30 days, and long-term financing plans up to 24 months. | 2 main payment models: "pay in 4" with 4 interest-free installments every two weeks and “pay monthly” plans for up to 24 months. |
| Credit Check | A soft credit check for short-term plans, but long-term plans require a hard inquiry. | No credit check for the "pay in 4" option. A credit check may be needed for “pay monthly” or when applying for a higher financing limit |
| Interest | Interest-free for "pay in 4" and "pay in 30." Standard APR can apply to longer-term financing. | Interest-free for the "pay in 4" plan, standard APR on longer-term plans. |
| Late fees | A standard fixed fee on missed monthly payments + other fees may apply. | Up to 25% of the order value |
2. What's Better Klarna or Afterpay?
Klarna and Afterpay both offer similar BNPL options, including pay-in-4 and monthly plans, but they differ slightly in flexibility and global reach. Klarna provides additional choices like “Pay in 30 Days” option. Afterpay is more popular for smaller retail purchases and younger shoppers who prefer simple, short-term payment schedules. Whereas Klarna is a preferred choice for many customers for larger purchases. Hence, the best choice depends on your needs.
3. Klarna vs. Sezzle: Which One Is Better?
Klarna operates across the globe in 45 countries and supports higher transaction values and more flexible repayment durations. Sezzle mainly operates across the U.S. and Canada. It offers accessibility with a virtual card that works both online and in-store and has a higher approval rate for users with limited credit. Businesses looking for simplicity and speed might prefer Sezzle, while those targeting established markets and global customers may benefit more from Klarna.
4. What Are Some Other Apps Like Klarna and Afterpay?
The other popular apps like Klarna and Afterpay include Affirm, Sezzle, Zip, FinanceMutual, CareCredit, Sunbit, Denefits, Cherry Financing, PayPal Pay Monthly, ViaBill, Uplift, Amazon Pay Later, PerPay, and PayZen.
5. What to Consider When Choosing Other Apps Like Klarna and Afterpay?
When choosing to integrate a BNPL platform, it's crucial to consider the app's overall financial impact and usability. This includes merchant fees, control over payment plan terms, credit check policies, repayment options, features, and other aspects.