Buy Now, Pay Later (BNPL) services have revolutionized shopping by allowing consumers to split their purchases into interest-free or low-interest installment plans without the need for a traditional credit card. This payment model has gained massive popularity, especially among younger shoppers and those looking to avoid credit card debt.
In this guide, we’ll explore the best BNPL apps available for shopping without a credit card.
Best BNPL Apps for Shopping Without Credit Cards
Here are some of the top BNPL apps that allow you to shop and split payments without requiring a credit card:
Features:
Best For: Large purchases and flexible repayment terms
Where You Can Use It: Amazon, Walmart, Peloton, and more
Interest Rate: 0% - 30% APR, depending on eligibility
Features:
Best For: Everyday shopping and fashion retailers
Where You Can Use It: H&M, Sephora, Macy’s, and more
Interest Rate: 0% for Pay in 4; interest may apply for extended financing
Features:
Best For: Consumers who want to avoid credit checks
Where You Can Use It: Adidas, Ulta Beauty, Target, and more
Interest Rate: 0% interest, but late fees apply
Features:
Best For: Shoppers who want maximum flexibility
Where You Can Use It: Amazon, Apple, Walmart, and more
Interest Rate: 0% interest, but transaction fees apply
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Features:
Best For: Consumers who want to build credit while using BNPL
Where You Can Use It: Shopify stores, Target, and many online retailers
Interest Rate: 0% for Pay in 4; fees may apply for payment rescheduling
| BNPL App | Interest Rate | Credit Check Required | Best For |
|---|---|---|---|
| Affirm | 0%-30% APR | Soft check only | Large purchases |
| Klarna | 0% on Pay in 4 | No for Pay in 4, yes for financing | Everyday shopping |
| Afterpay | 0% interest | No | No credit check users |
| Zip | 0% interest | No | Maximum flexibility |
| Sezzle | 0% on Pay in 4 | Yes (reports to credit bureaus) | Building credit |
In Nigeria, several BNPL platforms offer flexible payment options for consumers. Here are some notable ones:
Features:
Enables installment payments for various products
Works with online and offline merchants
Offers up to six months of repayment plans
Where You Can Use It: Multiple retail stores, electronics, and travel bookings
Features:
Partners with Jumia Nigeria for BNPL services
Allows installment payments for smartphones and electronics
Where You Can Use It: Jumia, mobile phone retailers
Features:
Offers flexible repayment terms
Works with various merchants
Where You Can Use It: Electronics, household appliances, and more
Features:
BNPL solution for various purchases
Monthly installment payments
Where You Can Use It: Electronics, home appliances, and personal shopping
Features:
Interest-free installment payments
Allows users to pay for gadgets, appliances, and cars over time
Where You Can Use It: Multiple retail categories
| Nigerian BNPL Platform | Key Features | Where You Can Use It |
| CredPal | Flexible installment plans | Retail stores, travel, electronics |
| Easybuy | Jumia partnership for BNPL | Jumia, phone retailers |
| VeendHQ | Flexible repayment | Electronics, household items |
| Credit Direct | Monthly installment BNPL | Electronics, home appliances |
| CDcare | Interest-free installments | Gadgets, appliances, cars |