Updated October 9, 2026 · BorrowCue Editorial Team

Top buy now, pay later compared

88 lenders, ranked on the terms we checked.

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Top buy now, pay later compared
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1
Oney Préstamos ES logo
Oney Préstamos ESTop pick

5 EUR cheque per 250 EUR of purchases with the VISA Club Leroy Merlin card: 5 EUR per 250 EUR spent

8.8/10
    Loan amount:
    €1,000 to €45,000
    Arrangement fee:
    3% of financed capital (apertura)
    Credit check:
    Hard
    		ReviewCompareVisit
    2
    Solcredito MX logo
    Solcredito MX

    First loan from 0% interest: 0% interest on the first loan

    		8.7/10
    • Fixed rate
    • Same day funding
    APR:
    9.5% to 3,696%
    Loan amount:
    up to MX$100,000
    Term:
    3 to 48 months
    		ReviewCompareVisit
    3
    Kviku logo
    Kviku
    		8.9/10
      Loan amount:
      up to €2,000
      Term:
      2 to 12 months
      Funding time:
      instant
      		ReviewCompareVisit
      4
      Kredivo logo
      Kredivo

      Triple 0: 0% installments for 12 months on iPhone 15, iPhone 16 and Macbook, plus 2 months free: 0% installment interest, 0% admin fee, 0% down payment, 2 months free; 6% admin fee per transaction on the 2-months-free part

      		9.3/10
      • Fixed rate
      • Same day funding
      APR:
      0% to 41.51%
      Loan amount:
      IDR 1,000,000 to IDR 50,000,000
      Term:
      1 to 24 months
      		ReviewCompareVisit
      5
      Sezzle logo
      Sezzle

      Sezzle giveaways: over $150K in prizes given away, win $2,000 in Sezzle Spend

      		8.7/10
      • Fixed rate
      APR:
      45%
      Loan amount:
      from $20
      Term:
      1.5 months
      		ReviewCompareVisit
      6
      KOHO logo
      KOHO

      30-day free trial on every KOHO plan: 30 days free

      		8.6/10
      • Same day funding
      APR:
      19.9% to 34.9%
      Loan amount:
      CA$1,000 to CA$15,000
      Credit check:
      Soft prequal
      		ReviewCompareVisit
      7
      Moneyveo VN logo
      Moneyveo VN
      		8.5/10
      • Fixed rate
      • Same day funding
      APR:
      18.25%
      Loan amount:
      ₫500,000 to ₫30,000,000
      Term:
      62 to 180 months
      		ReviewCompareVisit
      8
      Katapult

      US lease-to-own service with no credit check, usable at over 200 retailers through the Katapult app.

      		Not rated
        		ReviewCompareVisit
        9
        Timo by BVBank logo
        Timo by BVBank

        New-customer savings offer when shopping with 7-Eleven: VND 100,000 for new customers

        		9.6/10
        • Fixed rate
        APR:
        2.1%
        Loan amount:
        up to ₫50,000,000
        Arrangement fee:
        Kredivo platform fee charged once per loan, varies by loan term (VND 21,000 on a VND 700,000 loan)
        		ReviewCompareSee alternatives
        10
        Tamara logo
        Tamara

        Tamara Smart free first month: Free for the first month, then 19 SAR monthly

        		9.4/10
          APR:
          0%
          Loan amount:
          up to SAR 50,000
          Term:
          3 to 24 months
          		ReviewCompareSee alternatives
          11
          ACLEDA Bank logo
          ACLEDA Bank
          		9.3/10
          • Fixed rate
          • Same day funding
          APR:
          9% to 18%
          Loan amount:
          KHR 400,000,000
          Term:
          120 months
          		ReviewCompareSee alternatives
          12
          Addi logo
          Addi

          Minuto Ganador 2026: Bonus worth 100% of your purchase

          		9.3/10
          • Fixed rate
          APR:
          0% to 29.14%
          Term:
          1 to 6 months
          Arrangement fee:
          0 COP (no handling fee)
          		ReviewCompareSee alternatives
          13
          Cofidis FR logo
          Cofidis FR

          Decouvrez l'offre Monabanq !: Up to 280 EUR

          		9.3/10
          • Fixed rate
          APR:
          5.43% to 8.54%
          Loan amount:
          €500 to €35,000
          Term:
          12 to 84 months
          		ReviewCompareSee alternatives
          14
          Deema logo
          Deema
          		9.3/10
            APR:
            0%
            Term:
            3 to 4 months
            Arrangement fee:
            0 KWD
            		ReviewCompareSee alternatives
            15
            KiwiCredito logo
            KiwiCredito

            Kiwi Pay 90-Day Interest Waiver (Interest-Free Months): All accrued interest waived if the borrower stays current and pays the balance in full within 90 days of origination

            		9.3/10
              APR:
              0% to 35%
              Loan amount:
              $150 to $3,000
              Term:
              4 to 24 months
              		ReviewCompareSee alternatives
              16
              Evocabank logo
              Evocabank

              15% cashback from Rien-a-Porter when paying with Evoca cards

              		9.3/10
              • Fixed rate
              APR:
              20.77% to 23.17%
              Loan amount:
              AMD 1,000,000 to AMD 10,000,000
              Term:
              36 to 60 months
              		ReviewCompareSee alternatives
              17
              ForteBank logo
              ForteBank
              		9.3/10
                APR:
                KZT 18.70 to KZT 46
                Loan amount:
                KZT 50,000 to KZT 9,500,000
                Term:
                6 to 60 months
                		ReviewCompareSee alternatives
                18
                Tabby logo
                Tabby

                Early Cash 3% cashback

                		9.3/10
                • Fixed rate
                APR:
                0%
                Loan amount:
                from AED 100
                Term:
                4 to 12 months
                		ReviewCompareSee alternatives

                Our top picks

                1. 8. Katapult: best for Katapult

                  US lease-to-own service with no credit check, usable at over 200 retailers through the Katapult app.

                Oney Préstamos ES

                Ready to try Oney Préstamos ES?

                Ranked #1 of 10.

                Visit

                Top buy now, pay later compared by country

                Lenders compared head to head

                The data behind this ranking

                MetricValueSample
                Median apr2.1 %29
                Lower quartile apr0 %29
                Upper quartile apr26.99 %29
                Lowest apr0 %29
                Highest apr195 %29
                Median amount123.88 EUR34
                Lower quartile amount41.55 EUR34
                Upper quartile amount681.38 EUR34
                Lowest amount7.02 EUR34
                Highest amount22,881.1 EUR34
                Median term months1.513
                Lower quartile term months113
                Upper quartile term months2413
                Lowest term months113

                All data and the CSV

                Oney Préstamos ES

                Oney Préstamos ES

                #1 in Top buy now, pay later compared

                8.8/10Visit

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