Updated September 29, 2026 · BorrowCue Editorial Team
Top buy now, pay later compared
88 lenders, ranked on the terms we checked.
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| # | Lender | Score | Features | Key facts | Actions |
|---|---|---|---|---|---|
| 21 |  Converse Bank | 9.2/10 |
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| ReviewCompareSee alternatives |
| 22 |  Klarna 30% off Klarna Premium or Max for 3 months: 30% off for 3 months | 9.2/10 |
| ReviewCompareSee alternatives | |
| 23 |  LendMN | 9.2/10 |
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| ReviewCompareSee alternatives |
| 24 |  Perpay | 9.2/10 |
| ReviewCompareSee alternatives | |
| 25 |  maib | 9.2/10 |
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| ReviewCompareSee alternatives |
| 26 |  Maya 0% interest on 3-month Mini Payment plans: 0% interest for 3 monthly payments | 9.2/10 |
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| 27 |  Splitit | 9.2/10 |
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| 28 |  ABB Bank ABB-də Nağd Kreditə 7%-dək Endirim! (Up to 7% discount on cash loan): Up to 7% total discount on the annual interest rate (5% when closing another bank's loan plus an extra 2% for new customers with no active ABB credit) | 9.1/10 |
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| 29 | Accessifi | 9.1/10 |
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| ReviewCompareSee alternatives |
| 30 |  Credissimo First loan with 0% interest: 0% interest on a first loan of up to EUR 3,000 | 9.1/10 |
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| ReviewCompareSee alternatives |
Our top picks
8. Katapult: best for Katapult
US lease-to-own service with no credit check, usable at over 200 retailers through the Katapult app.
Top buy now, pay later compared by country
The data behind this ranking
| Metric | Value | Sample |
|---|---|---|
| Median apr | 2.1 % | 29 |
| Lower quartile apr | 0 % | 29 |
| Upper quartile apr | 26.99 % | 29 |
| Lowest apr | 0 % | 29 |
| Highest apr | 195 % | 29 |
| Median amount | 123.88 EUR | 34 |
| Lower quartile amount | 41.55 EUR | 34 |
| Upper quartile amount | 681.38 EUR | 34 |
| Lowest amount | 7.02 EUR | 34 |
| Highest amount | 22,881.1 EUR | 34 |
| Median term months | 1.5 | 13 |
| Lower quartile term months | 1 | 13 |
| Upper quartile term months | 24 | 13 |
| Lowest term months | 1 | 13 |
