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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Top buy now, pay later compared
#LenderScoreFeaturesKey factsActions
31
PrivatBank logo
PrivatBank

EnerhoGrant (ЕнергоГрант) cashback on energy equipment loans: Cashback up to 25% of the loan amount in euros

9.1/10
  • Fixed rate
  • Same day funding
APR:
40.48%
Loan amount:
UAH 500,000
Term:
10 to 60 months
ReviewCompareSee alternatives
32
Zip logo
Zip
9.1/10
  • Fixed rate
  • Same day funding
APR:
34.75% to 35.7%
Arrangement fee:
$0-$124 based on payment plan and loan amount
Credit check:
Hard
ReviewCompareSee alternatives
33
Abhi logo
Abhi
9.0/10
  • Same day funding
APR:
0%
Term:
1 to 4 months
Arrangement fee:
0 PKR subscription fee; PKR 150 collection agency fee
ReviewCompareSee alternatives
34
Affirm logo
Affirm
9.0/10
  • Fixed rate
APR:
0% to 36%
Loan amount:
up to $25,000
Term:
1 to 60 months
ReviewCompareSee alternatives
35
Alma logo
Alma
9.0/10
  • Same day funding
Loan amount:
€50 to €2,000
Term:
2 to 4 months
Arrangement fee:
0 EUR
ReviewCompareSee alternatives
36
Bank Eskhata logo
Bank Eskhata

Mortgage rate reduced to 16% p.a. for the 35th anniversary of Tajikistan's independence: 16% p.a., up to 500,000 somoni, up to 10 years

9.0/10
  • Fixed rate
  • Same day funding
APR:
29%
Loan amount:
TJS 100 to TJS 10,000
Term:
1 to 24 months
ReviewCompareSee alternatives
37
Inecobank logo
Inecobank
9.0/10
  • Same day funding
APR:
13.8% to 23.69%
Loan amount:
up to AMD 18,000,000
Funding time:
within a few minutes (1 CLICK online loan, 24/7)
ReviewCompareSee alternatives
38
Fawry logo
Fawry
9.0/10
    APR:
    0%
    Term:
    1 to 18 months
    Arrangement fee:
    purchase fees applied, deducted from myfawry yellowcard balance
    		ReviewCompareSee alternatives
    39
    Oschadbank logo
    Oschadbank

    Cash loan interest rate reduction for proof of intended use: Rate reduced from 56% to 21% per annum

    		9.0/10
    • Fixed rate
    APR:
    42.56% to 63.57%
    Loan amount:
    UAH 10,000 to UAH 500,000
    Term:
    12 to 60 months
    		ReviewCompareSee alternatives
    40
    PayLater Qatar logo
    PayLater Qatar
    		9.0/10
    • Fixed rate
    APR:
    0%
    Loan amount:
    QAR 300 to QAR 25,000
    Term:
    2 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.

    PrivatBank

    Ready to try PrivatBank?

    Ranked #1 of 10.

    See alternatives

    Top buy now, pay later compared by country

    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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