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
41
PayPal US logo
PayPal US

No interest if paid in full in 6 months on all purchases of $149+ with the PayPal Credit Card: 6 months interest-free special financing on purchases of $149+

9.0/10
  • Fixed rate
APR:
0% to 35.99%
Loan amount:
$49 to $10,000
Term:
3 to 24 months
ReviewCompareSee alternatives
42
Mada BNPL logo
Mada BNPL
9.0/10
  • Fixed rate
  • Same day funding
APR:
0%
Term:
3 months
Arrangement fee:
0 JOD - our service is completely free for shoppers
ReviewCompareSee alternatives
43
Quara Finance logo
Quara Finance
9.0/10
  • Fixed rate
APR:
37.17% to 40.04%
Loan amount:
up to SAR 50,000
Term:
up to 60 months
ReviewCompareSee alternatives
44
monobank logo
monobank
9.0/10
  • Fixed rate
  • Same day funding
Loan amount:
UAH 1,000 to UAH 100,000
Term:
24 months
Arrangement fee:
1.9% per month of the initial purchase amount
ReviewCompareSee alternatives
45
NCBA Loop logo
NCBA Loop
9.0/10
  • Same day funding
Loan amount:
KES 2,000 to KES 100,000
Term:
1 month
Arrangement fee:
7% facility fee plus 20% excise duty deducted upfront; 7% one-time rollover fee if not repaid within 30 days
ReviewCompareSee alternatives
46
NewPay logo
NewPay

0% interest instalment plans

9.0/10
    APR:
    24.9%
    Loan amount:
    £100 to £4,000
    Term:
    6 to 48 months
    		ReviewCompareSee alternatives
    47
    Sympl logo
    Sympl
    		9.0/10
    • Fixed rate
    • Same day funding
    APR:
    0%
    Loan amount:
    EGP 2,000 to EGP 30,000
    Term:
    3 to 5 months
    		ReviewCompareSee alternatives
    48
    Unibank logo
    Unibank

    Loan 0%, 0%, 0%+: 0% upfront fee, 0% interest, 0% intermediary fee

    		9.0/10
      APR:
      16.61% to 19.25%
      Loan amount:
      AMD 5,000,000 to AMD 100,000,000
      Term:
      24 to 240 months
      		ReviewCompareSee alternatives
      49
      Carbon logo
      Carbon
      		8.9/10
      • Fixed rate
      • Same day funding
      APR:
      195%
      Loan amount:
      NGN 10,000 to NGN 1,000,000
      Term:
      2 to 12 months
      		ReviewCompareSee alternatives
      50
      Cashea logo
      Cashea
      		8.9/10
      • Fixed rate
      APR:
      0%
      Loan amount:
      $8 to $25
      Term:
      1.4 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.

      PayPal US

      Ready to try PayPal US?

      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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