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
61
Mercado Pago Chile logo
Mercado Pago Chile
8.8/10
  • Fixed rate
Loan amount:
CLP 5,000,000 to CLP 75,000,000
Term:
1 to 18 months
Funding time:
Money is deposited into your Mercado Pago account once you accept the credit
ReviewCompareSee alternatives
62
O! logo
O!

Business loans: interest rate reduced: Reduced interest rate on business loans

8.8/10
  • Same day funding
APR:
30.67%
Loan amount:
KGS 15,000 to KGS 200,000
Term:
3 to 24 months
ReviewCompareSee alternatives
63
Sunbit logo
Sunbit

True 0% APR promotional plan: 0% APR for the promotional term, no fees, penalty interest or penalty APR

8.8/10
  • Fixed rate
APR:
0% to 35.99%
Loan amount:
$50 to $20,000
Term:
3 to 72 months
ReviewCompareSee alternatives
64
Digaf MFI logo
Digaf MFI
8.7/10
  • Fixed rate
  • Same day funding
Loan amount:
ETB 500 to ETB 10,000
Term:
1 month
Arrangement fee:
75-575 ETB service charge, tiered by loan amount
ReviewCompareSee alternatives
65
GoTyme logo
GoTyme
8.7/10
  • Same day funding
Loan amount:
from ₱1,500
Term:
3 to 11 months
Funding time:
Instant cash on credit limit (MoreTyme Get Cash, early access)
ReviewCompareSee alternatives
66
O!Bank logo
O!Bank

Installment plan on O!Market: 0% interest and no fees

8.7/10
  • Fixed rate
  • Same day funding
APR:
30.67%
Loan amount:
KGS 15,000 to KGS 200,000
Term:
3 to 24 months
ReviewCompareSee alternatives
67
ONE App logo
ONE App

OnePay Wallet welcome bonus: $10 cash back when you spend $10 or more in-store at Walmart or on Walmart.com

8.7/10
  • Fixed rate
APR:
9.99% to 35.99%
Loan amount:
$25 to $6,000
Term:
3 to 36 months
ReviewCompareSee alternatives
68
Weaver Fintech logo
Weaver Fintech
8.7/10
    APR:
    28.25%
    Loan amount:
    ZAR 500 to ZAR 25,000
    Term:
    6 to 24 months
    		ReviewCompareSee alternatives
    69
    Fibe logo
    Fibe
    		8.6/10
    • Fixed rate
    • Same day funding
    APR:
    18%
    Loan amount:
    ₹50,000 to ₹1,000,000
    Term:
    6 to 36 months
    		ReviewCompareSee alternatives
    70
    Foneloan logo
    Foneloan
    		8.6/10
    • Same day funding
    Loan amount:
    NPR 500 to NPR 100,000
    Term:
    1 to 30 months
    Credit check:
    None
    		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.

    Mercado Pago Chile

    Ready to try Mercado Pago Chile?

    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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