Updated October 9, 2026 · BorrowCue Editorial Team

Top buy now, pay later compared in Canada

9 lenders available in Canada, ranked for Canada.

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Top buy now, pay later compared in Canada
#	Lender	Score	Features	Key facts	Actions
1	KOHOTop pick 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	Review Compare Visit
2	Afterpay	9.2/10	Fixed rate Same day funding	APR: 0% Loan amount: from A$600 Term: 1.5 months	Review Compare See alternatives
3	Klarna 30% off Klarna Premium or Max for 3 months: 30% off for 3 months	9.2/10		APR: 0% to 35.99% Term: 3 to 24 months Credit check: Soft prequal	Review Compare See alternatives
4	Splitit	9.2/10	Fixed rate Same day funding	APR: 0% Loan amount: $50 Arrangement fee: 0 USD	Review Compare See alternatives
5	Affirm	9.0/10	Fixed rate	APR: 0% to 36% Loan amount: up to $25,000 Term: 1 to 60 months	Review Compare See alternatives
6	Giraffy	8.8/10	Fixed rate	APR: 7% to 35% Loan amount: $2,000 to $50,000 Term: 24 to 84 months	Review Compare See alternatives
7	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	Review Compare See alternatives
8	Colendi	8.1/10	Same day funding	Term: 1 month Arrangement fee: 0 - no application fee Credit check: None	Review Compare See alternatives
9	Katapult US lease-to-own service with no credit check, usable at over 200 retailers through the Katapult app.	Not rated			Review Compare See alternatives

KOHO

Top pick for Canada

8.6/10Visit