Updated October 9, 2026 · BorrowCue Editorial Team

Top buy now, pay later compared in the United Kingdom

9 lenders available in the United Kingdom, ranked for the United Kingdom.

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Top buy now, pay later compared in the United Kingdom
#	Lender	Score	Features	Key facts	Actions
1	AfterpayTop pick	9.2/10	Fixed rate Same day funding	APR: 0% Loan amount: from A$600 Term: 1.5 months	Review Compare See alternatives
2	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
3	Splitit	9.2/10	Fixed rate Same day funding	APR: 0% Loan amount: $50 Arrangement fee: 0 USD	Review Compare See alternatives
4	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
5	NewPay 0% interest instalment plans	9.0/10		APR: 24.9% Loan amount: £100 to £4,000 Term: 6 to 48 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	Colendi	8.1/10	Same day funding	Term: 1 month Arrangement fee: 0 - no application fee Credit check: None	Review Compare See alternatives
8	TSB First time buyer cashback: GBP 500 cashback on completion, plus GBP 250 extra for an EPC rating of A or B, up to GBP 750 in total	Not rated	Same day funding	APR: 6.4% Loan amount: £300 to £50,000 Term: 3 to 84 months	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