Updated October 9, 2026 · BorrowCue Editorial Team
Top buy now, pay later compared in Japan
5 lenders available in Japan, ranked for Japan.
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| # | Lender | Score | Features | Key facts | Actions |
|---|---|---|---|---|---|
| 1 |  KlarnaTop pick 30% off Klarna Premium or Max for 3 months: 30% off for 3 months | 9.2/10 |
| ReviewCompareSee alternatives | |
| 2 |  Splitit | 9.2/10 |
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| ReviewCompareSee alternatives |
| 3 |  Giraffy | 8.8/10 |
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| ReviewCompareSee alternatives |
| 4 |  Colendi | 8.1/10 |
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| ReviewCompareSee alternatives |
| 5 | Katapult US lease-to-own service with no credit check, usable at over 200 retailers through the Katapult app. | Not rated | ReviewCompareSee alternatives |
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- Personal loans in Japan
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