Updated October 9, 2026 · BorrowCue Editorial Team
Top buy now, pay later compared in the United States
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| # | Lender | Score | Features | Key facts | Actions |
|---|---|---|---|---|---|
| 1 |  SezzleTop pick Sezzle giveaways: over $150K in prizes given away, win $2,000 in Sezzle Spend | 8.7/10 |
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| ReviewCompareVisit |
| 2 | Katapult US lease-to-own service with no credit check, usable at over 200 retailers through the Katapult app. | Not rated | ReviewCompareVisit | ||
| 3 |  KiwiCredito Kiwi Pay 90-Day Interest Waiver (Interest-Free Months): All accrued interest waived if the borrower stays current and pays the balance in full within 90 days of origination | 9.3/10 |
| ReviewCompareSee alternatives | |
| 4 | Afterpay | 9.2/10 |
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| ReviewCompareSee alternatives |
| 5 |  Klarna 30% off Klarna Premium or Max for 3 months: 30% off for 3 months | 9.2/10 |
| ReviewCompareSee alternatives | |
| 6 |  Perpay | 9.2/10 |
| ReviewCompareSee alternatives | |
| 7 |  Splitit | 9.2/10 |
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| ReviewCompareSee alternatives |
| 8 |  Zip | 9.1/10 |
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| ReviewCompareSee alternatives |
| 9 |  Affirm | 9.0/10 |
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| ReviewCompareSee alternatives |
| 10 |  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 |
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| ReviewCompareSee alternatives |
Licensed in the United States
- Sezzle
- OR Division of Financial Regulation
- Sezzle
- AZ Department of Financial Institutions
- Sezzle
- CA Department of Financial Protection and Innovation
- Sezzle
- CT Department of Banking
- Sezzle
- ID Department of Finance
- Sezzle
- IA Division of Banking
- Sezzle
- KS Office of the State Bank Commissioner
- Sezzle
- MN Department of Commerce, Division of Financial Institutions
- Sezzle
- Nevada Financial Institutions Division
- Sezzle
- ND Department of Financial Institutions
- Sezzle
- OH Department of Commerce
- Sezzle
- RI Department of Business Regulation
- Sezzle
- SD Division of Banking
- Sezzle
- WY Division of Banking
- KiwiCredito
- Florida (issuer not named on the site)
- KiwiCredito
- NMLS (National Multistate Licensing System)
- KiwiCredito
- Missouri (issuer not named on the site)
- Klarna
- Department of Financial Protection and Innovation (California Financing Law)
- Splitit
- South Dakota Division of Banking (Money Lender License, NMLS ID 2314339, Splitit USA Inc.)
- Splitit
- NMLS / state financial regulators (state consumer, small loan, money lender and installment lender licences for Splitit Consumer Funding LLC)
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- Remortgage deals in the United States
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- Private student loans in the United States
- Home equity loans and HELOCs in the United States
- Home improvement loans in the United States
- Cash advance apps in the United States
- Equity release in the United States
- Debt relief in the United States