You need the product you need, but you can’t afford it right away? If this is the case, applications such as Klarna are a universal solution to all your problems. We are all already obsessed with online shopping. Today, the combination of an endless online marketplace and installment payment is so attractive.
Applications that buy now and pay later have reached millions of users, which clearly shows that they have become increasingly popular over the years. Instead of changing your monthly spending cycle, choose these applications to pay for what you need gradually. We’ve looked at applications like Klarna that will help you get the products of your dreams almost instantly.
1. Recognize
Confirm it’s an excellent alternative to Clarna. It allows you to make small and large purchases without too much hassle. All the terms and conditions of the Affirmer are incredibly simple. Moreover, there are no hidden charges or penalties for advance payments, which is a fairly unique feature.
Just create an application account and start looking for what you need. To become an Affiliate user, you must have a positive credit rating. Your purchase will only be approved if there is a discount voucher for your loan.
2. Discussion wire
Sezzle is one of the highest quality customers who are paying now for future applications. It connects you to thousands of suppliers serving different industries. With Sezzle you can pay your purchase in four installments. Your payment is scheduled every two weeks.
The trick of this application is that no interest is charged. In case of an emergency, the user can postpone the payment date, which is also free of charge! It also has no effect on your creditworthiness.
3. After payment
Afterpay is one of the best apps like Clarna. Buyers only have to pay for their purchases and late fees if part of the payment is not made. Log in with some personal information and you can go. Users must link their debit or credit cards before they can choose a payment option such as Afterpay.
Because the approval process is quite simple, you can make a purchase right away without having to wait too long. The first instalment must be paid at the beginning, the other three instalments are paid every two weeks.
4. Quadpai
Quadpai is another application that fulfils its role very well. It does not impose strict conditions on users. The approval process is incredibly simple, because you only have to answer a few questions. Once your purchase has been approved, your contributions are automatically deducted from your card.
Users can pay without penalty in advance. In addition, 25% of the total amount must be paid in advance. The other three are scheduled for the next six weeks.
5. Grinsky
Among other things, Grinsky helps its clients with the financing of house repairs. Unlike other applications, Greensky has a strict procedure for working with applications. The application has more than 15,000 suppliers, so you can choose the service you want.
However, only large purchases can be made, which have to be paid for between 6 and 24 months, depending on the application. In addition, Greensky carries out a strict credit check, which can affect your creditworthiness. Greenski is also one of the major applications such as Klarna.
6. Note
ViaBill is an excellent alternative to Clarna. With this application customers can now update their shopping cart. It provides a simple process for users to follow. Create your account by filling in the necessary information and voilà, everything is ready!
ViaBill does not perform credit checks. For other requests you can pay 4 times the amount. The first instalment shall be paid at the time of discharge. Plus, you don’t have to worry about commissions or interest.
7. PayPal Balance
PayPal Credit offers several viable features that attract customers. First of all, users do not have to pay an annual fee as with other applications, which is a waste of money. You can pay on different websites with PayPal credit without having to log in and log in again.
The one-touch feature will enhance your shopping experience. Other aspects such as purchase protection and the return of goods continue to impress users. Beware of interest rates, as these can sometimes be unpleasant.
8. Zebit
Zebit is another application in our list of applications, such as Klarna, which allows you to buy goods without interest. This application has made it particularly easy to buy technology for a fee. Users have 6 months to pay their costs.
Zebit offers a line of credit up to USD 2,500. In addition, the limit can be increased if you have a good payment history. The strength of this application is the ability not to influence the credit rating.
9. Rate of duty
Perpai is another alternative to Clarna. The registration process is child’s play. Users only need to answer a few basic questions that determine their spending limits. You can buy products from $500 to $2,500.
Since the market on this platform is huge, customers can easily select the products they want. If you use Perpay regularly and you also have a good payroll, your spending limit may increase.
10. Divided
Split seems more convenient for customers because they do not have to apply for a credit line. If you have your own debit, master or credit card, you can use these cards to make payments.
When you leave the website, simply select Splitit as your payment method. Each month your contribution will be automatically deducted from your card. There are no additional costs such as annual fees, interest or registration, which makes it even better.
Conclusion
So it was kind of a Clarna-style candidacy. The Buy Now and Pay Later applications have solved many financial problems for those who don’t have savings, are in debt or simply can’t afford something.
Before applying, you should carefully read all the terms and conditions. Track applications that have no or very low interest rates.
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