Commissions do not affect our editors' opinions or evaluations. Buy now, pay later (BNPL) apps can help consumers finance everyday purchases like clothing, gifts and home decor without extensive ...

Rebecca is a freelance contributor to Newsweek’s personal finance team. A certified student loan counselor, she has written extensively on student loan debt and higher education. Rebecca has ...

Klarna is one of the most well-known BNPL services, and is is widely accepted across major UK retailers, making it a flexible ...

Pay Later (BNPL) services offer a flexible way to make purchases by allowing payments in instalments, often with no interest.

With so many buy now, pay later options available to consumers ... Consumers will receive a single-use virtual card through the website or the app to pay for their purchases wherever they want.

But just which BNPL apps are services rank among the best available ... pay in four instalments over six weeks (interest-free) or pay now and earn rewards, offering cashback-like benefits.