8 Best Apps Like Klarna & Klarna Alternatives in 2022

Klarna is a payment service that allows you to pay for goods and services online. It’s very popular in Europe and has been expanding into the United States. Klarna’s approach to payments is different from many other payment processors because it doesn’t require a credit check and it offers flexible financing options for consumers. If you’re looking for an alternative to Klarna, here are eight of our favorite apps like Klarna that offer similar features:

1. Affirm

Affirm is an online lending company that offers installment loans for consumers with good credit scores. You can apply for a loan from $100 to $10,000 and pay back your purchase in monthly payments. Depending on the type of loan you choose, you’ll pay between 6% and 35% APR (Annual Percentage Rate). You can also check out our article on companies like affirm.

2. Zip

Previously known as Quadpay, Zip is a payment service that allows users to split the cost of an item with their friends. You can pay for items in installments, which means if you’re buying something expensive and want to spread out your payments, Zip may be able to help.

Zip is available in Australia, New Zealand, and the UK (but not the US).

3. Laybuy

The Laybuy app is a payment method that allows consumers to make purchases online and pay for them in installments. It’s a flexible payment method, allowing users to pay for their goods over a set period of time. This means that you can buy an item now, but pay for it later as you have the money available.

The Laybuy app is also a New Zealand-based company, which means that if you’re an Aussie looking for an alternative to Klarna or PayPal, this may be your next stop!

4. Afterpay

Afterpay is a service that allows you to pay for your purchases over time. The amount you can spend on an item will be divided into four equal payments, with the first one due at the time of purchase and each subsequent payment being made when the previous one has been paid off. To use Afterpay, simply click the button that says “Pay Later” during checkout and choose how much money you want to add (it can be all or part of your order). You’ll receive a text message when it’s time for your next payment.

While Afterpay is a great way to manage spending by making small payments over time, there are some important things to keep in mind before using it:

Fees vary depending on which card type is used; however, fees from 2% – 6% are typical. These fees are charged at checkout rather than in monthly installments like Klarna.

5. Splitit

Another option is Splitit, a UK-based app that allows you to split the cost of your online purchases with friends and family. Once you’ve created a Splitit account, you can use it to make payments on websites like ASOS and Topshop. The best part? It’s free to use! You won’t even have to pay any fees or processing charges if you’re using Splitit for an item that costs less than $50 USD (or £35). That’s right: no more paying extra just because your friend got their panties in a twist about who pays for dinner last time.

6. Paypal

PayPal is a global online payment system that enables you to send and receive money online. You can use it to pay for purchases on websites and mobile apps, as well as in stores with PayPal POS (point of sale).

PayPal is one of the most popular ways to pay for things online because it’s fast, easy, and secure. You can also send money directly from your bank account or debit card without having to link either one with PayPal.

7. Amazon Pay Later

The Amazon Pay Later feature is a payment option for Amazon customers who opt to pay later when buying products from the online store.

Amazon Pay Later works in much the same way as Klarna does, but with some important differences. For example, you do not have any interest or fees when using Amazon Pay Later. Instead, you can choose to pay off your purchase at any time (within 60 days) and only be charged for what you’ve used up until then.

8. Sift

Sift is a payment app that lets you pay for goods and services in installments. You can pay for goods and services up to £500 in installments, or up to £20 per month. You can also pay for goods and services up to £500 per year through Sift.


As you can see, there are many apps out there that offer a similar service to Klarna. If you have been using this app and have been looking for something else, then these should definitely be on your list of alternatives.

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