who prefer interest-free flexibility over traditional credit cards. If you’re looking to spread out the cost of a purchase without paying interest, there are several BNPL platforms offering zero-interest plans—if used wisely.
In this post, we’ll break down the top zero-interest BNPL services in 2025, what makes them different, and how you can choose the right one for your needs. These platforms let you split your payments into installments, often over 4–6 weeks, without adding any fees—as long as you pay on time.
Klarna: Stylish and Flexible Payments
Klarna is one of the most recognized BNPL services globally. It offers a zero-interest “Pay in 4” option, letting you divide your purchase into four equal payments over six weeks. There are no fees as long as you make each payment on time.
Klarna also offers a rewards program, in-app shopping, and a browser extension to help you find deals. Its sleek interface and strong brand appeal make it a favorite among fashion and beauty shoppers. To explore Klarna’s flexible plans, check their shopping and payment options.
Afterpay: Simple and Widely Accepted
Afterpay is known for its simplicity. It also offers a “Pay in 4” model with no interest and no fees unless you’re late. Afterpay has partnered with thousands of retailers, including major fashion, home, and electronics brands.
You can shop via their app or at checkout on supported websites. Late fees are capped and transparent, but it’s crucial to pay on time. Get familiar with their service by visiting Afterpay’s how-it-works page.
Affirm: Best for Larger Purchases
Affirm offers both interest-free and interest-bearing installment plans. For smaller purchases, Affirm often provides zero-interest options that allow you to pay over 4 or more installments. For larger items, interest may apply depending on your credit check.
Unlike other BNPLs, Affirm does not charge late fees, which is great for budget-conscious users. It’s commonly used for travel, fitness equipment, and home goods. To see your options, browse through Affirm’s payment breakdown tools.
PayPal Pay in 4: Reliable and Built-In
PayPal’s “Pay in 4” feature is another solid choice, especially if you’re already using PayPal. It lets you divide eligible purchases between $30 and $1,500 into four payments over six weeks, all interest-free.
The major advantage is that it’s seamlessly integrated into PayPal’s checkout system. It doesn’t affect your credit score to apply, and approval is fast. Explore the feature through PayPal’s Pay Later overview.
Zip (formerly Quadpay): Versatile and International
Zip offers a Pay-in-4 model with no interest when payments are made on time. It works with a virtual card, which lets you use the service almost anywhere Visa is accepted—even with retailers that don’t officially partner with Zip.
You can also split any online or in-store purchase through their app, making it extremely flexible. To see how it works, explore Zip’s spending guide.
Sezzle: Ideal for Younger Consumers and Credit Building
Sezzle not only offers zero-interest installment plans but also provides a unique feature: it can help you build your credit if you enroll in Sezzle Up, their credit reporting program. Payments are broken into four interest-free installments.
It’s accepted by many small and eco-conscious retailers, making it a favorite among Gen Z users. Learn more by visiting Sezzle’s plan benefits.
Apple Pay Later: Seamless for iPhone Users
Apple recently entered the BNPL space with Apple Pay Later. You can split payments into four equal parts across six weeks—interest-free. The integration is seamless within Apple Wallet, and there’s no additional app or registration required if you already use Apple Pay.
While it’s still rolling out to some users, the convenience for iPhone owners is hard to beat. You can track payments and manage them all within Wallet. Keep an eye on Apple’s Wallet updates for Apple Pay Later news.
Key Differences to Note When Choosing a BNPL Service
Even though many of these services offer similar zero-interest terms, there are a few differences to consider:
Approval requirements: Some services run soft credit checks, while others don’t check at all
Spending limits: Limits vary based on the user’s history and the retailer
Late fees: Not all platforms charge late fees, but missing payments can still affect your credit indirectly
Accepted retailers: Each BNPL provider partners with different stores
Extra features: Cashback, credit building, budgeting tools
It’s worth comparing 2–3 providers before choosing one—especially if you plan to use it often.
How to Use BNPL Services Responsibly in 2025
Zero-interest BNPL services can be a helpful way to manage your cash flow, but only when used wisely. Here are a few quick tips:
Only buy what you can afford to pay off
Set reminders to avoid missing payments
Use one platform at a time to keep track
Watch out for impulse buying
Monitor your bank account to ensure funds are available on due dates
As BNPL continues to grow in 2025, more retailers and platforms will offer creative financing solutions. But remember, even zero-interest doesn’t mean risk-free. Responsible usage is the key to making the most of these services while keeping your finances healthy.