The Best Buy Now Pay Later Apps in 2025

Did you know that global Buy Now Pay Later (BNPL) transactions are projected to hit $565 billion in value by 2025? Consumers love the flexibility, and merchants see dramatic increases in sales and conversion. As the digital commerce landscape evolves, selecting the right BNPL app can be a game-changer for both shoppers and online stores. Here, we explore the leading BNPL apps of 2025, their advantages, and how you can use this trend to boost your business especially when paired with a trusted 3PL like ShipSquared.

What Is Buy Now Pay Later—and Why Is It Booming?

BNPL is a payment option that allows customers to purchase products and spread payments out over time (often weeks or months), usually interest-free if paid on schedule. This model attracts younger shoppers and those seeking more budget control. According to a recent McKinsey report, 60% of Gen Z and millennial consumers prefer merchants offering BNPL at checkout. Ecommerce brands offering these options report up to 35% higher average order values and lower cart abandonment rates.

Leading Buy Now Pay Later Apps in 2025

Klarna: Versatile and International

Klarna remains a global leader in 2025, offering flexible payment plans and a slick, user-friendly mobile app. Features include four interest-free payments, longer-term financing, and direct merchant integrations.

• Availability: 25+ countries, 250,000+ partner retailers

• Unique perk: Price-drop alerts and spending insights

• Good to know: Credit checks are soft, so most users are eligible

Affirm: Pay Over Time with Transparency

Affirm stands out for its transparent, no-hidden-fee approach. You can split purchases over 6, 12, or 24 months and see all terms upfront. It’s popular among merchants selling high-ticket items.

• Availability: US, Canada, and UK

• Unique perk: No late fees ever

• Ideal for: Travel, electronics, and furniture stores

Afterpay: Instant Approval, No Interest

Afterpay is best for shoppers who want quick decisions and predictable repayment. The app offers four easy, bi-weekly payments and a fast onboarding process for merchants.

• Availability: US, Australia, UK, and more

• Unique perk: In-app shopping deals and rewards

• Flexible: Great for fashion and beauty brands

Sezzle: Shopper and Merchant Friendly

Sezzle appeals to value-conscious shoppers and growing retailers, with robust fraud protection and instant approvals. Payments are split over six weeks, interest-free if paid on time.

• Availability: North America, Europe

• Unique perk: Lets merchants pay Sezzle fees for customers

• Credit builder: Sezzle Up helps shoppers improve their scores

Benefits of Buy Now Pay Later Apps

BNPL isn’t just a passing trend—it’s a win-win for shoppers and merchants alike:

• Improved Budgeting: Shoppers can manage expenses without incurring extra debt or high-interest credit.

• Higher Conversion Rates: Merchants see 20%-30% more completed checkouts when BNPL is offered at checkout.

• Larger Average Orders: With payment spread out, customers often purchase more per visit.

• Convenient Integration: Modern BNPL apps plug directly into ecommerce platforms like Shopify, WooCommerce, or Magento for easy setup.

• Credit Building: Some BNPL providers like Sezzle now report on-time payments, helping users improve their credit history.

The Future: BNPL and Seamless Fulfillment

As BNPL apps become the norm in 2025, shoppers expect a flawless post-purchase experience—including fast, reliable delivery. Top merchants pair flexible payments with rapid, trackable order fulfillment to boost repeat business. That’s why having a trusted third-party logistics (3PL) partner like ShipSquared is essential.

• Scalable Fulfillment: ShipSquared seamlessly integrates with BNPL-enabled ecommerce stores to ensure next-day shipping and real-time order tracking. Learn more about how to choose the right 3PL provider in 2025.

• Automated Operations: From pick-and-pack to returns management, ShipSquared’s tech platform keeps your customers happy and loyal. Discover the benefits of in-house vs outsourced fulfillment and decide which approach saves more for your business.

• Expert Support: Get insights on shipping optimization, inventory control, and more—freeing you to focus on growth.

Ready to Supercharge Your Sales?

Buy Now Pay Later apps are transforming how people shop—and how merchants grow. By offering flexible payments with a trusted fulfillment partner like ShipSquared, you deliver the modern, competitive experience 2025 shoppers demand. Start today and make every sale a success!

FAQs

Which Buy Now Pay Later app is easiest to use?
Klarna and Afterpay excel for speed and simplicity. Both offer instant approval and user-friendly mobile apps.

Can small ecommerce stores use BNPL services?
Absolutely. Apps like Sezzle and Affirm offer quick integrations with platforms of all sizes. Some even work for brick-and-mortar stores.

Does BNPL impact credit scores?
Most BNPL providers do soft credit checks and won’t hurt your score. Some, like Sezzle Up, report on-time payments to help you build credit.

How does ShipSquared help with BNPL sales?
ShipSquared automates your logistics and scales fulfillment, ensuring fast delivery and happy BNPL customers. Learn more about their ecommerce fulfillment solutions here.