Best buy now, pay later & instalments 2026

Compare 10 buy now, pay later & instalments: advertised nominal rate vs real example APR, total cost of credit and distance from the usury threshold. Updated 2026.

• PayPal — Paga in 3 rate ★ 3.4 Example APR: 0% APR
• Satispay — Paga in 3 ★ 3.3 Example APR: 0% APR
• Cofidis PagoDIL — Paga a Rate ★ 3.2 Example APR: 0% APR
• Scalapay — Paga a Rate ★ 3.2 Example APR: 0% APR
• Soisy — Paga a Rate ★ 3.2 Example APR: 7.19%
• Alma — Paga a Rate ★ 3.1 Example APR: 0% APR
• Clearpay — Paga in 4 ★ 3.0 Example APR: 0% APR
• Klarna — Paga in 3 ★ 3.0 Example APR: 0% APR
• Amazon "Paga a rate" (Cofidis CreditLine) ★ 2.8 Example APR: 19.26%
• PayPal — Rate (6/12/24 mesi) ★ 2.8 Example APR: 9.99%