Website: https://www.xaigate.com/apps-like-klarna-buy-now-pay-later-alternatives/. Apps Like Klarna: Best Buy Now Pay Later Alternatives in 2025 The “Buy Now, Pay Later” (BNPL) model has changed how people shop online. Instead of paying the full price upfront, consumers can split payments into smaller installments—often without interest. Klarna has become one of the most popular names in this space, serving more than 150 million active users across 45 countries.