![]() ![]() You pay the first installment at checkout, and the rest later, interest-free. ViaBill. You choose it at checkout, create an account and pay in four installments.If you are late with a payment, you'll be charged a late fee, though the website’s copy is unclear about how much that will be. Sezzle. You pay about 25% of the total cost when you make your purchase – and like most of these services, you'll make three more payments every two weeks.So how does it make money? Well, it does charge interest on what you buy – but it'll tell you how much in interest you'll pay up front. Affirm. This service doesn't charge late fees (or any fees) but points out that no payment or an underpayment could hurt your credit.As the Zip website says, “Depending on the merchant and total cost of the order, this fee may be greater.” Zip has become quite the player in the BNPL arena you can now buy now pay later from Amazon, using Zip. So aside from the late fees that you hopefully will never pay, you will likely pay an extra $4 in fees and possibly more. There’s also a $1 platform fee, per order when you pay through Zip Checkout. You could get more than one late fee if you continue to be late with a payment. Zip (formerly: Quadpay). Late fees are $5, $7 or $10 depending on your state.And note the "up to." You might pay a much smaller late fee. Klarna. Late fees can be up to $7 per missed month, but your late fee won't exceed what the minimum payment is due.The fee amount varies depending on how much the purchase was, but the amount of late fees will never be more than 25% of the initial order. If the payment isn't made by then, you'll be charged a late fee. Afterpay. There is a grace period for late payments (usually 10 days it'll be on your payment schedule).territories or Missouri, Nevada, New Mexico, North Dakota or Wisconsin.) ![]() (Worth noting: Pay in 4 is not currently available if you live in the U.S. There's no interest and this has no impact on your credit score, provided, of course, that you don't close your bank account and skip town. If you choose "Pay in 4," you'll make a payment every two weeks. So if you're at the Home Depot website, for instance, and you see that you can pay with PayPal, you click on that, and then you'll be given a chance to click on a "pay later" button. If you're buying something through PayPal, and it's between the price of $30 and $1,500, the website will allow you to choose "Pay in 4" at millions of online stores. ![]()
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