Smartphones and laptops are essential devices for both personal and professional use. However, high prices can make it difficult to afford the latest gadgets in one payment. Buy Now, Pay Later (BNPL) services provide a flexible and affordable solution, allowing consumers to purchase smartphones and laptops instantly and pay in installments over time.
With many BNPL providers offering interest-free payments, low fees, and flexible terms, choosing the right service can save you money and improve your financial flexibility. In this guide, we explore the best Buy Now, Pay Later options for purchasing smartphones and laptops in 2025, along with their features, terms, and benefits.
Key Factors to Consider When Choosing a BNPL Service
Before selecting a BNPL service, consider the following:
1. Interest Rates & Fees
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Many providers offer 0% interest if you pay within the promotional period.
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Some charge high-interest rates for longer payment terms or late payments.
2. Installment Plans & Flexibility
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Plans typically range from 4-week installments to 24 months.
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Some services allow early repayment without penalties.
3. Approval Process & Credit Check
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Some BNPL services don’t require a credit check, while others may check your score.
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If you have a low credit score, look for services that approve all credit types.
4. Retailer Availability
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Some BNPL options only work with specific stores, while others can be used anywhere.
5. Late Fees & Penalties
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Avoid services with high late payment fees to prevent extra charges.
Best ‘Buy Now, Pay Later’ Options for Smartphones and Laptops
1. Affirm – Best for Flexible Payment Plans
✅ How It Works:
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Choose Affirm at checkout at partner retailers like Apple, Best Buy, Amazon, and Walmart.
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Pay over 3, 6, 12, or 24 months.
💰 Interest Rate: 0% - 36% APR
📅 Payment Terms: 3 - 24 months
📈 Credit Check: Yes (soft check)
🚀 Where to Use It: Apple, Best Buy, Walmart, Dell, HP
⭐ Why Choose Affirm?
✔️ Available at top electronics retailers.
✔️ Some purchases qualify for 0% interest.
✔️ No late fees.
❌ Downside:
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Interest rates can be high (up to 36%) if you don’t qualify for 0% APR.
2. Klarna – Best for Interest-Free Short-Term Payments
✅ How It Works:
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Use Klarna at checkout or in the Klarna app for Apple, Dell, Lenovo, Amazon, and Walmart.
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Pay in 4 interest-free installments or choose longer financing plans.
💰 Interest Rate: 0% (for 4 payments) or up to 29.99% APR (for financing)
📅 Payment Terms: 4 weeks (0% APR) or up to 36 months (financing)
📈 Credit Check: No for Pay in 4; Yes for financing
🚀 Where to Use It: Apple, Lenovo, Dell, Amazon, Walmart
⭐ Why Choose Klarna?
✔️ Pay in 4 with no interest.
✔️ Available at major tech retailers.
✔️ Easy approval process for Pay in 4.
❌ Downside:
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Long-term financing may have high interest rates.
3. PayPal Pay in 4 – Best for Small Purchases
✅ How It Works:
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Available at retailers that accept PayPal (Apple, Best Buy, Dell, HP, and more).
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Pay in 4 interest-free payments over 6 weeks.
💰 Interest Rate: 0%
📅 Payment Terms: 4 weeks (bi-weekly payments)
📈 Credit Check: Soft credit check
🚀 Where to Use It: Best Buy, Apple, HP, Dell, Amazon
⭐ Why Choose PayPal Pay in 4?
✔️ No interest or fees.
✔️ Works at any store that accepts PayPal.
✔️ Instant approval process.
❌ Downside:
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Only available for purchases up to $1,500.
4. Afterpay – Best for No Credit Check
✅ How It Works:
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Select Afterpay at checkout or use the Afterpay app.
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Pay in 4 interest-free payments every two weeks.
💰 Interest Rate: 0%
📅 Payment Terms: 4 weeks
📈 Credit Check: No
🚀 Where to Use It: Best Buy, Walmart, Target, Samsung, HP
⭐ Why Choose Afterpay?
✔️ No credit check required.
✔️ Easy approval process.
✔️ No interest if paid on time.
❌ Downside:
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Late payment fees apply if you miss a payment.
5. Apple Card Monthly Installments – Best for Apple Products
✅ How It Works:
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Available only for Apple products purchased at Apple stores or Apple.com.
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Payments are interest-free when using an Apple Card.
💰 Interest Rate: 0% APR
📅 Payment Terms: 6, 12, or 24 months
📈 Credit Check: Yes (Apple Card application)
🚀 Where to Use It: Apple Store, Apple.com
⭐ Why Choose Apple Card Monthly Installments?
✔️ 0% interest on Apple products.
✔️ Earn 3% cashback on purchases.
❌ Downside:
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Only for Apple products.
6. Samsung Financing – Best for Samsung Devices
✅ How It Works:
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Available for Samsung smartphones, laptops, tablets, and accessories.
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Pay in 6, 12, 18, or 24 months.
💰 Interest Rate: 0% APR (for promotional periods)
📅 Payment Terms: Up to 24 months
📈 Credit Check: Yes
🚀 Where to Use It: Samsung.com
⭐ Why Choose Samsung Financing?
✔️ 0% interest on select products.
✔️ Exclusive financing for Samsung customers.
❌ Downside:
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Requires good credit for approval.
Comparison Table: Best BNPL Options for Smartphones & Laptops
| BNPL Service | Interest Rate | Payment Terms | Credit Check? | Best For |
|---|---|---|---|---|
| Affirm | 0% - 36% APR | 3 - 24 months | Yes | Flexible financing |
| Klarna | 0% (Pay in 4), up to 29.99% APR (financing) | 4 weeks - 36 months | Yes | Interest-free short-term payments |
| PayPal Pay in 4 | 0% | 6 weeks | Soft check | Small purchases |
| Afterpay | 0% | 4 weeks | No | No credit check |
| Apple Card Monthly Installments | 0% | 6 - 24 months | Yes | Apple products |
| Samsung Financing | 0% (promo) | 6 - 24 months | Yes | Samsung devices |
Conclusion
If you need interest-free short-term financing, PayPal Pay in 4, Klarna, or Afterpay are excellent choices. For longer financing terms, Affirm, Samsung Financing, and Apple Card Monthly Installments offer flexible payment plans with 0% interest for eligible purchases.
Would you like recommendations based on a specific smartphone or laptop brand?
