Klarna – UKNB Trust Score: 9.1/10
Klarna is the most popular BNPL app in the UK.
It lets you pay in 30 days or split your purchase into three interest-free payments. Klarna is also one of the biggest in the UK and has a great app that follows FCA rules.
Parent Company: Klarna Bank AB (Sweden)
BNPL Offer/Terms: You can pay in 30 days or split your purchase into three interest-free payments
App Name: Klarna (iOS/Android)
UK Reach: About 10 million users
Regulation: Has an FCA e-money licence and is preparing for full FCA BNPL rules in 2026
PayPal Pay in 3 – UKNB Trust Score: 8.8/10
PayPal Pay in 3 is available wherever PayPal is accepted.
It lets you split your purchase into three interest-free instalments. It also doesn’t charge late fees and uses PayPal’s trusted system.
Parent Company: PayPal Holdings Inc. (US)
BNPL Offer/Terms: Split your purchase into three interest-free instalments with the first payment due at checkout and the rest over the next two months
App Name: PayPal (iOS/Android)
UK Reach: Available across many major stores
Regulation: FCA-authorised, but Pay in 3 is not yet under full credit regulation
Monzo Flex – UKNB Trust Score: 8.6/10
Monzo Flex is a BNPL product from Monzo, a digital bank.
It lets you split any purchase over £100 into three interest-free payments or longer terms with interest.
Parent Company: Monzo Bank Ltd (UK)
BNPL Offer/Terms: Pay in 3 months (0%) or 6–24 months with interest
App Name: Monzo (iOS/Android)
UK Reach: Around 9 million users
Regulation: FCA-authorised bank with full credit regulation
Clearpay – UKNB Trust Score: 8.3/10
Clearpay lets shoppers pay in four interest-free instalments every two weeks.
It’s popular with big high street brands and has a simple checkout process, though not all small stores use it.
Parent Company: Block, Inc. (US)
BNPL Offer/Terms: Pay for purchases in four instalments over six weeks with no interest
App Name: Clearpay (iOS/Android)
UK Reach: Around 4 to 5 million users
Regulation: FCA registered, and contracts are being updated under FCA review
Zilch – UKNB Trust Score: 8.2/10
Zilch offers a cashback model: you can pay now and get cashback or pay in instalments over six weeks.
It reports positive payments to credit agencies and is fully FCA authorised.
Parent Company: Zilch Technology Ltd
BNPL Offer/Terms: Pay in four instalments with 25% upfront and three more every two weeks
App Name: Zilch (iOS/Android)
UK Reach: 5 million users and around 5,000 merchants
Regulation: Fully FCA-authorised and reports to credit agencies
Splitit – UKNB Trust Score: 7/10
Splitit lets you split payments using your existing credit card without interest or new fees.
It’s a good option for people who want to use their available credit without adding more debt.
Parent Company: Splitit Inc. (US)
BNPL Offer/Terms: Up to 12 instalments with no fees or interest, using your own credit card
App Name: None (used at checkout)
UK Reach: Available at Currys, Sofology, Harvey Nichols, etc.
Regulation: Not a lender, and doesn’t fall under standard BNPL regulation
Use this guide to pick the best BNPL provider.
Now that regulation is catching up, it’s important to choose providers with strong protections and clear, fair terms. Always check your eligibility and repayment plan before you sign up.
Frequently Asked Questions
Are all buy now pay later apps in the UK regulated and safe to use?
Not all BNPL apps in the UK are currently regulated.
But new FCA rules will make it tougher for apps to operate without proper checks and clear terms. Well-known apps like Klarna, Clearpay, and Monzo Flex already have high standards and are working to meet the new rules. Always check the terms and pick apps that are trusted with good customer support.
Will using buy now, pay later apps in the UK affect my credit score?
It depends.
Some apps, like Zilch and Klarna, report your payment behaviour to credit agencies. Paying on time can help your credit history, but missing payments can hurt your score. Always check what each app reports before you sign up.
What should I look out for before choosing a buy now, pay later app in the UK?
Before signing up, compare the late fee policy, payment terms, and how easy it is to get help if something goes wrong.
Look for apps with good reviews, clear fees, and FCA authorisation or registration. The best BNPL apps in the UK make it simple to track what you owe and help you avoid falling behind.
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