0% APR deals
Buy now, pay later
Pay-in-installments plans and which ones charge interest.
True 0%
| Brand | Offer | Verdict | Ends | The fine print | |
|---|---|---|---|---|---|
| KlarnaWayfair, up to 6 monthsConfirm before you buy | 0% installments up to 6 months at Wayfair | True 0% | Ongoing |
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| Affirm0% at participating storesConfirm before you buy | 0% APR plans where the merchant pays for it | True 0% | Ongoing |
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| AffirmPay in 4 | 4 payments every 2 weeks at 0% | True 0% | Ongoing |
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| AfterpayPay in 4Confirm before you buy | 4 payments every 2 weeks at 0% | True 0% | Ongoing |
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| PayPalPay in 4Confirm before you buy | 4 payments at 0% on $30 to $1,500Minimum: $30 | True 0% | Ongoing |
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| ZipPay in 4 and Pay in 8Confirm before you buy | Marketed as 0% interest | True 0% | Ongoing |
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| SezzlePay in 4 and Pay in 2Confirm before you buy | 4 or 2 payments at 0% | True 0% | Ongoing |
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| SunbitDental and auto repairConfirm before you buy | No-interest plans where a missed payment never triggers retroactive interest | True 0% | Ongoing |
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| CherryMedical and aestheticsConfirm before you buy | True 0% for qualified borrowers, no deferred interest | True 0% | Ongoing |
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| Flex PayTravel: United, Southwest, JetBlue Vacations, Six FlagsConfirm before you buy | 0% offers where the merchant subsidizes | True 0% | Ongoing |
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Deferred interest: proceed with caution
| Brand | Offer | Verdict | Ends | The fine print | |
|---|---|---|---|---|---|
| CareCreditMedical, dental and vet | No interest if paid in full in 6 to 24 months on $200+Minimum: $200 | Deferred interest | Ongoing |
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