The provider performs a "soft" credit check, which usually takes seconds and doesn't affect your credit score.
Buy Now, Pay Later (BNPL) is a short-term financing option that allows you to make purchases and pay for them in smaller, typically interest-free installments over time. It has gained massive popularity as a fast, digital-first alternative to traditional credit cards.
The landscape varies by region, but these are the major players globally and in India: Top 16 Buy Now, Pay Later Apps in India For 2026