While most BNPL providers — like Affirm, Klarna, Zip, Afterpay and Sezzle — offer 0% APR loans, they typically have a repayment term of just six weeks. (Note: Affirm does have long-term 0% loans with certain retailers, but these require a hard credit inquiry in order to be approved....
Alongside traditional payment options like credit/debit cards and PayPal, they’ll see options such as Pay with Sezzle and Pay with Klarna. Close to the fields to enter their card details, shoppers are presented with the option to buy now, pay later — opening up consumer purchase flexibility...