Top 5 Buy Now Pay Later (BNPL) Companies in the US

4. Deferit

Highest APR Charged: 0%

Deferit is an Australian BNPL that also provides services in several American states. The firm aims its services at letting users pay their bills for utilities, insurance, phone, power, healthcare, and others. While paying the bill upfront, it splits the payment for the user into four installments due every two weeks. Deferit also does not charge any interest, and its four installments feature is restricted in some U.S. states such as New Mexico, Indiana, and Idaho. It charges a 1.5% fee for cards, and a $14.99 subscription fee to support up to $2,000 in bills depending on the customer profile.