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BizUp BNPL Options

butterfly-process

 

Terms:

  • Pay in 4 (4 payments over 6 weeks)
  • Monthly (1 to 48 months)

Purchase Limit:

Up to $17,500 depending on credit score

Credit Check?

Soft pull

Down Payment?

Only if you don’t qualify for the full purchase amount

Klarna_Smoooth_Payments

 

Terms:

  • Pay in 4 (4 payments over 6 weeks)
  • Pay in 30 (Full purchase due after 30 days)
  • Monthly (6 - 24 months)

Purchase Limit:

Depends on credit score and purchase history

Credit Check?

Soft pull

Down Payment?

  • 25% for Pay in 4
  • No down payment for Pay in 30 or monthly loan
5e107354e11d4631d92a51a10da29bef

 

Terms:

  • 4 payments over 6 weeks
  • Long-term loans are monthly payments up to 60 months

Purchase Limit:

  • $2,500 per order
  • Long-term loans up to $40,000 depending on credit history

Credit Check?

Soft pull for Sezzle or Sezzle Up; Hard pull for long-term financing

Down Payment?

25% for Sezzle or Sezzle Up

zip-pay-logo-light-background-outside-pocket

 

Terms:

4 payments over 6 weeks

Purchase Limit:

Up to $1,500 (retailers may set a lower limit)

Credit Check?

None

Down Payment?

25% upfront

Spitit-logo-whiteduotone_RGB

 

Terms:

3, 6, 12, or 24 monthly payments

Purchase Limit:

Same as your credit card limit

Credit Check?

No credit check

Down Payment?

First installment

 

bizup-logo-text.white.005x

 

Terms:

Varies

Purchase Limit:

Varies (up to $50,000 depending on retailers)

Credit Check?

Varies (depending on retailers)

Down Payment?

25-50% upfront

 

BNPL Summary

product
terms
credit check
down payment
late fee

Affirm

Pay in 4; 1-48 months soft possible no

Klarna

Pay 4; Pay in 30; 6-24 months soft 25% (pay in 4)
None for Pay in 30 or monthly
$7 each up to 25%

Sezzle

Pay in 4 soft 25% no

Zip (Quadpay)

Pay in 4 none 25% $5, $7, or $10 each

SplitIt

3-24 months none 1st payment no

BizUp Partners

varies varies varies varies