BizUp BNPL Options

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

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

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

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

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

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 |