![]() ![]() Zebit. This is an interesting buy now, pay later service.On the other hand, you won't be paying interest or fees. Your installment payments come directly from your paycheck, and so, yes, you might feel like the application is a little intrusive. You make your purchases through Perpay's online marketplace, and you can buy merchandise like Apple products, Nintendo and KitchenAid. Perpay. This buy now, pay later service is aimed at people with bad credit.And then at the end of the month, ViaBill will try to take out two installment payments at once. If you haven't paid by the 15th of the month, you'll get a late fee – of $15, or the installment amount (whatever is less). ![]() If things go south, and you can't make the payment around the end of the month, ViaBill will try to try several more times at the beginning of the month to take the payment. You pay the first installment at checkout, and the rest later, interest-free. ViaBill. You choose it at checkout, create an account and pay in four installments.If you are late with a payment, you'll be charged a late fee, though the website’s copy is unclear about how much that will be. Sezzle. You pay about 25% of the total cost when you make your purchase – and like most of these services, you'll make three more payments every two weeks.So how does it make money? Well, it does charge interest on what you buy – but it'll tell you how much in interest you'll pay up front. Affirm. This service doesn't charge late fees (or any fees) but points out that no payment or an underpayment could hurt your credit.As the Zip website says, “Depending on the merchant and total cost of the order, this fee may be greater.” Zip has become quite the player in the BNPL arena you can now buy now pay later from Amazon, using Zip. ![]() So aside from the late fees that you hopefully will never pay, you will likely pay an extra $4 in fees and possibly more. There’s also a $1 platform fee, per order when you pay through Zip Checkout. You could get more than one late fee if you continue to be late with a payment.
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