Online buy now, pay later (BNPL) offers can help you save money as you shop. It becomes easier with apps that help you do this. You buy something today and then split up the payments over some time. Essentially, you only have to pay it back in installments. These work the same as credit cards, usually minus the interest, as long as you make the payments on time.
So here are some of the top buy now, pay later apps you can use when you make your next big-ticket purchase.
Affirm
Available on the Apple App Store, Android, and Google Play, Affirm is one of the most popular buy now, pay later apps. Its popularity is due to the wide range of payment options for all types of purchases, whether online or in-store. For example, for smaller everyday purchases, you can split your interest-free payments into four to be paid every two weeks. For big-ticket purchases, such as home appliances or furniture, you can pay through monthly installments spread over three, six, or 12 months. There are no hidden fees, and you can directly make automatic payments in the app. However, there will be soft credit checks, and interest rates can range from 0% to 36% APR, depending on the retailer.
Apple Pay Later
With Apple Pay Later, you can divide the payment of any of your purchases into four equal installments. Each installment will be due two weeks apart, with the first payment due immediately at checkout. For instance, if you’ve made a $700 purchase with Apple Pay Later, you’ll have to pay $175 at the checkout. The remaining three installments of $175 each can be paid every two weeks. You can do this with zero interest and zero fees. You can apply for Apple Pay later through the Apple Wallet.
There is no minimum credit score requirement yet, but Apple does a soft credit check during the application, and this app is available only for Apple devices.
Zip
Previously known as Quadpay, Zip is a great choice if you are looking for online buy now, pay later offers through this app. It is available on the Apple App Store and Google Play; Zip does not do hard credit checks but only soft credit checks during the application process. In addition, it doesn’t report to any major credit bureaus. So if you have low credit, Zip is a good option. Moreover, it is versatile since you can shop using this app wherever Visa is accepted. However, Zip does have interest rates on every payment based on a soft credit check. Also, you will be charged a $1 fee for every installment payment.
PayPal Pay in 4
If you make most of your purchases online, PayPal Pay in 4 must be your top choice for a buy now, pay later app. Although it is not available for in-store purchases, the app is directly integrated into the online checkout of several merchants and retailers. So the transactions are secure as well as fast. In addition, the payments you make later are free of interest without any hidden fees, even for late payments. Like most other apps, the payment schedule is standard: you pay the first installment at checkout and the rest of the three every two to six weeks. There will be a soft credit check during the application, but it won’t affect your credit profile. The only drawback is that this app is unavailable in select places such as Missouri, Nevada, and New Mexico.
Afterpay
Afterpay is a good option for those on a budget. It has an easy-to-use and intuitive interface that allows you to keep track of your purchases. Moreover, you can also plan for any payments you need to make in the future. The app lets you set up payment reminders so you don’t have to pay any penalties. It is quite convenient, as you can use it for in-store and online purchases across major retailers and brands. There is no interest on the payments; you can pay across four payments. The first is at checkout; the remaining payments are due every two to six weeks. In case you miss a payment, your account will be paused automatically.
Klarna
When you want to earn rewards while saving on your purchases, Klara is the app for you. It allows you to earn one point for every $1 you spend with Klarna. It allows you to choose the stores where you want to redeem your rewards. Moreover, these rewards give you exclusive access to deals, discounts, and other perks. Available on the Apple App Store and Google Play Store, this app can be used for online and in-store purchases. It is directly integrated into the payment gateways of several major retailers. It works just like another buy now, pay later app, wherein you make the first interest-free payment at checkout. The rest of the three payments can be made every two weeks. In addition, longer-term payment options are offered on schedules ranging from 6 to 36 months. However, these have an APR ranging from 0% to 28.99%.
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3 popular models from the Samsung Galaxy mobile series
Read moreSamsung has been one of most popular smartphone companies. The brand offers some of the best phones, tablets, and other gadgets from time to time. The Samsung Galaxy series is one such set of amazing smartphones from Samsung that has taken over the cell phone market.
Here are a few of the top models of the Samsung Galaxy mobile series.
- Samsung Galaxy S8 Plus: The Samsung Galaxy S8 Plus is ideal for those who like a large screen. The phone comes with a 6.2-inch large screen and looks every bit elegant despite the big size of it. What makes the Samsung Galaxy mobile series phone so attractive is that it has a very sleek design. The phone’s large display and super efficient processor are some of the features that make it stand out. It comes with an 8MP front camera and a 12MP rear camera.
- Samsung Galaxy S7: This is another popular smartphone from the Samsung Galaxy mobile series; it has a Super AMOLED like its other S series counterparts. It is worth every buck with its superb display and impressive camera. The phone comes with a 12MP rear camera with dual pixel and a 5MP front camera. It is water resistant and offers an expandable memory slot of up to 256GB. If you like a curvier phone, the Samsung Galaxy S7 Edge from the Samsung Galaxy mobile series offers all the features of the S7 but with a curvier design.
- Samsung Galaxy S6 Edge: The Samsung Galaxy S6 Edge offers an efficient performance with the Samsung Exynos® 7420 Octa-core 64-bit processor. The Samsung Galaxy S6 Edge with 32GB memory and 5.1-inch display make it one of the best phones for entertainment. The phone comes with a brilliant 16 MP rear camera and a 5MP front camera.
These are just a few of models from the S series; you can explore the rest of them to find out which one best suits your needs.
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What Are the Causes of Blood in Urine
Read moreBlood in the urine which is medically known as hematuria can be either microscopic (when the blood is not visible) or gross (when the blood is visible). It can come from kidneys, bladder, ureters or urethra. It is always advisable to seek a healthcare professional’s medical guidance even if you are have found blood in your urine with no pain so that you can know the actual reasons behind hematuria. Also, it will help you to get the necessary treatment and avoid further issues. Read on to know the causes of hematuria (blood in the urine)along with the necessary treatments.
Causes of hematuria (blood in the urine)
Do not immediately get panic-stricken if you have spotted blood in your urine. It does not necessarily indicate you have severe kidney disease. It can happen due to some of the following common causes.- Strenuous exercise
- Menstruation
- Sexual activity
- Injury
- Any infection like UTI (Urinary Tract Infection)
Other than all the aforementioned reasons, following are some serious issues that can cause hematuria.
- Bladder or kidney cancer
- Polycystic kidney disease
- Swelling or irritation in the kidneys, prostate (in the case of men), other parts of the urinary tract
- Sickle cell disease is also a cause of hematuria (blood in the urine)
Symptoms of hematuria (blood in the urine)
Red, pink, tea-colored, or brownish-red urine is one common hematuria (blood in the urine) symptom. Other symptoms may include a pain while urinating, weakness, body swelling, high blood pressure, etc. Sometimes, it is associated with a fever as well. The symptoms may vary depending on the actual causes of hematuria (blood in urine).How is it treated?
You will be able to get the best treatment only when the underlying reason causing blood in the urine is found. If you are not diagnosed with a serious condition causing it, do not panic. It is also possible that you might not feel any pain when you suffer from hematuria (blood in the urine).However, the healthcare expert may ask you to undergo urine testing along with blood pressure checking. Depending on the reports of this testing, your doctor will decide whether you need to do more tests or you can start with the treatment process.
So, if you notice blood in your urine, it is always advisable to consult a medical expert at the earliest. Also, a regular health checkup irrespective of the age is recommended to stay fit and healthy and avoiding problems like hematuria.