Buy now, pay later
Bank-issued instalment products.
7 BNPL products from 4 banks and lenders, read every night from what each one publishes under the Consumer Data Right.
Buy now, pay later, by institution
| Product | What it is | Account fee | Transactions from | Features |
|---|---|---|---|---|
| CommBank StepPay | StepPay is our digital-only buy now, pay later product that you can add to your CommBank app or a digital wallet on your smart device. You can use StepPay to pay everywhere in-store and online, up to your credit limit… | - | $0 | Digital banking3 fees listed |
| PayPal PayPal Pay in 4 | PayPal Pay in 4 is an interest-free buy now, pay later product that allows customers to split eligible purchases under $2,000 into four fortnightly instalments, with no sign-up or late fees. | - | - | - |
| PayPal PayPal Pay Monthly | PayPal Pay Monthly lets eligible customers spread purchases of $500 to $15,000 AUD over 12, 18 or 24 fixed monthly instalments when checking out with PayPal. You pay a fixed annual percentage rate, with no account fees… | $0 a month | - | -4 fees listed |
| Plenti Plenti WA Residential Battery Scheme No Interest Loan | Zero-interest loans for eligible Western Australian households participating in the WA Residential Battery Scheme (RBS). Finance the purchase and installation of eligible battery storage systems. No interest charges, no… | - | - | Digital banking1 fee listed |
| Plenti Plenti Zero-Interest Payment Plan | Zero-interest payment plans for the purchase and installation of renewable energy goods or eligible air conditioning units for residential homes. Available through approved Plenti vendor partners. An application fee and… | $8.99 a month | - | Digital banking3 fees listed |
| Zip Zip Pay | Interest free buy now pay later account for everyday purchases. | $9.95 a month | $2.50 | -4 fees listed |
6 of 7 BNPL products match these filters. 1 with restricted eligibility (staff, profession, age, green or business-only) are hidden.
Published by each institution under the Consumer Data Right, last changed by them on 7 Nov 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.