The Finance Algorithm
2 products · 2 institutions · refreshed nightly

Buy now, pay later.

Bank-issued instalment products.

Bank · productWhat it isAccount feeTransactions fromFeatures
CommBankStepPayStepPay 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…$0Digital banking3 fees listed
PayPalPayPal Pay in 4PayPal 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.

Showing 2 of 2 buy now, pay later.

Published by each institution under the Consumer Data Right, last changed by them on 23 Sept 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.