True Cost of BNPL Calculator
Enter your purchase details to see the effective APR, total cost with any late fees, and how it compares to a credit card.
$
Enter the total purchase price you're financing.
Choose the company offering the installment plan.
Select a provider first to see available plans.
Paid on time
On time3 missed
How many scheduled payments you expect to miss or pay late.
22%
0%36%
The APR on the credit card you'd use as an alternative. US average is around 22%.
Enter a purchase amount and select a provider to see results.