Data Sources & Verification
This calculator uses publicly available fee schedules published directly by each BNPL provider. Fee structures are verified manually against official sources. Because fee terms change—sometimes without notice—this site runs automated checks every 6 months to detect drift and flag any provider whose fee page has moved or returned an error.
Provider Sources
| Provider | Data used | Source | Last verified |
|---|---|---|---|
| Affirm | Interest APR 0–36%, no late fees | Official fee page ↗ | 2026-05-04 |
| Klarna | Interest APR 0–33.99%, late fee (up to $7) | Official fee page ↗ | 2026-05-04 |
| Afterpay | Interest APR 0–36%, late fee (up to $8) | Official fee page ↗ | 2026-05-04 |
| PayPal Pay Later | Interest APR 9.99–35.99%, no late fees | Official fee page ↗ | 2026-05-04 |
| Zip (formerly Quadpay) | Interest APR 0% (no interest), per-installment fee ($1/payment), late fee (up to $7.5) | Official fee page ↗ | 2026-05-04 |
| Generic / Other | User-supplied — no official source | — | — |
Calculation methodology
For a full explanation of how APR is calculated from BNPL installment schedules—including the TILA actuarial method—see the methodology page.
Update policy
This site runs an automated check every 6 months (April 1 and October 1) that pings each
provider's official fee page and flags any URLs that no longer resolve and any provider whose
data has not been manually verified in over 6 months. The owner then visits each flagged source
and updates providers.json accordingly.
Last full review: 2026-05-04. Next scheduled check: 2026-11-04.
Corrections
If you notice a fee structure that doesn't match a provider's current published terms, the owner reviews provider data regularly. Fee structures shown reflect the most recently verified data.