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Buy now, pay later

Compare buy now, pay later options for purchases. Review installment dates, interest and late fees, and check whether a promotion applies to the item you want.

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10 companies to compare

Choose an amount and term above to see potential options.

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We check your choices against published information. Missing terms still need confirmation, appearing here does not mean approval. How this works

Billease

Purchase Installments

Finance company
Loan amountConfirm your limit
TermConfirm available terms
Published rateIndividual quoteRate and fees depend on your offer
Monthly repaymentQuote neededProvider conditions applyView loan →
Published informationDetails & conditions

Who can apply: App assessment

Fixed installments for eligible purchases use the loan limit. Zero-interest merchant offers may have specific conditions.

A complete, comparable repayment schedule has not been verified. Ask for the effective interest rate, all fees, net proceeds and total repayment. Late-payment and early-settlement charges may apply.

Visit company website Quote required
CIMB Bank / Lazada

Lazada PayLater powered by CIMB

Bank
Loan amountConfirm your limit
TermConfirm available terms
Published rateIndividual quoteRate and fees depend on your offer
Monthly repaymentQuote neededProvider conditions applyView loan →
Published informationDetails & conditions

Who can apply: Selected app users

Purchase credit available through the Lazada partnership. Verify the lender and transaction-specific repayment terms in the app.

A complete, comparable repayment schedule has not been verified. Ask for the effective interest rate, all fees, net proceeds and total repayment. Late-payment and early-settlement charges may apply.

Visit company website Quote required
GCash

GGives

App / partner lender
Loan amount₱1,000–₱125,000
TermConfirm available terms
Published rate0–5.49%Monthly · offer and term dependent
Monthly repaymentQuote neededProvider conditions applyView loan →
Published informationDetails & conditions

Who can apply: Selected app users

Installment finance for eligible purchases through GCash. A purchase limit is not freely withdrawable cash.

A complete, comparable repayment schedule has not been verified. Ask for the effective interest rate, all fees, net proceeds and total repayment. Late-payment and early-settlement charges may apply.

Visit company website Quote required
GSIS

Digital Ginhawa Loan

Government
Loan amountConfirm your limit
TermConfirm available terms
Published rateIndividual quoteRate and fees depend on your offer
Monthly repaymentQuote neededProvider conditions applyView loan →
Published informationDetails & conditions

Who can apply: Member eligibility

A purpose-specific GSIS programme listed in its member directory. Confirm eligible devices, procurement channels and current availability.

A complete, comparable repayment schedule has not been verified. Ask for the effective interest rate, all fees, net proceeds and total repayment. Late-payment and early-settlement charges may apply.

Visit company website Quote required
GoTyme Bank

MoreTyme

Bank
Loan amountConfirm your limit
TermConfirm available terms
Published rateIndividual quoteRate and fees depend on your offer
Monthly repaymentQuote neededProvider conditions applyView loan →
Published informationDetails & conditions

Who can apply: Selected app users

Purchase installments for eligible users and transactions. Read the initial-payment requirement and monthly charges before confirming.

A complete, comparable repayment schedule has not been verified. Ask for the effective interest rate, all fees, net proceeds and total repayment. Late-payment and early-settlement charges may apply.

Visit company website Quote required
Home Credit

Product Loan

Finance company
Loan amountConfirm your limit
TermConfirm available terms
Published rateIndividual quoteRate and fees depend on your offer
Monthly repaymentQuote neededProvider conditions applyView loan →
Published informationDetails & conditions

Who can apply: Partner-store purchase

Financing for eligible purchases is separate from cash borrowing. Compare the full purchase cost and any financed services.

A complete, comparable repayment schedule has not been verified. Ask for the effective interest rate, all fees, net proceeds and total repayment. Late-payment and early-settlement charges may apply.

Visit company website Quote required
Plentina

Merchant Credit

Lending company
Loan amountConfirm your limit
TermConfirm available terms
Published rateIndividual quoteRate and fees depend on your offer
Monthly repaymentQuote neededProvider conditions applyView loan →
Published informationDetails & conditions

Who can apply: App assessment

Offers fund goods and services at participating merchants through store credits or vouchers. This is not unrestricted cash borrowing.

A complete, comparable repayment schedule has not been verified. Ask for the effective interest rate, all fees, net proceeds and total repayment. Late-payment and early-settlement charges may apply.

Visit company website Quote required
Salmon

Product Loan

Finance company
Loan amountConfirm your limit
TermConfirm available terms
Published rateIndividual quoteRate and fees depend on your offer
Monthly repaymentQuote neededProvider conditions applyView loan →
Published informationDetails & conditions

Who can apply: Partner-store purchase

Partner-store purchase financing. Minimum deposit and promotional interest depend on the product and offer.

A complete, comparable repayment schedule has not been verified. Ask for the effective interest rate, all fees, net proceeds and total repayment. Late-payment and early-settlement charges may apply.

Visit company website Quote required
Shopee / partner lenders

SPayLater

App / partner lender
Loan amountConfirm your limit
TermConfirm available terms
Published rateIndividual quoteRate and fees depend on your offer
Monthly repaymentQuote neededProvider conditions applyView loan →
Published informationDetails & conditions

Who can apply: Selected app users

Purchase installments through Shopee. Official pages describe Monee Credit and CIMB participation, confirm the lender named in your own agreement. The product is counted once.

A complete, comparable repayment schedule has not been verified. Ask for the effective interest rate, all fees, net proceeds and total repayment. Late-payment and early-settlement charges may apply.

Visit company website Quote required
Tonik Bank

Shop Installment Loan

Bank
Loan amountConfirm your limit
TermConfirm available terms
Published rateIndividual quoteRate and fees depend on your offer
Monthly repaymentQuote neededProvider conditions applyView loan →
Published informationDetails & conditions

Who can apply: Partner-store purchase

Tonik lists shop installment finance as a separate product. Confirm partner-store eligibility and the final purchase quotation.

A complete, comparable repayment schedule has not been verified. Ask for the effective interest rate, all fees, net proceeds and total repayment. Late-payment and early-settlement charges may apply.

Visit company website Quote required

What could the repayments look like?

Try different amounts, repayment periods and interest rates in the loan payment calculator. It is an independent example, not this company’s quote. A longer term can lower each payment while increasing total interest.

Already know your monthly budget? Estimate an amount you could plan around. For an actual offer, include its fees and payment schedule.

BEFORE YOU CHOOSE

What deserves a closer look

01

Compare with paying cash

Check if a cash discount is lost or extra services are added when choosing installments.

02

Keep track across apps

Several small payment schedules can become a large monthly commitment.

03

Check returns and cancellations

Refund processing may not immediately cancel a repayment obligation. Read the product’s rules.

Your questions, answered.

Is buy now, pay later the same as a cash loan?

No. Purchase financing pays for eligible goods or transactions. Do not assume a shopping limit can be withdrawn as cash.

Can I use Home Credit installments at any shop?

No. Purchase-financing options can be limited to partner stores and eligible items. Check that your exact store and product are covered before relying on a promotion. A shopping limit is not a general-purpose cash balance.

Can a larger down payment lower my installments?

A larger deposit reduces the amount you need to finance and can reduce your installments. Ask for a revised quotation because the rate, term or promotion may change too. Compare the total cash paid under both options.

Does a zero-interest promotion mean I pay the cash price?

Check the actual checkout total, fees and optional services, and whether a cash discount is lost. The headline alone cannot answer this.

Why does my installment offer differ from someone else’s?

Eligibility, item, merchant, deposit and term can differ. Compare the offer shown for your own purchase rather than a promotional example.

What happens to installments if I return the item?

Ask both merchant and lender about cancellation and refund processing. Keep paying as required until they confirm the revised obligation in writing.

Can several small BNPL purchases become expensive together?

Yes. Add every due payment across providers to your monthly budget. Several manageable-looking installments can fall in the same week.

Should I add insurance or other services at checkout?

Check what each add-on covers, whether it is optional and its total price. Compare the quotation with and without optional extras.

Does Pesopal approve installment loans or lend me money?

No. Pesopal compares installment borrowing options and published information. The lender or programme administrator assesses your application and issues the offer. Changing our filters does not submit an application or guarantee eligibility.

What should I verify after comparing installment options on Pesopal?

Check the checkout cash price, deposit, add-ons, fees and every installment on the lender’s official website or app, then confirm your written offer. Rates, fees, limits and requirements can change after our review, Pesopal’s figures are a comparison starting point, not a binding quote.

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