There are so many apps offering buy now, pay later these days, it can be hard to decide which one to choose. Being able to shop without cash on hand is convenient, but fees and credit checks are also concerns.

If you want to try one out, I recommend Paidy. You can start using it from the day you register, and there are no fees for bank transfer payments. Also, high-value purchases can be split into installments for free, making it quite flexible among buy now, pay later apps. It can be used on Amazon and in physical stores, so it’s useful in various everyday situations.

Another good option is Atokara. It’s also available for same-day use, and bank transfer payments are fee-free. The initial credit limit is quite high at 55,000 yen, which is helpful for slightly expensive purchases. Plus, becoming a member allows you to split payments into up to 6 installments for free, which is attractive for those planning larger purchases.

Famipay’s next-month payment option is also quite user-friendly. It can be used not only at FamilyMart but also at restaurants and e-commerce sites, and it offers a 1.00% point cashback, making it a good deal. If you choose bank transfer, there are no fees, and it supports up to 12 installments, providing flexible payment options.

For those prioritizing low fees, NP Postpay is also worth considering. It’s completely fee-free and can be used at about 200,000 online stores, making it almost universally usable for buy now, pay later. However, it doesn’t support installment payments, so it’s mainly suitable for those who prefer lump-sum payments.

Ultimately, when choosing a buy now, pay later app, the best approach is to consider where you shop most often, whether you prioritize low fees, and whether you need installment options. Many services with bank transfer payments offer fee-free options, so adjusting your payment method can help reduce costs.