| Affirm | $0 | Yes — reports to Experian | No, but future access limited |
| Klarna | Up to $7 | Financing plans only | After repeated misses |
| Afterpay | $10 (max 25%) | No (as of 2025) | Yes — immediately |
| Zip | $5–7 | Varies by plan | Yes |
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✦ BNPL
What happens if you miss a BNPL payment?
Missing a Buy Now Pay Later payment can cost you more than you think — from late fees to credit score damage. Here is exactly what happens on each platform.