We reviewed eight popular BNPL providers based on 11 data points in the categories of loan details, loan costs, perks, customer experience and accessibility. We chose the best lenders based on the weighting assigned to each category:

• Loan cost: 30%
• Loan details: 25%
• Accessibility: 20%
• Perks: 15%
• Customer experience: 10%

Within each major category, we also considered several characteristics, including available loan amounts, repayment terms, interest and applicable fees. We evaluated each provider’s customer support tools, borrower perks and features that simplify the borrowing process.

Where appropriate, we awarded partial points depending on how well a lender met each criterion.

To learn more about how Forbes Advisor rates lenders, and our editorial process, check out our Loans Rating & Review Methodology.