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Buy Now Pay Later Customer Satisfaction Awards 2023

We asked 700+ Australians to rate their buy now pay later provider based on features, cost, customer service and more – here's who came out on top.

Finder Buy Now Pay Later logo Buy Now Pay Later winner


PayPal Pay in 4

PayPal's Pay in 4 buy now pay later (BNPL) offering was overwhelmingly voted the best service after more than 700 Australians rated their BNPL providers. A huge 94% said they would recommend it to a friend and it scored 4.5 out of 5. Users rated it most highly for its customer service, ease of application and the fees and interest rate.

Buy now pay later methodology

Highly commended



Afterpay ranked in second place for its service, gaining an overall score of 4.33 out of 5. 88% of people surveyed said they would recommend Afterpay to friends. It was particularly praised for how easy it is to apply.

Zip Pay Buy Now Pay Later

Zip Pay

Zip Pay ranked in third place, gaining an overall score of 4.28 out of 5. 86% of people surveyed said they would recommend this service. It was ranked most highly for its ease of application.

Buy now pay later ratings 2023

BrandOverall satisfactionCustomers who'd recommend
PayPal★★★★★ 4.52/594%
Afterpay ★★★★★ 4.33/588%
Zippay★★★★★ 4.28/586%
Openpay★★★★★ 4.25/582%
Klarna★★★★★ 4.22/582%
LayBuy★★★★★ 4.17/584%
Humm★★★★★ 4.01/569%
Bundll★★★★★ 3.78/567%
Latitude Financial★★★★★ 3.73/563%

Why you can trust our awards

expert advice
Expert analysis
Finder worked with leading insights company Dynata to survey over 30,000 Australians across almost 200 categories for our Customer Satisfaction Awards program.
They're comprehensive
We asked 723 Australians to rate their buy now pay later products based on several factors including whether they would recommend it to a friend.
They're independent
Some winners may be partners but this never influences our decisions. All winners are based on a clear methodology and must meet editorial standards.

Buy now pay later methodology

The Finder Customer Satisfaction Awards recognise Australia's favourite brands across a huge number of categories. We survey thousands of real Australians to understand how they feel about their recent product purchases to help you make a decision about what product to get. It's an independent awards program calculated by our data and insights team. Commercial partnerships do not influence the results in any way.

  • Consumers were asked to review a range of products they purchased recently.
  • The recency period varied between 3 months to 3 years, depending on the product category.
  • We got a minimum of 45 responses for each provider. We asked a total of 723 customers.
  • Respondents were asked whether they would recommend the buy now pay later provider to a friend.
  • Recommendations were scored out of 5 as a percentage. For example, if 80% of participants recommended a product, it received a 4 out of 5.

Customers were also asked how they would rate each provider on a scale between 1 and 5 and in terms of:

    1. Features and benefits
    2. Customer service
    3. Ease of application
    4. Fees and interest rates
    5. Overall

The final brand score is an average of all these individual ratings. Disclaimer: While we endeavour to assess the majority of product providers in the market, this is not always possible and it may be that not every product or brand in the market was included for judging.

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