PayPal topped the category for Most Loved Buy Now Pay Later, scoring 4.42.
Finder's 2026 Buy Now Pay Later Customer Satisfaction Awards asked thousands of Australians about the buy now pay later services they use to find which brands are the best.
Most Loved Buy Now Pay Later: PayPal
PayPal topped the category for Most Loved Buy Now Pay Later, scoring 4.42.
Loved Brand
Afterpay
Afterpay received Loved Brand recognition for its buy now pay later.
Afterpay
Afterpay received Loved Brand recognition for its buy now pay later.
Klarna
Klarna was commended for Loved Brand in the buy now pay later category.
Klarna
Klarna was commended for Loved Brand in the buy now pay later category.
Most Trusted Buy Now Pay Later: PayPal
PayPal won Most Trusted Buy Now Pay Later, notching up a score of 4.48.
PayPal won Most Trusted Buy Now Pay Later, notching up a score of 4.48.
Trusted Brand
Afterpay
Afterpay secured Trusted Brand for its buy now pay later.
Afterpay
Afterpay secured Trusted Brand for its buy now pay later.
Zip
Zip claimed Trusted Brand for its buy now pay later.
Zip
Zip claimed Trusted Brand for its buy now pay later.
Legendary Service Buy Now Pay Later: PayPal
PayPal secured Legendary Service Buy Now Pay Later with a score of 4.44.
PayPal secured Legendary Service Buy Now Pay Later with a score of 4.44.
Quality Service
Afterpay
Afterpay was recognised for Quality Service in its buy now pay later.
Afterpay
Afterpay was recognised for Quality Service in its buy now pay later.
Klarna
Klarna came away with Quality Service for its buy now pay later.
Klarna
Klarna came away with Quality Service for its buy now pay later.
Most Recommended Buy Now Pay Later: PayPal
PayPal finished first for Most Recommended Buy Now Pay Later, scoring 4.37.
PayPal finished first for Most Recommended Buy Now Pay Later, scoring 4.37.
Recommended Brand
Afterpay
Afterpay scored Recommended Brand for its buy now pay later.
Afterpay
Afterpay scored Recommended Brand for its buy now pay later.
Klarna
Klarna earned Recommended Brand for its buy now pay later.
Klarna
Klarna earned Recommended Brand for its buy now pay later.
How we picked our Customer Satisfaction Awards winners
Each year, thousands of Australians rate brands they've used as part of Finder's Customer Satisfaction Awards. Consumers assess brands within a product category across various metrics, including trust, customer service, value and overall satisfaction. Finder surveyed thousands of customers and analysed their feedback.
Customers reviewed products they had purchased or used recently, with the recency period varying by category—from within the past year to up to five years.
Surveys continued until each category reached a minimum sample size of 500 to 5,000 responses, depending on the category. Respondents selected a brand from a pre-populated list or entered their own. Responses were recorded as they fell naturally.
We used the following metrics to assess brands and asked customers between 4-8 questions, including:
- if they would recommend this brand to a friend.
- how they would rate each brand on a scale between 1 and 5 in terms of several metrics that varied by category, including: brand love, customer service, trust, reliability, features, value, and any factors unique to each product category (for example, 'rewards programs' for retailers).
The final scores were determined exclusively based on the relevant metric. For example, the Most Trusted award was calculated based on responses to the question on how much people trust a brand, while the Most Loved award was based on responses to the question on how much people love a brand.
If a brand or product no longer exists in the market, they were disqualified and excluded from our assessment, meaning that they were ineligible for consideration for any Award (even though responses may have been collected in relation to the relevant brand's product(s) at such time that they were previously available). However, if only the brand's name changed and the products remained the same, the brand was still eligible for consideration for an Award and was assessed by us on the basis of the new brand name. Additionally, brands that did not meet the minimum per-brand sample size were excluded. The threshold ranged from 40 to 100 responses per brand, depending on the category, with most being 100.
The Finder Customer Satisfaction Awards is an independent awards program and commercial partnerships do not influence the results in any way.
Disclaimer: We tried to collect feedback and data from survey participants on as many products and providers in the market as possible. Although we were able to assess an extensive range of products and providers from the survey responses, we can't say that every provider and/or product currently available in the market was considered as part of our review and winner selection process. Some products and/or providers may have been omitted from survey responses and therefore not considered by us for any Customer Satisfaction Award. Read our Advertiser Disclosure.
Meet our experts
Piyush Pillai, Insights analyst
Piyush is an insights analyst at Finder and is responsible for developing the methodology for Finder's Product Awards. He holds an MBA from Macquarie University and a MSc in Banking and Finance from the University of London.
All the Finder Awards
Check out the best of the best, judged by experts.
Explore past Finder Customer Satisfaction Award winners
Sources
More resources on Finder
Ask a question