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Finder Buy Now Pay Later Awards 2022

Find out how your Buy Now Pay Later provider fared in our latest customer satisfaction survey and awards.

The Finder Customer Satisfaction Awards are decided by the everyday users of each platform. We asked customers of the largest Buy Now Pay Later (BNPL) providers to tell us about their experiences. Now we can reveal what they said.

The winners

The winners are based on consumer ratings across 5 metrics: features and benefits, customer service, fees & interest rate, and the consumer's overall experience, as well as recommendation score (the percentage of customers who said they would recommend the brand to a friend).

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Best rated BNPL service Winner:


Humm ranked number 1 for the BNPL category this year, with 95% of users saying they'd recommend the provider to friends. Its overall customer satisfaction rating was 4.47 out of 5.

Read our review of humm

Best rated BNPL service finalist:


In very close second is our first finalist, Bundll. 96% of those surveyed would recommend it to a friend, and its overall score was 4.4 out of 5.

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Best rated BNPL service finalist:


The global payment platform's launch into the BNPL space comes in as our second finalist, with PayPal Pay in 4 receiving 4.42 out of 5 overall and 86% of those surveyed saying they would recommend it to a friend.

Read our review of Paypal

Best BNPL Service in 2022

Overall satisfactionCustomers who'd recommendPlatformReview
★★★★★ 4.47/595%Humm logoHumm allows quick access to its payment scheme for purchases under $2,000 and you can apply for purchases of up to $10,000. It scored high across all our categories, especially when it came to Fees and Interest.Read our review
★★★★★ 4.46/596%Bundll logoBundll allows wide access to its service, where it is able to be used anywhere that accepts Mastercard. Its default plan allows purchases up to $1,000, and it topped the category when it came to "would recommend" with 96% of customers saying they'd refer a friend.Read our review
★★★★★ 4.42/586%Paypal logoPayPal's Pay in 4 launched in 2022 and is able to be used for purchases up to $2000. It ranked high across Customer Service, as well as Features and Benefits. 86% of those surveyed would recommend it to a friend.Read our review
★★★★★ 4.37/595%Laybuy logoLaybuy works via 6 weekly repayments, and allows customers with imperfect credit scores. 95% of those surveyed would recommend it to a friend.Read our review
★★★★★ 4.33/585%Zip pay logoZip Pay is another popular entrant, which allows customers to use its service across storefronts, as well as through BPAY. 85% of those surveyed would refer a friend.Read our review

Customer satisfaction ratings methodology

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.

Finder worked with leading insights company Dynata to survey nearly 20,000 Australians across almost 200 categories for our Customer Satisfaction Awards program.

  • Consumers were asked to review a Buy Now Pay Later platform they had used.
  • Brands had to receive a minimum of 55 responses in this category to be eligible for the award.
  • The brands were rated based on the following categories:
    • Customer service
    • Features and benefits
    • Fees and interest
    • Overall experience
  • Respondents were also asked whether they would recommend each product to a friend. This result was scored out of 5 as a percentage. For example, if 80% of respondents said they would recommend a product, it received a score of 4 out of 5.
  • The final score was calculated as an average of the 5 metrics scored.
  • Finder's Customer Satisfaction Awards is an independent awards program and commercial partnerships do not influence the results in any way.

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