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Divide the cost of your purchase into a series of smaller, equal installments. Known as BNPL for short, these plans often come with no interest and minimal fees.

Leading apps include:

Zip - https://zip.co/us

Affirm - https://www.affirm.com/

Afterpay (cashapp) https://www.afterpay.com/en-US

Klarna https://www.klarna.com/us/

PayPal Credit https://www.paypal.com/us/digital-wallet/ways-to-pay/credit-services/paypal-credit

Sezzle https://sezzle.com/

Splitit https://www.splitit.com/us/

Alma https://almapay.com/