---
title: "Buy now, pay later compared"
description: "Instalment plans from a major bank, a dedicated BNPL provider and a green-lending specialist."
canonical: https://www.cdrcompare.au/comparisons/buy-now-pay-later
source: "CDR Compare"
language: en-AU
---

# Buy now, pay later

> Instalment plans from a major bank, a dedicated BNPL provider and a green-lending specialist.

These are starting points, not recommendations. Products are never ranked or scored, providers are listed alphabetically within each set, and nothing here is financial advice.

## Side by side

| Product | Provider | Headline | Detail |
| --- | --- | --- | --- |
| StepPay | CommBank | From: 0% | https://www.cdrcompare.au/brands/commbank/products/1c721b3bcefe47eaa31e4ec98d8703f7 |
| Plenti Zero-Interest Payment Plan | Plenti | From: 0% | https://www.cdrcompare.au/brands/plenti/products/7118cd1c-ceea-4594-b953-ee23592eb309 |
| Zip Pay | Zip | — | https://www.cdrcompare.au/brands/zip/products/zip-pay |

### StepPay — CommBank

StepPay is our digital-only buy now, pay later product that you can add to your CommBank app or a digital wallet on your smart device. You can use StepPay to pay everywhere in-store and online, up to your credit limit - without a physical card. You can enjoy: No interest charges, No monthly or annual fees, Spend limits up to $2,000, No foreign exchange fees, Late payment fees will apply, but fees are capped. Fees and charges may apply to your linked CommBank account.

- **From:** 0% (0% comparison)

Full detail: https://www.cdrcompare.au/brands/commbank/products/1c721b3bcefe47eaa31e4ec98d8703f7.md

### Plenti Zero-Interest Payment Plan — Plenti

Zero-interest payment plans for the purchase and installation of renewable energy goods or eligible air conditioning units for residential homes. Available through approved Plenti vendor partners. An application fee and ongoing management fee apply; no interest is charged. Credit subject to approval.

- **From:** 0% (Fixed)

Full detail: https://www.cdrcompare.au/brands/plenti/products/7118cd1c-ceea-4594-b953-ee23592eb309.md

### Zip Pay — Zip

Interest free buy now pay later account for everyday purchases.

Full detail: https://www.cdrcompare.au/brands/zip/products/zip-pay.md

## Category

Buy Now Pay Later. Every provider that publishes in this category is in the directory at https://www.cdrcompare.au/.

## A different mix

This exact set is editable at https://www.cdrcompare.au/compare?p=commbank:1c721b3bcefe47eaa31e4ec98d8703f7,plenti:7118cd1c-ceea-4594-b953-ee23592eb309,zip:zip-pay — swap any product for another provider's.

---

Source: [CDR Compare](https://www.cdrcompare.au/comparisons/buy-now-pay-later) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

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