Buy Now Pay Later Apps that Accept Chime [Complete List]

Buy Now Pay Later (BNPL) is a growing trend to pay for your heavy purchases in easy installments. If you are interested in knowing which BNPL apps accept Chime, you are on the right post. Read this post to find out and get the complete idea on if all the popular Buy Now Pay Later apps like AfterPay, Affirm, Klarna, Splitit etc. support Chime and what are the steps and intricacies you should be aware of to use these services with Chime.

What is Buy Now Pay Later Service

Buy Now Pay Later is a payment option where you can pay for your purchases in installments, rather than paying the entire amount upfront. Usually, the purchase amount is split into affordable payment milestones over a certain number of weeks. There may or may not be interest charged, depending on the repayment term and service you use. However, you do have to incur late fees if you don’t pay the installments on time. 

Buy Now Pay Later is growing as a popular payment option. Especially for the high ticket items which otherwise burn a hole in your pocket. It also is cheaper than a credit card repayment which can cost you much interest rates as high as 16% for delays. 

It has also become more convenient to pay with several market players offering an easier interface and ability to automate repayments from your bank account. Affirm,AfterPay, Klarna and Paypal are some of the most popular Buy Now Pay Later services. But do all these services work with Chime? Let’s see this in detail.

Buy Now Pay Later Apps That Work With Chime (including Affirm, AfterPay, Klarna, Sezzle)

Buy Now Pay Later ServiceDoes it Work with ChimeRemarks
AfterpayYesNo issues reported
AffirmYesNo issues reported
KlarnaNoSome users are able to use Klarna with Chime Credit Builder Card
SezzleYesNo issues reported
QuadPay (now called Zip)YesNo issues reported

1. Afterpay – Does it Accept Chime

Afterpay is one of the popular Buy Now Later Apps founded in Australia. Afterpay accepts Chime as a payment method and you can add Chime Debit Card to make payments in AfterPay. There have been no issues reported by customers in using Afterpay with Chime and it seems to be working well to pay your Afterpay loan from your Chime account. 

As AfterPay accepts all major debit and credit cards, you can add  the Chime Debit card in the Afterpay app- either setting it up as a method of automatic payment when your instalment is due. Alternatively, if you are paying manually on the due date, you can still do so using the Chime Card using the “Pay Now”option.

Afterpay has been recently acquired by Square Inc (owner of Cash App) in 2021. 

To add Chime Card in Afterpay, follow the steps below

  1. Log in to Afterpay app or website
  2. Next select – My Account
  3. Next tap on – Billing (Icon looks like card)
  4. Next tap – Add Payment Method 
  5. Enter the Chime Card Details and follow the steps 

2. Klarna – Does it Accept Chime

Klarna is a major Buy Now Pay Later service with presence in more than 15 countries, which is a product of a Swedish company. 

Klarna does not accept Chime and there have been multiple issues reported by users when attempting to use Klarna with Chime. However, some users have been able to link the Chime Credit Builder Card successfully with Klarna.

This is actually surprising as Klarna website does mention it accepts all major debit and credit cards (issued by Mastercard, VISA, AMex). However, it does not seem to support Chime debit cards, if you go by the practical experience. Even when the Chime debit card is on the Visa network. So it is not clear as to why this is an issue and could be resolved in future.

However, there is a silver lining. You may be able to use Klarna, if you have a Chime Credit Builder Card, which is a secured credit card offered by Chime. While it is not a foolproof method, many users have been able to use Chime Credit Builder cards successfully with Klarna. 

For adding Chime Credit Builder Card in Klarna, follow the steps below:

  1. Log in to the Klarna app on your phone
  2. Next select the ‘Payment methods’ option under your ‘My Klarna’ settings.
  3. Choose to ‘Add a card’
  4. Enter your Chime Card details

3. Affirm- Does it Accept Chime

Affirm is another immensely popular Buy Now Pay Later Service from an American fintech company. Does Affirm accept Chime? Yes, you can use Affirm with Chime and link your Chime Card in Affirm without any issues.  Affirm allows you to add a checking account or a debit card as a payment method. So you can either add your Chime bank account or Chime debit card in Affirm. 

To add Chime on Affirm, just go to the Person icon on the Affirm home page >  Next go to Settings >  Next tap on Payments Method tab and select either ‘Add Bank Account (ACH) to add a Chime bank account or ‘Debit Card’ to use your card details to link Chime.

4. Sezzle– Does it Accept Chime

Sezzle is another growing Buy Now Pay Later Service which works well with Chime. There are no issues reported by users who have been using Sezzle with Chime.

Sezzle allows you to add all major Credit Card/Debit Card and bank accounts as a payment method. So you can add your Chime Debit Card or link your Chime Bank account (using online banking details). However, do note that Bank Accounts do not work for the first instalment as per Sezzle terms.

So here you are better off if you simply add the Chime Debit Card.

To add Chime Debit Card in Sezzle, follow the steps below

  • Navigate to Payment Methods within your Sezzle dashboard
  • Tap on “Add a new debit/credit card” 
  • Next input your Chime Debit card details
  • Once added, you can set all future installments to be charged to Chime, by simply selecting it and clicking on “Set as default” option

5. QuadPay (now called Zip)- Does it Accept Chime

QuadPay is another Buy Now Pay Later service that works very well with Chime. QuadPay allows you to add a debit card attached to a bank account or Credit Card (no prepaid cards) as a payment method. Since Chime debit card is issued either by The Bancorp Bank or Stride Bank, who are the Chime banking partners, it can be added to make your payments in QuadPay.

To add Chime Debit Card in QuadPay (Zip), follow the steps below:

  1. On the Dashboard, next to “Saved Cards” click “Add”
  2. Next enter the details of Chime Debit Card
  3. Next tap on “Save”


So most of the popular Buy Now Pay Later Apps seem to be working fine with Chime. Whether it is Affirm, AfterPay, QuadPay, Sezzle etc. they all work fine with Chime App. Klarna can be a little difficult but you can certainly try and use a Chime Credit Builder Card for a better chance of success with Klarna. Hope this post was useful to you.

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