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 is also cheaper than a credit card repayment, which can cost you interest rates as high as 16% for delays. 

It has also become more convenient to pay on BNPL apps, with several market players offering an easier interface and the ability to automate repayments from your bank account.

Affirm, AfterPay, Klarna, Sezzle 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

Buy Now Pay Later Service Does it Work with Chime Remarks
Afterpay Yes No issues reported
Affirm Yes No issues reported
Klarna No Some users are able to use Chime Credit Builder Card on Klarna
Sezzle No Does not support Chime Bank Account or Chime Debit Card
QuadPay (now called Zip) Yes No issues reported

Does Afterpay Accept Chime

Yes, 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.

It seems to be working well to pay your Afterpay loan from your Chime account. 

Afterpay is one of the popular Buy Now Later Apps founded in Australia.

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 installment 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 

Does Klarna Accept Chime

No, Klarna does not accept Chime and there have been multiple issues reported by users attempting to use Klarna with Chime. However, you may be able to link the Chime Credit Builder Card successfully with Klarna.

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

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 the future.

However, there is a silver lining. You may be able to use Klarna App 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. 

You can refer to this post for more details on using Klarna with Chime.

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

Does Affirm Accept Chime

The answer is- Yes, you can use Affirm with Chime. You can add your add your Chime bank account or Chime debit card as a payment method in Affirm to pay your BNPL installments. 

Affirm is another immensely popular Buy Now Pay Later Service from an American fintech company.

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.

Does Sezzle Accept Chime

Yes, you may able to make payments to Sezzle using your Chime Checking Account

Sezzle had earliest listed on its website that it does not support Chime Bank Account or Chime Debit Card (Bancorp Bank). However, this page has been updated removing Chime from its exclusions.

So you can try adding Chime Bank Account or Chime Debit Card in Sezzle App.

Do note that Sezzle only allows you to use a Debit or Credit Card for the first instalment. The remaining instalments can be paid using either the Card or Bank Account.

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

Does QuadPay (now called Zip) Accept Chime

Yes, Zip (QuadPay) is another Buy Now Pay Later service that works very well with Chime. You can add your Chime debit card (issued either by The Bancorp Bank or Stride Bank, N.A.), to make your payments in QuadPay.

QuadPay allows you to add a debit card attached to a bank account or Credit Card (no prepaid cards) as a payment method.

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”

Is Buy Now Pay Later a good option?

Buy Now Pay Later should not make you get into things that you feel too expensive otherwise. It is just a convenient option that helps you manage your cash flow.

It does not increase the affordability of a product. You have to pay later, with the payment schedule decided at the purchase itself. First, ask yourself- can you afford the total product price based on your overall budget and then only look at installment amount from a cash flow perspective.

A report says that more than half 57% of users regretted making a purchase through Buy Now, Pay Later because the item was too expensive.

So use it with caution with clarity of your budget. Don’t get clouded with the installment amount, but look at the overall price of the product when making the decision.


So most of the popular Buy Now Pay Later Apps to seem to be working fine with Chime. Whether it is Affirm, AfterPay, QuadPay, 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. With Sezzle too, there have been problems reported. Hope this post was useful to you.


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I have a passion for finance and technology. On this blog, I share helpful information on products and services that we use in our daily lives and simplify things I learned the hard way.

2 thoughts on “Buy Now Pay Later Apps that Accept Chime [Complete List]”

  1. I’ve tried to link my chime credit builder and chime spending debit cards to sezzle only to be told that these cards are not supported. Everywhere I read on the subject says that chime is accepted by sezzle. Can never chat with anyone bc it take so long for an agent to respond.


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