: Often used for higher-ticket items, offering longer-term loans (up to monthly plans). Unlike others, Affirm may perform a hard credit pull for certain loan types.
: Highly popular for hair extensions and wigs, particularly in Canada. Sezzle offers a "Virtual Card" that allows users to use BNPL even at retailers that do not have a direct partnership.
Retailers typically partner with established fintech platforms to offer installment plans. Key players identified in the 2026 market include:
: Often used for higher-ticket items, offering longer-term loans (up to monthly plans). Unlike others, Affirm may perform a hard credit pull for certain loan types.
: Highly popular for hair extensions and wigs, particularly in Canada. Sezzle offers a "Virtual Card" that allows users to use BNPL even at retailers that do not have a direct partnership.
Retailers typically partner with established fintech platforms to offer installment plans. Key players identified in the 2026 market include: