Buy now pay later planner
Add your Klarna, Clearpay and PayPal Pay in 3 or Pay in 4 plans to see every payment by date, what’s due over the next month and the most a missed payment could cost on each.
Add a plan to see when each payment is due.
- Due on Sat 3 Oct
- £80
- The day you bought them
- Due 4 Oct to 3 Nov
- £110
- The next month, on 4 dates from 3 apps
- All the plans together
- £270
- 10 payments, the last on Thu 3 Dec
| Date | Plan | Amount |
|---|---|---|
| On the daySat 3 Oct | £80 | |
| Sat 3 Oct | Klarna Pay in 3payment 1 of 3 | £30 |
| Clearpay Pay in 4payment 1 of 4 | £30 | |
| PayPal Pay in 3payment 1 of 3 | £20 | |
| The next month4 Oct to 3 Nov | £110 | |
| Sat 17 Oct | Clearpay Pay in 4payment 2 of 4 | £30 |
| Sat 31 Oct | Clearpay Pay in 4payment 3 of 4 | £30 |
| Mon 2 Nov | Klarna Pay in 3payment 2 of 3 | £30 |
| Tue 3 Nov | PayPal Pay in 3payment 2 of 3 | £20 |
| After that | £80 | |
| Sat 14 Nov | Clearpay Pay in 4payment 4 of 4 | £30 |
| Wed 2 Dec | Klarna Pay in 3payment 3 of 3 | £30 |
| Thu 3 Dec | PayPal Pay in 3payment 3 of 3 | £20 |
What a missed payment could cost
Klarna Pay in 3£90
- One missed payment
- Up to £6
- Most on this plan
- £12
- No fee while Klarna tries again, up to twice in 14 days, but you can’t use Klarna until it’s paid.
- Still unpaid 14 days after the due date: a late fee of up to £6, and Klarna has to tell you first.
- If payment 2 fails, it’s added to payment 3, which becomes £60.
- Missed payments can go on your credit file.
Clearpay Pay in 4£120
- One missed payment
- Up to £12
- Most on this plan
- £24
- No fee if you pay by 11pm the day after the due date.
- Then £6, and another £6 if it’s still unpaid 7 days after the due date.
- Clearpay says missed payments may be reported to credit reference agencies.
PayPal Pay in 3£60
- One missed payment
- £0
- Most on this plan
- £0
- No late fees.
- PayPal reports missed payments to credit reference agencies.
Most in late fees across all these plans: £36.
These are the providers’ published maximums as of September 2026, for plans taken out from 15 July 2026. They’re not a quote: your own agreement sets what you’d pay.
The planner assumes each plan’s first payment is taken the day you buy, so that day counts as the first date. Klarna can take its first payment when the order ships instead, which moves its dates later. Klarna payments are 30 days apart and Clearpay’s 14 days apart. PayPal’s fall on the same date each month, and the planner uses the last day of a shorter month. The next month runs from the day after your first purchase to the same date a month later.
Why plans are easy to lose track of
Each plan runs on its own clock. Klarna’s Pay in 3 payments are 30 days apart, Clearpay’s four payments are two weeks apart, and PayPal’s fall on the same date each month. Buy three things on the same day and the payments soon stop lining up.
The planner starts with that example: £90 trainers on Klarna, a £120 jacket on Clearpay and £60 headphones on PayPal, all bought on Saturday 3 October 2026. That’s £80 on the day, then £110 on four different dates over the next month, from three apps, and £270 in all.
What a missed payment costs
The late fees are each provider’s published maximums for plans taken out from 15 July 2026. Klarna charges nothing for the first 14 days, then up to £6, and never more than £12 on one plan. Clearpay charges £6, then another £6 a week later, with no fees on orders under £24 and a cap of 25% of the order or £24. PayPal Pay in 3 has no late fees.
Fees aren’t the only cost. A missed payment can go on your credit file, and mortgage lenders such as Halifax ask about these plans. The guide goes through what each provider does day by day, what shows on your credit report and where to get free help if you can’t pay.