Compare Buy Now Pay Later in Austria

Only use BNPL for planned purchases you can repay within the interest-free window — check the revert-to-interest APR and whether missed payments affect your credit file.

20 live buy now pay later offers tracked across 17 Austrian providers, with prices from Price on request. Data current as of 1 November 2026 and updated daily from the Giraffy database.

Live offers

20 live offers compared from 17 providers. Updated daily.

Afterpay Austria Afterpay Austria

Price on request

  • Credit Limit: €1,000
  • Monthly Fee: €0/month
  • Interest Rate: 0%
  • Repayment Period: 14–60 days

Cetelem Ratenkauf AT Cetelem AT

Price on request

Cetelem AT installment purchase finance — used by major retailers.

  • Credit Limit: Up to €15,000
  • Monthly Fee: €0
  • Interest Rate: From 0% (promo) to 10.9% p.a.
  • Repayment Period: Monthly installments 3–48M

PayPal Jetzt kaufen AT PayPal Später bezahlen

Price on request

PayPal Pay Later — split purchases into 4 interest-free payments.

  • Credit Limit: Up to €1,500
  • Monthly Fee: €0
  • Interest Rate: 0% for 4 installments
  • Repayment Period: Pay in 4

BAWAG Ratenkauf BAWAG P.S.K.

Price on request

Installment payment from BAWAG P.S.K. — flexible 3–24 months.

  • Credit Limit: Up to €10,000
  • Monthly Fee: €0
  • Interest Rate: From 0–9.9% p.a.
  • Repayment Period: Monthly installments

Bunq Pay Later AT Bunq Austria

Price on request

  • Credit Limit: €500
  • Monthly Fee: €0/month
  • Interest Rate: 0%
  • Repayment Period: 30 days

Cetelem Ratenzahlung AT Cetelem AT

Price on request

  • Credit Limit: €2,500
  • Monthly Fee: €0/month
  • Interest Rate: 7.99%
  • Repayment Period: 6–60 months

easybank Ratenzahlung AT easybank AT

Price on request

  • Credit Limit: €1,000
  • Monthly Fee: €0/month
  • Interest Rate: 0%
  • Repayment Period: 30 days

Erste Bank Ratenkauf AT Erste Bank

Price on request

  • Credit Limit: €1,500
  • Monthly Fee: €0/month
  • Interest Rate: 0%
  • Repayment Period: 30 days

Klarna Ratenkauf AT Klarna AT

Price on request

  • Credit Limit: €2,000
  • Monthly Fee: €0/month
  • Interest Rate: 6.99%
  • Repayment Period: 6–36 months

Riverty Kauf auf Rechnung AT Riverty Austria

Price on request

  • Credit Limit: €1,500
  • Monthly Fee: €0/month
  • Interest Rate: 0%
  • Repayment Period: 30 days

Volksbank BNPL AT Volksbank AT

Price on request

  • Credit Limit: €1,500
  • Monthly Fee: €0/month
  • Interest Rate: 0%
  • Repayment Period: 30 days

Ratepay Austria Ratepay Austria

Price on request

  • Credit Limit: €2,000
  • Monthly Fee: €0/month
  • Interest Rate: 0%
  • Repayment Period: 30 days

ING Later Pay AT ING Austria

Price on request

  • Credit Limit: €2,000
  • Monthly Fee: €0/month
  • Interest Rate: 0%
  • Repayment Period: 30 days

Raiffeisen Später Zahlen AT Raiffeisen Bank AT

Price on request

  • Credit Limit: €1,000
  • Monthly Fee: €0/month
  • Interest Rate: 0%
  • Repayment Period: 30 days

N26 Installments N26 AT

Price on request

N26 card installments — convert purchases into monthly payments after checkout.

  • Credit Limit: Up to €5,000
  • Monthly Fee: €0
  • Interest Rate: 6.9–14.9% p.a.
  • Repayment Period: Installments (flexible)
  • Number of Instalments: 26

Bank Austria Kauf auf Rechnung Bank Austria AT

Price on request

  • Credit Limit: €1,500
  • Monthly Fee: €0/month
  • Interest Rate: 0%
  • Repayment Period: 30 days

Amazon Kauf auf Rechnung AT Amazon Kauf auf Rechnung AT

Price on request

  • Credit Limit: €1,500
  • Monthly Fee: €0/month
  • Interest Rate: 0%
  • Repayment Period: 30 days

Klarna Später bezahlen AT Klarna AT

Price on request

Klarna's Pay Later and Pay in 3 options for Austrian online shoppers.

  • Credit Limit: Up to €1,000
  • Monthly Fee: €0 for Pay Later
  • Interest Rate: 0% if paid in 30 days
  • Repayment Period: Pay Later (30 days) / Pay in 3

PayPal Pay in 3 AT PayPal Später bezahlen

Price on request

  • Credit Limit: €1,000
  • Monthly Fee: €0/month
  • Interest Rate: 0%
  • Repayment Period: 3 months
  • Number of Instalments: 3

Bank99 Teilzahlung Bank 99 AT

Price on request

Installment payment option from Bank99 (Post-Raiffeisen). Quick approval.

  • Credit Limit: Up to €5,000
  • Monthly Fee: €0
  • Interest Rate: 8.9% p.a.
  • Repayment Period: Monthly installments 6–36M

What is buy now, pay later in Austria?

Buy now, pay later (BNPL) lets shoppers in Austria split a purchase into instalments or defer payment, usually interest-free if paid on time, at online and increasingly in-store checkouts. It builds on Austria's long-standing culture of purchase-on-invoice (Kauf auf Rechnung), where paying after delivery is common, and adds structured instalment options through fintech and bank-backed providers.

How the Austrian market works

BNPL appears as a checkout option offered by fintechs and payment providers, alongside pay-by-invoice, which remains a favourite Austrian payment method. Typical structures are pay-in-30-days, pay-in-3 or longer instalment plans, with the merchant usually paying the provider's fee so short-term options are often free to the shopper. Longer instalment plans may carry interest and are treated as consumer credit, triggering affordability checks. Austrian consumers have historically been cautious about debt and comfortable with paying only after receiving goods, which is why Kauf auf Rechnung remains so entrenched and why BNPL adoption has grown mainly as a digital extension of that habit rather than a break from it. Providers run soft or hard credit checks depending on the amount, and unpaid balances can be handed to debt-collection agencies, so the convenience comes with real consequences if payments slip.

Benefits

Interest-free short terms — pay-in-30 or pay-in-3 options are typically free if paid on time.

Pay after delivery — invoice-based options let you check goods before paying, a familiar Austrian habit.

Budget spreading — larger purchases can be split into manageable instalments.

Fast checkout — quick approval without a full loan application for small amounts.

How to choose

Distinguish between free short-term deferral and interest-bearing longer instalments, and read whether late or missed payments trigger fees or reporting to the KSV1870 credit bureau. Check the total cost of any interest-bearing plan via its effective annual rate, keep track of due dates across multiple purchases, and only commit to amounts you can repay. Treat BNPL as a payment tool, not a way to overspend. Because it is easy to open several small plans across different retailers, the biggest risk is losing track of cumulative commitments, so it helps to keep all due dates in one place and to prefer the free pay-in-30 or invoice option over interest-bearing instalments unless spreading a genuinely large purchase.

Leading providers in Austria

Klarna and PayPal (Später bezahlen) are prominent BNPL and pay-later options at Austrian checkouts, alongside consumer-finance lender Cetelem and bank-backed instalment offerings from providers such as BAWAG P.S.K. and Erste Bank. They compete on merchant reach, instalment flexibility and whether short-term options are free to the shopper.

What it costs

Short-term pay-later options are usually free to the shopper when paid on time, with the merchant bearing the provider fee. Longer instalment plans may charge interest disclosed as an effective annual rate. Late fees can apply if you miss a due date, so the real cost depends on the plan type and paying on schedule.

Protections and regulation

Interest-bearing instalment BNPL is treated as consumer credit under the Consumer Credit Act and supervised by the FMA, requiring APR disclosure and, for larger or longer credit, creditworthiness checks; tightening EU consumer-credit rules are extending oversight of short-term BNPL. Consumers retain distance-selling and withdrawal rights on the underlying purchase. Missed payments can affect your KSV credit record.

Common questions

Is BNPL free? Short-term options usually are if paid on time; instalment plans may charge interest. Does it affect my credit? Missed payments can be reported to the credit bureau. Is it a loan? Longer interest-bearing plans are regulated consumer credit. Can I return goods? Yes, normal distance-selling and withdrawal rights apply.

Buy Now Pay Later in Austria — FAQ

What is the cheapest buy now pay later in Austria?

Compare 20 live offers on Giraffy and sort by lowest price to find the cheapest buy now pay later in Austria.

How many providers cover buy now pay later on Giraffy in Austria?

Giraffy tracks 20 live offers across 17 providers in Austria.

How often are compare prices updated?

Offer data is refreshed daily from the Giraffy database. Each compare page shows when data was last checked.

Can providers pay to rank higher?

No. Giraffy does not sell ranking placement. Results reflect your filters and sort order — default is lowest price.