The Finder Customer Satisfaction Awards are decided by the everyday users of each platform. We asked customers of the largest Buy Now Pay Later (BNPL) providers to tell us about their experiences. Now we can reveal what they said.
The winners are based on consumer ratings across 5 metrics: features and benefits, customer service, fees & interest rate, and the consumer's overall experience, as well as recommendation score (the percentage of customers who said they would recommend the brand to a friend).
Humm ranked number 1 for the BNPL category this year, with 95% of users saying they'd recommend the provider to friends. Its overall customer satisfaction rating was 4.47 out of 5.
In very close second is our first finalist, Bundll. 96% of those surveyed would recommend it to a friend, and its overall score was 4.4 out of 5.
The global payment platform's launch into the BNPL space comes in as our second finalist, with PayPal Pay in 4 receiving 4.42 out of 5 overall and 86% of those surveyed saying they would recommend it to a friend.
| Overall satisfaction | Customers who'd recommend | Platform | Review | |
|---|---|---|---|---|
| ★★★★★ 4.47/5 | 95% |  | Humm allows quick access to its payment scheme for purchases under $2,000 and you can apply for purchases of up to $10,000. It scored high across all our categories, especially when it came to Fees and Interest. | Read our review |
| ★★★★★ 4.46/5 | 96% |  | Bundll allows wide access to its service, where it is able to be used anywhere that accepts Mastercard. Its default plan allows purchases up to $1,000, and it topped the category when it came to "would recommend" with 96% of customers saying they'd refer a friend. | Read our review |
| ★★★★★ 4.42/5 | 86% |  | PayPal's Pay in 4 launched in 2022 and is able to be used for purchases up to $2000. It ranked high across Customer Service, as well as Features and Benefits. 86% of those surveyed would recommend it to a friend. | Read our review |
| ★★★★★ 4.37/5 | 95% |  | Laybuy works via 6 weekly repayments, and allows customers with imperfect credit scores. 95% of those surveyed would recommend it to a friend. | Read our review |
| ★★★★★ 4.33/5 | 85% |  | Zip Pay is another popular entrant, which allows customers to use its service across storefronts, as well as through BPAY. 85% of those surveyed would refer a friend. | Read our review |
Finder worked with leading insights company Dynata to survey nearly 20,000 Australians across almost 200 categories for our Customer Satisfaction Awards program.
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