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The title identifies a historical ZDNET comparison by Erin Gobler, but the available source material does not establish which six apps it selected, how it ranked them, or what its category winners were. It would be misleading to invent that list. What can be established is how to assess a BNPL service safely—and why a 2022 recommendation should not be treated as a current one.
What is known about the 2022 “six best” list
Search results identify Erin Gobler’s ZDNET article, “The 6 Best Buy Now, Pay Later Apps of 2022.” They do not provide the full article, its complete app list, its methodology, or its category winners. A secondary summary is not reliable enough to fill those gaps, so no provider is named here as one of ZDNET’s six picks. Source information
That distinction matters because the title is explicitly a 2022 comparison. Fees, eligibility rules, repayment options, credit inquiries, limits, and availability can change. The available material does not verify current provider terms, so it cannot support a current ranking or identify which app has the lowest fees.
How to compare a BNPL service before using it
Review the provider’s official terms for your country and the date you plan to use it. Compare the entire obligation—not just the installment amount—and check how the service handles problems after purchase.
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#1 Best Overall
SUNEE Budget Planner - Monthly Budget Book with Expense Tracker Notebook, Undated 12 Month Bill Organizer & Finance Planner to Manage Your Money, A5(6.4" x 8.3") Account Book with Colorful Tab, Black
- Effective Budget Plan Book – Take control of your finances with the SUNEE budget account book. This all-in-one budget planner allows you to plan and track your income, expenses, savings, and financial goals. Its intuitive layout and easy-to-use sections help you stay organized and make smart decisions to reach financial success. Our financial planner also included a comprehensive guidebook with valuable tips and instructions to help you get the most out of your budgeting planner.
- Full-Page Calendars – Each month’s full-page calendar provides plenty of space to track paydays, bills due dates, appointments, and important events. No more cramped boxes or tight writing areas, you can easily plan and organize your schedule at a glance.
- Colorful Pages Layout and Tabs – This vibrant budget planner features a user-friendly design for easy navigation and organization. Each month includes dedicated budget pages to set financial goals, track income, and plan expenses. Additional sections like debt trackers, savings goals, and bill payment trackers make managing your finances a breeze. The colorful backgrounds on each page offer clear, instant visibility.
- Bonus 4 Stickers and Convenient Design – This monthly budget planner is built for convenience and durability. Water-resistant cover protects against spills, while the elastic band keeps everything secure, and the dual-sided pocket offers extra storage. Plus, we’ve included 4 adorable sticker sheets to personalize your planner and make budgeting more enjoyable. Experience a budget planner that combines practicality with lasting quality.
- UNDATED DESIGN & 1 YEAR USE - Undated finance books start with 1 page-financial goals, 1 page-Mind Map, 1 page-Financial Strategy, 1 page-Tactics, 2 pages-Important Dates, 4 pages-Bill Tracker, 4 pages-Saving Tracker, 8 pages-Debt Tracker, followed by 12 Months(10 pages per month, 1 unique color for each month). 2 pages-Christmas Budgeting, 2 pages-Yearly Summary, 2 pages-Check Register and 12 pages-Notes(dotted). It is UNDATED, so you could start at any time, suitable for 1 year use.
- Repayment schedule: Confirm the number of payments, their intervals, the first due date, and whether the provider also offers longer-term credit.
- Total cost: Check interest and every disclosed fee, then calculate the full amount due for the purchase. A small installment does not establish that the transaction is inexpensive.
- Missed payments: Find out whether a late fee may apply, whether your account can be restricted, and what collection steps the provider discloses.
- Eligibility and credit checks: Read the exact application language. A soft inquiry and a hard inquiry are different; neither guarantees approval or establishes that a product will build credit.
- Returns and billing disputes: Check how to report a problem, whether payments continue while a merchant return is processed, and how refunds or disputes are handled.
- Where it works: Verify country availability and whether the service can be used online, in stores, or both.
- Payment tracking: Make sure you can see upcoming due dates and balances. Also account for obligations with other BNPL providers, which may not appear together in one place.
Why repeated BNPL borrowing deserves attention
The Consumer Financial Protection Bureau’s January 2025 report examined matched application and origination data from six large firms: Affirm, Afterpay, Klarna, PayPal, Sezzle, and Zip. Its underlying usage figures describe 2022, not current use.
- 21 percent of consumers with a credit record financed at least one purchase with one of those six firms in 2022, according to the CFPB’s 2025 report. This is not a rate for all U.S. adults or all app users. CFPB report
- The average number of annual originations per borrower rose from 8.5 in 2021 to 9.5 in 2022, according to the CFPB’s 2025 report. CFPB report
- The CFPB also reported that more than one-fifth of consumers with a credit record used BNPL loans in 2022, and most of those consumers had subprime or deep-subprime credit scores. CFPB report summary
These are aggregate historical findings, not evidence that any particular borrower will take out multiple loans or that an individual provider’s terms are suitable. They do reinforce a practical rule: list every active BNPL balance and due date alongside other bills before agreeing to another payment plan.
Rank #2
Taja Budget Planner, Undated Budget Book with Expense Tracker, 6.9" x 9.9"
- Effective Budget Planning - Take control of your finances with the budget account book. This comprehensive planner allows you to plan and track your income, expenses, savings, and financial goals in one convenient place. With its intuitive layout and easy-to-use sections, you can stay organized and make informed decisions to achieve financial success.
- User-Friendly Layout - The budget planner features a user-friendly layout designed for easy navigation and organization. Each month, you'll find dedicated budget pages where you can set financial goals, track your income, and plan your expenses. Additional sections include debt trackers, savings goals, bill payment trackers, and more, making it simple to stay on top of your finances.
- Undated Monthly Calendar & Bonus Stickers - Featuring undated calendar each month, you'll have ample space to mark paydays, bills due, appointments, and important dates. Say goodbye to difficult writing spaces. Plus, we've included 3 cute sticker sheets that allow you to personalize your financial organizer and make budgeting more fun. Dates are not pre-printed and are completed by the user.
- Reliable and Convenient Design - Our monthly budget planner is designed for your convenience and built to last. The elastic band keeps everything securely in place, and the dual-sided pocket provides extra storage. Experience a budget planner that combines practicality and durability.
- Master Budgeting with Ease - Our financial planner includes a complete guidebook that provides valuable insights and instructions for optimal usage. From setting financial goals to tracking expenses, this guidebook offers step-by-step guidance and practical tips. Whether you're new to budgeting or an experienced user, this resource will help you make the most of your budget planner, empowering you to achieve financial success.
Regulatory context is not a substitute for checking the terms
The CFPB says it withdrew several guidance documents on May 12, 2025, including its 2024 BNPL Interpretive Rule. Do not treat that interpretive rule as current operative CFPB guidance. The withdrawal does not establish that all federal or state requirements disappeared; legal obligations depend on jurisdiction and require jurisdiction-specific verification. CFPB BNPL resource page
Independent reader supportYour contribution helps us test, update, and keep practical guides available for everyone.What this means if you are choosing an app now
A 2022 “best” label is not a present-day recommendation. Before signing up, compare official disclosures for your location, work through the total repayment amount and calendar dates, and consider whether the purchase fits your budget without relying on a new loan to cover another one. The available evidence supports those checks; it does not support naming a current winner or reconstructing ZDNET’s six historical selections.
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Quick Recap
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SOLIGT 8.5 x 11 inches Large Budget Planner and Monthly Bill Organizer
- Keep Track of Your Finances: Manage your personal and family’s finances with this monthly budget planner! Intuitive, comprehensive and fun, this budgeting planner allows you to keep track of your debts, expenses and bills, organize your spending and saving and optimize your budget for achieving your financial goals!
- Large Budgeting Planner: Our budget notebook features a large design of 8.5 x 11-inch that provides enough space for budgeting, financial planning and spending tracking but also for monthly reviews and building strategies for optimizing your budget!
- Well-Organized for Your Convenience: This budget book planner features an easy yet efficient template that includes a monthly budget with customizable categories, a debt tracker, a bill tracker, an expenses tracker as well as a section for financial goals and monthly review that will make things easier when it comes to budget planning!
- 12-Month Budget Management: Our budgeting book features a spiral-bound hardcover design made with high-quality 120gm thick paper and a 12-month undated design that allows you to start budget planning at any time of the year!
- Chic, Practical, Giftable: Featuring a superb boho cover and packed in a matching gift box, this budget book journal makes a lovely gift for a friend, family member or co-worker! The budget journal includes a special pocket for bills, receipts or other documents and comes with 5 stickers that will make your planning more fun and effective!
Rank #4
Monthly Budget Planner with Expense Tracker Notebook, B5 (7.3" x 10.15")
- ALL-IN-ONE B5 BUDGET PLANNER: With 15+ Functional Inserts –it covers every money-management pain point for beginners & pros. Stop juggling messy notebooks or incomplete trackers! The budget planner includes, monthly budget, bill expense detail, debt tracker, bill tracker, saving tracker...matches 90% of "how to manage money" search queries
- DURABLE BUDGET BOOK: Our budget organizer features a PVC waterproof cover and elastic band—no more ruined pages, made of 100GSM thick paper—no smudges or ghosting, coming with a heavy-duty double spiral binding—lays flat for easy writing. Built for daily use: toss it in your work bag, backpack, or purse without worry
- CONVENIENT B5 SIZE (7.3”X10.15”): No more choosing between "too small to write" or "too bulky to carry"! The B5 budget planner gives ample space to log expenses, note bill due dates, or map financial goals—without being cumbersome. Fits easily in laptop bags, backpacks, or purses—perfect for "on-the-go budget tracking
- UNMATCHED VALUE & COMPREHENSIVE GUIDEBOOK: Comes with 5 practical, high-quality freebies crafted, plus a comprehensive user guide that takes the guesswork out of financial planning. You’ll get: PVC waterproof colorful monthly tabs & wide range of label stickers, a ribbon bookmark, an elastic pen holder, a elastic band, an inner pocket, and a detailed step-by-step user guide handbook
- VISUAL CLARITY & LESS FATIGUE: Unlike plain black-and-white budget planners, our vivid color highlights reduce eye strain during long budgeting sessions, helping you track expenses, savings, and bills quickly and accurately. It’s the perfect fit for working professionals, international students, family financial managers, freelancers, new graduates, retirees
Rank #3
Taja Aesthetic Budget Planner & Monthly Bill Organizer, Undated Budget Book
- Effective Budget Planning - Take control of your finances with the budget account book. This comprehensive planner allows you to plan and track your income, expenses, savings, and financial goals in one convenient place. With its intuitive layout and easy-to-use sections, you can stay organized and make informed decisions to achieve financial success.
- User-Friendly Layout - The budget planner features a user-friendly layout designed for easy navigation and organization. Each month, you'll find dedicated budget pages where you can set financial goals, track your income, and plan your expenses. Additional sections include debt trackers, savings goals, bill payment trackers, and more, making it simple to stay on top of your finances.
- Undated Monthly Calendar & Bonus Stickers - Featuring undated calendar each month, you'll have ample space to mark paydays, bills due, appointments, and important dates. Say goodbye to difficult writing spaces. Plus, we've included 3 cute sticker sheets that allow you to personalize your financial organizer and make budgeting more fun. Dates are not pre-printed and are completed by the user.
- Reliable and Convenient Design - Our monthly budget planner is designed for your convenience and built to last. The elastic band keeps everything securely in place, and the dual-sided pocket provides extra storage. Experience a budget planner that combines practicality and durability.
- Master Budgeting with Ease - Our financial planner includes a complete guidebook that provides valuable insights and instructions for optimal usage. From setting financial goals to tracking expenses, this guidebook offers step-by-step guidance and practical tips. Whether you're new to budgeting or an experienced user, this resource will help you make the most of your budget planner, empowering you to achieve financial success.
Product prices and availability are accurate as of the date/time indicated and are subject to change. Any price and availability information displayed on Amazon at the time of purchase will apply.
