Best buy now pay later apps - With our shopping app you can browse stores, brands, products, discounts, and gift cards across.

 
The amount of credit you qualify for depends on your credit profile and if you miss a payment with Klarna you&x27;ll pay a late fee of up to 7 per missed payment. . Best buy now pay later apps

With its mobile application, you can access Amazon products, add them to your cart, checkout, and split the purchase into four convenient payment schedules. Customer Buy Now Price. The app gives you up to 18 months to pay. Discover the 7 best Buy Now Pay Later (BNPL) apps offering convenient and flexible payment options with no credit check. The Atome app does all the work for you so you&x27;ll never miss a payment again. In other words, BNPL apps are here to stay and it&x27;s time that your eCommerce company gets on board. Feb 15, 2024 Read our Zip review to learn more about how to buy now, pay later with Zip. Click on the ZIP icon on the Home Screen. They allow the user to shop, often, at no. In-store shopping. Zest Money. Sezzle was founded in 2016 and has become one of several players in the BNPL industry. Welcome to the Buy Now Pay Later Subreddit. SplitIt is changing things up in buy-now-pay-later by allowing shoppers to use their very own credit cards to pay via small, monthly installments. Apply Now. Buy Now, Pay Later. While credit cards do charge interest, they often offer rewards and cashback, which can offset some of the costs. Last Updated December 11, 2023. By Storeplum Editorial. But, instead of paying upfront, you split the cost of the items over your next two. Avoid using credit cards. Get the App. You must be aged above 18 years. Compare the best Buy Now Pay Later apps in India of 2024 for your business. Affirm is worse actually unless you finance a big purchase. Posted Wednesday, Jul 12, 2023 4 min read. Affirm&x27;s interest rates typically range from 0 to. Deferit Deferit is a bill budgeting and payment platform that has helped over 550,000 people improve their cashflow and pay bills in installments. Cons Both the business owner and the customer will likely pay a bit more. Answers; E-commerce payments; How to Add Buy Now Pay Later to Your Shopify Store Step-by-Step Guide. There is also a monthly installment option for larger purchases, which is subject to interest. Shop now, pay later and choose flexible payments, lightning-fast checkout and secure shoppingat 20,000 partner stores. 99 APR offered periodically. How much does buy now, pay later cost Merchants using Afterpay get paid in full at the time of purchase, minus a processing fee on the total order. Affirm at a glance. Best for wide acceptance and ease of use PayPal Pay in 4. 90-day purchase options cost more than the retailer&x27;s cash price (except 3-month option in CA). Everything you need to know about the most popular buy now, pay later apps CNBC Select reviewed the most popular buy now, pay later apps to help you decide which one is best for your shopping. Credit Cards. The interest rates can be as low as 0 for 18 months for those who qualify. Sezzle Mobile. You can shop anywhere in India at your favorite merchants. The Fingerhut Credit Account is a great option for anyone with poor credit who needs a few items they can buy now and pay for later. Mar 25, 2022 Alternatives to buy now, pay later apps include credit cards with an introductory 0 rate and personal loans that give you a longer time to pay back funds. Receive an invoice for your full order with up to 30 days to pay the full amount. To apply to BNPL BillEase you will need the latest proof of income, proof of billing and one valid government ID to be eligible for the buy now pay later feature. Also Read Top 8 Best "Buy Now Pay Later" Apps in the US; How to Fix if Facebook Pay Not Working Amazon Pay Later Service in India Rolling Out With up to 60K INR Limit;. Users can apply for Apple Pay Later when they use. Jan 4, 2023 Here are our picks for the best buy now, pay later apps Best overall Affirm. COMPARE The best buy now, pay later apps. With our shopping app you can browse stores, brands, products, discounts, and gift cards across. Best buy now pay later apps for customers 1. Apple Pay Later is a buy now, pay later solution that works with Apple Pay, and can be used anywhere Apple Pay is accepted. Get the Best Experience. 000, if borrower pay back in due time. 29, 2024 (GLOBE NEWSWIRE) -- The "Key Payments Trends for 2024" report has been added to ResearchAndMarkets. 3 Some merchants may only be eligible to offer customers up to 6 months of interest-free monthly installments. Founded in 2015 with headquarters in Melbourne, Australia, Afterpay is best known as one of the leading "buy now, pay later" apps. Now let us take a look at the top BNPL apps in India. Feb 15, 2024 Read our Zip review to learn more about how to buy now, pay later with Zip. Everything you need to know about the most popular buy now, pay later apps CNBC Select reviewed the most popular buy now, pay later apps to help you decide which one is best for your shopping. Klarna and other BNPL services are increasingly. You can earn easy interest for 14 days and use the credit provided by PayLater apps. Here are six red flags to watch out for. The pay-in-four is interest-free, while plans of six, 12 or 24 months. However, some of the most user-friendly and widely used BNPL apps include Afterpay. The remaining 4. Buy now pay later, with Afterpay. However, if it is your first time knowing about the Buy Now Pay Later service, you may be wondering how it works, and what the best BNPL in Singapore choices are. The maximum age of eligibility in some cases can be up to 55 years. The following BNPL apps are solid alternatives to Klarna and offer 0 interest and Pay in 4 plans at many online stores. Fees Up to 36 APR based on credit for monthly payment plans, no fees for Pay in 4. Shop Pay. Buy now, pay later arrangementsalso known as BNPL plansmay be convenient, but don&x27;t forget that they&x27;re loans. To determine whether Klarna or Affirm is the best buy-now-pay-later app, we analyzed the features of each service, interest rates, fees, and more. , on Nov. Repayment options Pay in 4 or Pay in 1. Use PayPal&x27;s Buy Now Pay Later App to pay at your favorite retailers. Currently, customers can make three interest-free payments or automatic re-payments. Of course, it would be a crime to skip BillEase It was released around 2017, from which the company only continues to grow. Why Sezzle will be your favorite Buy Now, Pay Later Buy now and pay over time Build your credit for free Easy rescheduling and budgeting Get access to exclusive deals BUY. Afterpay at a glance. The buy now pays later apps are the apps that help you buy the needful items right now and then pay later as per a given period. Track and manage your repayments in-app, and feel just fine whenever its payment time. In addition to the popular buy now pay later apps in India, there are several other apps that are well-regarded worldwide for their features, benefits, and user-friendly experience. 99 - 29. With Carbon Zero you don&x27;t have to pay for your favorite item outright, you can pay in installments over six months. FavePay Later. Best Buy Now Pay Later Apps Overall. Amount paid. Afterpay offers app-only shopping benefits to give you more access to the brand deals you love. Shop stress-free and pay over time with flexible payments. Use the Klarna app to buy now and pay later in physical storesand keep track of. With Apple Pay Later in Wallet, users can easily see the total amount due for all of their existing loans, as well as the total amount due in the next 30 days. These data points were . Carbon Zero is a Buy Now Pay Later product of Carbon, a digital bank in Nigeria for getting instant loans in Nigeria, paying bills, transferring money, and enjoying high-interest savings plans. 50 depending on the purchase price and Zip product used. Buy now, pay later at Walmart. Shop now, pay later and choose flexible payments, lightning-fast checkout and secure shoppingat 20,000 partner stores. People who live on credit cards are often facing intense pressure from increasing rates, struggling with low savings, and lack of motivation for future planning. You can also choose whether or not to offer 0 interest loan financing, how long. Best Places to Buy Large Appliances. There&x27;s a reason the Afterpay app has over 700k 5-star reviews. Here Are The Top 7 Buy Now Pay Later Apps In India 1. But, instead of paying upfront, you split the cost of the items over your next two. Select a Pay Later offer at checkout, Pay in 4 or Pay Monthly, for qualifying purchases. 65 fee. Splitit powers the next generation of Buy Now, Pay Later (BNPL) through our merchant-branded Installments-as-a-Service platform. " You made the purchase easy with good credit limit and authorization was quick. Moreover, your loan can be as long as 12 months. Buy Now Pay Later Shopping online with pay later apps is always convenient. 50 is included in your future payments. Buy Now Pay Later - October 13th. Comparing first-time installments users, Shop Pay Installments has a 122-second checkout time versus a 167-second average checkout time on third-party solutions, which makes our buy now, pay later product 27 faster. Key Takeaways. No catch, just guilt-free spending. The payment plan is flexible depending on the total purchase amount and can be anywhere between 12 to 24 months. Tap on the Afterpay merchant carousel. Compare the best Buy Now Pay Later apps in the USA of 2023 for your business. Afterpay reports a 30 increase in average basket size for U. While Affirm doesn&x27;t charge hidden fees, they have a 10. 5 Best Buy Now Pay Later Apps in UK 2022 Summing Up Apps Like Zilch As there are a lot of apps available out there, it can be difficult for you to select one of them. Cashe is a financial services app based in India that offers various financial services such as personal loans, credit cards, and insurance. Shop your favorite brands and pay with your linked account in 4 installments over 6 weeks. Plus, unlock exclusive offers as low as 0 APR. Best buy now pay later apps for customers 1. I&x27;ve used 3 different buy now-pay later apps, Klarna, Affirm & Afterpay. One of the best buy now pay later apps like Quadpay that I recommend you can use is Klarna. Afterpay Best for encouraging responsible spending. Tell us how much you want to spend at Best Buy and request a one-time-use virtual card. Jan 4, 2023 Here are our picks for the best buy now, pay later apps Best overall Affirm. Buy Now, Pay Later (BNPL) apps allow you to finance your items instead of paying the full price upfront. If you&x27;re looking for high-end designer handbags and accessories, consider shopping the LuxeDH instant credit catalog. Why we picked it Ubiquity matters with Buy Now Pay Later, and youll see a lot more of PayPals Pay in 4 than you will any other BNPL option because it. Others, like PayPal Credit, are great because lots of stores use PayPal. Like credit cards, the buy now pay later (BNPL) model is all about disbursing small-ticket loans to users in the form of a free credit line. FavePay Later. Some of the best buy now pay later apps overall, based on user reviews and ratings, include. To use the LazyPay app, you must be 22-55 years old and be a. Pay monthly allowing you to pay an initial deposit of just 25pp for flights and your hotel (15pp for only hotel booking), then repaid in equal monthly instalments. And, globally, BNPL accounted for about 2. A 6 installment fee is charged. Yes, we have an app. It&x27;s an approach to making purchases that can. Whether you choose to pay now, split your purchase or pay later, you get a complete overview of all your purchases and finances. Read our Affirm review to learn more about how to buy now, pay later with Affirm. Find the highest rated Buy Now Pay Later apps in Canada pricing, reviews, free demos, trials, and more. Download the app and create your profile. Step 1 Use The Sliders To Select The Loan Amount & Term. Regular discounts on retailers. Sep 12, 2022 No interest charges. The idea is to make an order without having to pay at the moment. Flip through our directory of merchants, and check out with Mintpay across a. Full Review of PayPal. Compare the best Small Business Buy Now Pay Later apps currently available using the table below. Buy now pay later options make it easy to purchase on a loan and pay installments without interest rates. Like credit cards and traditional loans, buy now, pay later (BNPL) financing offer flexibility. Splitit - Buy now, pay later with no. Affirm Best overall. Buy now, pay later (BNPL) is a type of short-term financing that lets your customers pay for purchases over time, often with zero or low-interest rates. For example, Zebit lets you pay up to six months, Affirm and Afterpay. Top 3 Buy Now Pay Later Apps in Philippines 2023 1. The app gives users the ability to shop and pay at thousands of stores. 90-day purchase option. Citizens Pay is the smarter way to shop. Em 2020, 2,1 das compras feitas ao redor do. Apple is the newest entrant into the buy now, pay later space. Buy now pay later, with Afterpay. Low account keeping fee. Split your purchase. This publicly-traded fintech firm offers BNPL deals on big-ticket items like mattresses, electronics, and travel. According to a report by GlobalData, transactions made through Buy Now Pay Later services accounted for 2 of every 100 purchased online in 2021. 00 Up to 2,500 4 installments over 6 weeks (0. Select a Pay Later offer at checkout, Pay in 4 or Pay Monthly, for qualifying purchases. Credit cards;. Choose payment. The better way to pay for life&x27;s bigger buys. To cancel lease or purchase early call 877-898-1970. Google Sezzle Rescheduling payments 0 to 34. It is one of the best Buy Now Pay Later apps available in 2022 as it does not charge any fees; even when you are late in paying your loan or miss an installment, this credit-based app does not charge fees to its users. 2 from 2019 to 2026. Curated round-ups. Users also have the option to make weekly payments which can make things less complicated as compared to monthly payments. Wisetack Best for. Moreover, a recent Buy Now Pay Later Market Report for 2022 projected that BNPL payments are expected to grow by 52. 20 Sources used. FavePay Later. It is one of the best Buy Now Pay Later apps available in 2022 as it does not charge any fees; even when you are late in paying your loan or miss an installment, this credit-based app does not charge fees to its users. How is "Buy Now, Pay Later" different from layaway. Sep 12, 2022 Now let us take a look at the top BNPL apps in India. Theres a 10 late fee if a scheduled payment is declined. Two Plus A Installment Management software facilitate to manage cashInstallment sales, down payments, stock, recovery and outstanding details. This online installment company has a unique featuresupporting unexpected purchases you might need to make on the spot, such as car repairs through YourMechanic. You can simply select Paypal as your preferred payment option on checkout. Buy now, pay later apps provide consumers with short-term financing for their purchases. Features Use UPI to Scan and Pay. They currently offer flexible repayment schedules of 3, 6, and 12 months. Customer experience 10. 50 is included in your future payments. Best Buy Now Pay Later Apps in Canada - 2024 Reviews & Comparison. NEW DEALS EVERY DAY. Table of. Plus, earn cashback when you shop and access the best deals. At first,. Three interest-free instalments. Buy now, pay later methods don&x27;t currently support Invoicing or Subscriptions. Loan amounts 500 to 10,000;. 0 for Pay in Four and Pay in 30. On average, 17 of consumers with a credit record used a BNPL platform to finance at least one purchase in 2021. Consumers can use buy now, pay later apps to shop, pay bills for services, buy groceries or finance a trip. 1 Customers can split purchases between 50 and 999. Some apps, like Affirm, are all about clear costs with no sneaky fees. Payment terms Pay in 4 (four payments every two weeks) or monthly installments. Compare the best BNPL apps for online shopping, including PayPal Credit, Splitit, Perpay, Klarna, and more. Regular users may use Zip Money for purchases between 1,000 and 5,000, while Zip Pay is accessible for transactions. Carbon Zero. CashE is one of the most straightforward Buy Now Pay Later lending options on the market. Customer service is slow. Shop freely, buy responsibly. OneCard is a fintech platform and credit card service that offers a pay later solution for students and young adults in India. The best buy now, pay later (BNPL) apps. Keep reading to find out. Splitit allows you to make small installments once every month that allow you to keep your overall credit usage low. Brands you love. Make simple and easy payments. In late May 2022 the bank launched "NAB now pay later". -Choose a smarter way to pay at your favorite stores. Jan 15, 2024 Apply for up to 30,000 with terms up to 60 months. You can even make early payments or extend your due date. - Buy now & pay later at your favorite stores. You&x27;ll have the option to spread the cost over 3, 6, or 12 months, giving you financial flexibility when planning your dream getaway. To use the LazyPay app, you must be 22-55 years old and be a. Shop for products in-store or online and choose Best Buy Financing as your payment option at checkout. 50 is included in your future payments. Pay in 4 (4 payments every 2 weeks) Pay in 30 days. Stay on top of your finances by activating push notification reminders. Shop as usual, then choose Afterpay as your payment method at checkout. 5 Best Buy Now Pay Later Apps in UK 2022 Summing Up Apps Like Zilch As there are a lot of apps available out there, it can be difficult for you to select one of them. 5 Best Buy Now Pay Later Apps in UK 2022 Summing Up Apps Like Zilch As there are a lot of apps available out there, it can be difficult for you to select one of them. 18, 2023. Go to site. If you choose a short-term. 2 Customers can pay monthly installments for orders between 150 and 17,500 USD. The payment plan is flexible depending on the total purchase amount and can be anywhere between 12 to 24 months. Wrapping Up- Enjoy Free Credit Line with Pay Later Apps. American Express. It caters to the electronic enthusiast and allows you to buy jewelry, home utensils, clothes, etc. Like other BNPL apps, it offers a Pay in 4 option. The best buy now, pay later apps include Affirm, Afterpay, PayPal Pay in 4, Perpay, Sezzle and Zip. Buy now, pay later (BNPL) apps, also known as pay-in-4 apps, let you divide your purchases into four interest free installments youll pay 25 upfront and 25. How it Works For Retailers Get the App. You can also choose whether or not to offer 0 interest loan financing, how long. Buy Now, Pay Later. BNPL Service. COMPARE The best buy now, pay later apps Apple Pay. 0 for Pay in Four and Pay in 30. 9 billion by 2024. Read our Buy Now, Pay Later Guide for more information. Open the Mobikwik app. The payment plan is flexible depending on the total purchase amount and can be anywhere between 12 to 24 months. craigslist list little rock, www craigslist org nc

Splitit Best for using existing credit. . Best buy now pay later apps

Zip gives savvy shoppers more freedom and flexibility with our buy now, pay later platform. . Best buy now pay later apps download comics

Credit Cards. 30 cents per transaction; 15 monthly minimum for merchants with less than 300 US of order processing volume within a 30-day period. Zest Money is a Buy Now Pay Later app providing zero-interest repayment for purchases. They offer payment options for a variety of categories, including fashion, beauty, and home decor. Our AI approval engine is the fastest in the market. Between 0 and 36 fixed, simple interest. Splitit Best for no credit check. Flex Pay. Check your email. No interest, no establishment fees. The best buy now, pay later apps include Affirm, Afterpay, PayPal Pay in 4, Perpay, Sezzle and Zip. For example, for a 335 purchase, youd make four 85. Buy now, pay later is a type of short-term financing that allows consumers to buy products and spread out payments over time, often with no interest. Carbon Zero. To make payments seamless, add Zip to your Apple Wallet or Google Pay for easy access, with amazing shopping at millions of stores&178;. Our AI approval engine is the fastest in the market. Please check with your Buy Now Pay Later customer support for more clarifications. Whether you choose to pay now, split your purchase or pay later, you get a complete overview of all your purchases and finances. Quick Approvals. 9 p. With Laybuy, you can spread the cost of your purchases over six weeks, making it easier to manage your. ZestMoney is a consumer lending company founded in Bangalore in 2015. Get the app. Clearpay lends you a fixed amount of credit so you can pay for your purchase over 4 instalments, due every 2 weeks. 6th Month Payment. Available loan amounts range from 50 to 1,000. Learn how to create a website. 65 fee per purchase is added. Download the app or sign in at affirm. Klarna Wins NZ's Best Value BNPL Provider. The right buy now, pay later (BNPL) apps can help you save money. Read on to find out the best Buy Now, Pay Later Apps of 2022. Just select Affirm at checkout, then enter a few fields of information. Step 2 Capture Your Data In The Online Form. December 17,. Your funding offer has been sent to you. Best buy now, pay later apps the pros and cons. For Use Online and in-person (with Afterpay card) Fees 4 to 6 plus 0. This buy now, pay later platform works by offering users the option to pay for purchases with four interest-free payments. Quick Approvals. You can get instant approval on extended repayment plans for both online and in-store purchases. The most well-known name on the list, PayPal, only recently launched its own BNPL product called Pay in 4. Buy now, pay later apps allow for deferred payment on today's purchases. Afterpay shares many similarities with Klarna. Sign In. This buy now, pay later platform works by offering users the option to pay for purchases with four interest-free payments. Looking for the best buy now, pay later apps Our top picks for this kind of financing are Sezzle, Klarna, Afterpay, Perpay and Splitit. Find out how they work, their pros and cons, and. com&x27;s offering. Buy now pay later, with Afterpay. Afterpay shares many similarities with Klarna. Klarna Best for earning rewards. If you are an apple user then you found the app on your apple store also with high number of customer. Best Buy Now Pay Later Apps in Germany - 2024 Reviews & Comparison. Freo Pay is a PayLater app which provides credit upto INR10,000 for purchase at any merchant online or online store. So, thats it on our list of best buy now pay later apps in India that you can use in 2022. Shop at Best Buy. Why we picked it Ubiquity matters with Buy Now Pay Later, and youll see a lot more of. Tabby is available to use with over 4,000 brands, including PAN Emirates, noon, IKEA, Nike, Namshi, Amazon, Bath & Body Works and more. Our editors are rounding up everything thats hot right now, all in one place. One of the leading mobile wallets and payment apps in India, Mobikwik also offers the Buy Now Pay Later service to its app users. Splitit - Buy now, pay later with no. Here Are The Top 7 Buy Now Pay Later Apps In India 1. The first option is a credit card offered by Best Buy. PayPal is a super well-known company that allows you to make payments and receive payments in a quick and convenient manner. They&x27;ll love you for it. You can start saving with as low as Rs. Advantages of Pay Later Apps. Buy now pay later apps are an essential part of any e-commerce business, as they can help to extend a products lifetime. Image Smiling young man holding a credit card and using laptop to look up buy now pay later apps. Offers an online marketplace with cashback rewards. Get the best deals and more time to pay at your favourite brands online and in-store. Zip charges a late fee5, 7, or 10, depending on the state of residence. You'll need to be a subscriber, however, which comes with a 7. Top Buy Now Pay Later Apps in India Buy now and pay later (BNPL) is a kind of a credit line where the service provider gives the subscriber a credit limit to make payments for an expense and the. Avoid using credit cards. Review your payment plan information and loan agreement details, then tap Agree & Continue. We compared the top buy now, pay later platforms on the market and weighed loan terms, APRs, late fees, credit limits, mobile app ratings, and more. For Use Online and in-person (with Afterpay card) Fees 4 to 6 plus 0. Dec 7, 2021 Buy now, pay later is popular this holiday season, from Affirm to Afterpay to Klarna. Create a shopper account 3. The maximum late fee is 68. For businesses and consumers alike, the ability to take away a product today and pay for it gradually over a period of time without suffering the heavy interest payments associated with credit cards is something they would now probably struggle to. 99 APR on monthly installments, with rates as low as 4. Browse stores. Dec 17, 2021 Here&39;s an initial look at seven of the best apps, all of which you can access on desktop or mobile. The best buy now, pay later apps for merchants will vary depending on many factors. INFORMATION ABOUT THE COST OF YOUR INSTALLMENT PLAN - Monthly interest rate ranges from 0 to 3. Buy now pay later services are often advertised as &x27;interest free&x27; or &x27;0 interest&x27;. There are a number of BNPL apps available in India, each with its own features and benefits. Of course, it would be a crime to skip BillEase It was released around 2017, from which the company only continues to grow. QVC is one of the versatile and best buy now pay later sites in the market. This makes Apple Pay Later the first BNPL. Other Buy Now, Pay Later Services. Instant Approval Top 5 Apps for Big Purchases in 2023 (Up to 10,000). If you&x27;re wondering what other apps are similar to. 99 APR. Moreover, a recent Buy Now Pay Later Market Report for 2022 projected that BNPL payments are expected to grow by 52. Latitude Pay is one of Australia's best buy now pay later apps that lets users spend up to 1,000 with their selected sellers. Customer service is slow. For example, for a 335 purchase, you&x27;d make four 85. Understanding Buy Now Pay Later (BNPL) is easy. QVC is one of the versatile and best buy now pay later sites in the market. Like the BNPL for business-to-customer (B2C) purchases, which we have been talking about, the B2B BNPL system is a short-term financing product that enables small businesses to make instalment payments. Buy now, pay later financing has become a popular way to float purchases big and small. Most New Zealand Buy Now Pay Later services offer between four and eight equally-spaced instalments, although provider policies will vary. Shop at thousands of retailers across the region, online or in-store. Real-time payments mean your money arrives in a flash. It also allows automatic EMI repayments for up to 12 months as per your convenience. Find out how they work, their pros and cons, and their fees and interest rates. Split payments into 4 easy installments, pay over 6 weeks, and enjoy shopping at millions of online and in-stores. Brought to you by M a u, a Senior Finance Marketing Specialist at e Digital. Consumers can use buy now, pay later apps to shop, pay bills for services, buy groceries or finance a trip. With our Buy Now Pay Later options, you can find the flights you want and pay later when you want, with a plan that best suits you. Klarna Best for large purchases. Find below the best Buy Now Pay Later companies, apps and software for your website, app or point-of-sale lending in 2024. Here top 3 Best Buy now pay later apps to make your life easier. Afterpay also proved to be the buy now pay later provider with the most satisfied customers in 2021, according to a Canstar survey of more than 2,000 Australian consumers. And since most Buy Now, Pay Later companies don&x27;t charge interest, it&x27;s a win-win-win for you, the lender, and the retailer. Account setup is a breeze. Freo Pay offers a credit of up to 10,000 for the buy now and pay later service. 99 for iPhone. Credit cards. and later on, you will have to clear those interests. No EMI on early repayments. . tuddy music download