If you’re searching for affirm competitors or apps like affirm & Afterpay to finance a large purchase online. You are in the right place. There are various apps that enable you to make a buy now and then pay later.
Affirm is a well-known “shopping financial loan” company in the United States, allowing users to purchase products (from hundreds of businesses) & pay for them over time. Thus, it is one of the several “Buy Now Pay Later” available choices, which have recently begun to conquer the online shopping market.
Top 13 Afterpay & Affirm competitors
Despite Affirm is an excellent option, but there seem to be lots more Afterpay & Affirm alternatives available for you to explore!
1. Sezzle
One of the first apps like affirm & Afterpay on our list is Sezzle. Is an online store that sells a variety of products ranging from cosmetics to clothing to furniture and more. You can purchase these items with a credit card or a PayPal account. Sezzle also has a partnership with a few car dealerships. So, if you need a car repair, you can take advantage of this service.
Sezzle allows you to purchase any product or service and pay for it in four easy instalments. As long as you pay on time, your credit score is unaffected.
Pros:
• Easy and Secure Signup Process
• Get Your Products Now, Pay Later in Four Installments
• Fast and Affordable Shipping Options
• 24/7 Customer Support
Cons:
• Limited to US and Canadian Customers Only
• Merchant Participation is Required for Use
2. Splitit
Splitit is a straightforward apps like affirm that allows users to divide large bills into smaller payments. It works by taking a snapshot of your credit card’s current balance and then creating a new bill for each individual payment.
For instance, if you have $100 remaining on your card, it will generate a new bill for $50 and another for $50. The user has the option of paying off the entire amount at once or spreading out the payments over a longer period of time.
People who are having difficulty paying off large amounts of debt can use this feature to better manage their finances.
Pros:
• Easy to use and understand
• Safe way to make purchases with installments
Cons:
• Not available in all countries
• May not be accepted at all stores
3. Venue
Venue is the place to shop for premium brand products. Their products are divided into several categories, including electronics, fashion, housewares, kitchenware, and home items.
Venue.com has low prices, flexible payment plans, quick shipping, and excellent customer service.
Venue is a website that sells high-end products. It is regarded as one of the best apps like affirm because it provides high-quality products.
Pros:
• Offers Premium Brand Products
• Wide Variety of Products Available
• Convenient Shopping Experience Online
•Buy now and pay later feature
Cons:
• Shipping Costs Can Be High in Some Areas
4. Bread Payments
Bread Payments is a loan provider with low-interest rates. You are eligible for up to $10,000 in credit. Their annual percentage rate (APR) ranges from 0% to 24.99%. This is very similar to Affirm.
When you want to pay for things online, Bread is a great app to use. It provides a variety of payment options, automatic payments, and no prepayments. Although shopping with Bread Payments may have an impact on your credit score, there is no prepayment penalty if you use an instalment plan.
Pros:
• Flexible Repayment Options
• Fast Approval and Funding
• Transparent Terms and Conditions
Cons:
• Not Available in All States
• High Late Payment Fees
5. Afterpay
You can use the Afterpay app to repay any amount up to $600 without worrying about overspending.
The first payment must be made in full. Afterpay can then decide whether you are a responsible spender or not. It will raise your spending limit if it detects this.
Consider using afterpay if you’re concerned about losing control. Furthermore, afterpay allows you to reschedule three payments per year. Users can extend their payback date up to five times. And it is not possible with affirm which also makes it different from affirm competitors.
Pros:
• Easy and convenient way to pay for items
• No interest charges
• Flexible repayment plans, allowing for up to $600 in purchases without worrying about overspending
• Ability to make partial payments or pay off the balance in full at any time
Cons:
• Limited use to only those stores that accept Afterpay
• Potentially high costs if you are unable to pay off the balance within the allotted time frame
6. QuadPay
One of the affirm competitors websites on our list is Quadpay. An online payment service that allows you to make purchases without incurring interest charges. You have the option of paying for products in instalments. This means you can spread the cost of your order over several months rather than having to pay it all at once. It also means you won’t be charged late fees if you miss a payment.
QuadPay promises quick purchase approval, but some purchases will not be approved. QuadPay, like other payment systems, isn’t perfect.
Pros:
• It charges a fee of only 4% on each transaction.
• Customers can choose to pay for their purchases in four equal installments over six weeks.
• Customers can set up automated payments so they don’t have to remember to make their payments on time.
Cons:
• It is currently only available in the United States and Australia.
• Limitations on Purchases
7. PayPal Credit
If you mostly use PayPal as a payment method, Paypal credit is a convenient way to finance your purchases. You can get some additional benefits if you pay the entire amount within 6 months. If you pay the entire amount in full, your interest rate is lower.
PayPal Credit allows customers to pay for products under $100 overtime. Customers benefit from a longer payment period and lower interest rates, but there are some restrictions. If something goes wrong with the order, PayPal will refund the money plus shipping charges to the customer. Paypal credit is one of the best ways to postpone payments. If you want to pay later without incurring interest, use this method. Keep in mind that the service may necessitate approval from the lender as well as your bank.
Pros:
• PayPal credit is straightforward to set up and use, allowing you to make purchases quickly and conveniently.
• Low Interest Rates
Cons:
• Credit Limits
• Not Available Everywhere
• There are some fees associated with using PayPal credit, such as late fees or returned payment fees.
8. ViaBill
ViaBill is an online payment service that enables users to pay for goods and services through electronic transfer. The company provides a variety of options such as instant payments, bill splitting, automatic billing, and more. Recurring payments can also be set up by users. There are no hidden fees, and there is no interest added to the outstanding balance.
Pros:
• No interest or fees for customers.
• Flexible payment options.
• Encrypted security for customer data.
• Immediate access to funds for the merchant.
Cons:
• Limited availability in some countries and regions.
• High transaction fees for merchants compared to other services.
9. Perpay
Perpay is an online shopping sites like Affirm & Afterpay that allows you to create a budget and then shop within that budget. You have the option of spending up to $2500 per month or $5000 per year. You won’t be able to buy anything else until you reach the next level once you’ve reached your monthly or annual spending limit.
Perpay allows you to pay your bills online without incurring any fees or incurring any interest. You have the option of paying by the week, month, or year. Credit checks are not performed by Perpay.
Full-time employees must have at least three months of experience with their current employers. This means they had to work there for three months prior to being hired. If they lack this experience, they may be unable to obtain loans.
Pros:
• Allows You to Create a Budget and Shop Within That Budget
• Online Shopping Sites Are Convenient and Easy to Use
• Flexible Payment Options
Cons:
• Fees May Apply
• Late Payment Charges May Apply
Read Also on: Apps like Brigit
10. FlexWallet
Flexwallet is a similar app like afterpay in that it has a $2500 maximum spending limit. You can not only buy things with a flex wallet, but you can also lease them. Weekly lease payments are available, and you may eventually own the items you lease. You can buy quickly and easily at a variety of locations!
Pros:
• Flexible payment options
• Quick and convenient payments
• Maximum spending limit of $2500
Cons:
• Limited to select merchants
• Potential for late payments and interest charges
11. BillEase
BillEase is an excellent choice for Filipinos looking to borrow money. You can borrow up to 40,000 Philippine Pesos, with terms ranging from one month to twelve months.
BillEase only offers six and twelve-month loans to returning customers. The annual percentage rate for BillEase is quite high – 41.88 percent. Certain retailers, on the other hand, may offer 0% APRs.
We recommend that you look elsewhere if you’re looking for an online payment processor. However, if there are no other viable options in the country, consider BillEase!
Read Also: Apps like Dave
12. Partial.ly
Partial.ly is one of those payment apps like afterpay that allows merchants to set their own payment terms. This means that the platform will not charge any fees. This, however, may imply that some merchants will try to take advantage of their customers. It’s worth checking out because good businesses may be able to offer even better terms than the other platforms on the list.
13. Klarna
The last apps like afterpay & Affirm on our list is Klarna, an online store where you can buy anything and pay later. You have the option of paying in full or in four equal instalments. This means you can make your payments over a six-week period.
Klarna is a payment platform that accepts instant payments online. It can be used to make purchases both online and offline. It also offers discounts and cashback. You should select the “Pay over 6 months” option in order to save money.
Conclusion
Those are the apps like affirm & Afterpay we are able to provide, take your time to explore the list.
FAQs On Affirm
What is the Affirm app?
The Affirm app is a secure and easy-to-use application designed to provide fast and easy access to loan services. It features quick and simple loan applications, automated credit checks, and real-time loan decisions, so you can get access to the funds you need quickly and easily.
Is Affirm Like Afterpay?
Yes, Affirm is similar to Afterpay in that it provides customers with the ability to make payments over time. However, Affirm differs in that it requires customers to make down payments before receiving the product or service.
How does the Affirm loan app work?
The Affirm app works by taking a few pieces of basic information from you, such as your name, address, date of birth and income. This information is then used to generate a loan decision in real-time, giving you the ability to access funds quickly and easily.
What types of loans can I get with the Affirm app?
The Affirm app offers a range of loan types, including personal loans, business loans, student loans, auto loans, home improvement loans and more. You can also opt for a fixed or variable interest rate loan depending on your needs.
How much can I borrow with the Affirm loan app?
The amount you can borrow with the Affirm loan app will depend on your individual circumstances. The amount you can borrow will depend on your credit history, income, and other factors.
Is there an application fee for the Affirm loan app?
No, there is no application fee for using the Affirm loan app.
How long does it take to get a loan decision?
You can get a loan decision in just minutes when you apply through the Affirm

Blessing Bunmi is the founder and CEO of Blowra, the leading style guide providing insider fashion and shopping tips. With over 4 years of retail experience, She created Blowra to empower readers to confidently express their personal style.