Best 13 Apps Like Affirm & Afterpay | Buy Now Pay Later

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


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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.

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.

3. Venue

Venue pay later app

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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. 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.

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.

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.

6. QuadPay

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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.

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.

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.

9. Perpay

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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.

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!

11. BillEase

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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. 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

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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.


Those are the apps like affirm & Afterpay we are able to provide, take your time to explore the list.

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