AfterPay is a pretty popular name in the Buy Now, Pay Later (BNPL) world, but it is not the only option. If you are looking for apps like AfterPay which give you the flexibility of making payments, then you are in the right place. There are several alternatives that can make shopping easier without paying everything upfront. Let’s have a look at 9 great apps like AfterPay and compare them so you can find one that works best for you.
1. Sezzle
Sezzle is one of the apps like AfterPay which can split your purchases into four easy, interest-free payments over six weeks; it’s perfect for those who would love shopping on the internet but don’t want to pay the full amount at one go.
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2. PayPal Credit
If you already use PayPal, then PayPal Credit would be a great option. This is a digital credit line that lets you buy now and pay later with some financing plans. It’s integrated into PayPal’s huge network so that you can use it at many online stores.
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3. Klarna
Klarna is a global provider of BNPL. It offers Pay Later within 30 days, Pay Now, and financing over time. Among the applications similar to Klarna is among the most widely used worldwide applications and helps make shopping more flexible.
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Let’s have a look at the informative table given below, you will also get idea about these tools fee and reviews:
| Tool Name | Features | Fees/Price | Review |
| Sezzle | – Split purchases into 4 interest-free payments over 6 weeks | No interest fees | Good for online shopping, but has fewer merchants than AfterPay. |
| – Soft credit check | |||
| – Potential late fees | |||
| – Limited international availability | |||
| PayPal Credit | – Digital credit line integrated with PayPal | Interest charges apply | Flexible repayment options but requires credit approval. |
| – Works with a massive merchant network | Difficult to track payments due to no set repayment date. | ||
| – Promotional financing deals available | |||
| Klarna | – Multiple payment options (Pay Later, Pay Now, financing) | No interest on Pay Later | Widely used globally with a large merchant network, but can be complex to understand. |
| – Soft credit check | Late fees apply on missed payments. | ||
| Affirm | – Flexible repayment terms up to 36 months | Interest may apply | Transparent terms, no hidden fees, but requires a credit check. |
| – No late fees if payments are made on time | Limited to merchants that collaborate with Affirm. | ||
| Zip | – Split purchases into 4 interest-free payments over 6 weeks | No interest fees | Easy sign-up process but smaller merchant network compared to AfterPay. |
| – Soft credit check | Possible late fees and limited international availability. | ||
| SplitIt | – Use existing credit card to split payments into interest-free installments | No new credit line needed | Requires sufficient credit limit; could impact credit score if limit is exceeded. |
| – Payments deducted from existing credit card | Limited merchant network. | ||
| GoCardless | – Direct debit service primarily for subscription services | Low transaction costs | Not a BNPL service; ideal for businesses rather than individual purchases. |
| – Requires bank account setup | Less suitable for one-time purchases. | ||
| FuturePay | – No traditional credit card needed; offers revolving credit account | Interest charges on balances | Flexible payment options; less known and fewer accepted shops compared to others. |
| – Simple checkout process | Requires credit approval. | ||
| ViaBill | – Pay for purchases in interest-free installments | No credit check | Easy to join, but fewer shops accept it compared to AfterPay; late fees may apply. |
4. Affirm
With Affirm, you can split up your purchases over months- 36 months in some cases! They also have a transparency policy and charge no hidden fees, making it a very popular choice among most online shoppers.
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5. Zip (formerly Quadpay)
Zip is another AfterPay alternative, which allows you to split your purchase into four equal, interest-free payments over six weeks. It’s quick to sign up and easy to use, especially for first-time BNPL users.
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6. SplitIt
If you have an existing credit card, you can use the credit to split payments into interest-free monthly installments with SplitIt. You don’t need to open a new credit line—if you have the available credit, SplitIt just allows you to pay interest-free with your existing credit card.
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7. GoCardless
GoCardless is not one of those apps like AfterPay that uses Buy Now Pay Later. Instead, it’s more of a direct debit service with primary applications being subscription services. It’s ideal for business entities to use it to receive regular payments rather than as an app to apply for single one-time payments.
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8. FuturePay
FuturePay is another option that lets you shop and pay later without needing a traditional credit card. You can set up a revolving credit account to manage your payments more flexibly.
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9. ViaBill
ViaBill makes it easy to pay for your purchases in interest-free installments. It’s very easy to join and there is no credit check, making it an option that’s quite appealing to most buyers.
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And that’s it! If you want apps like AfterPay, apps like PerPay, or apps like Klarna, there is sure to be a BNPL service for you. If you’re looking for no interest, flexible terms, or easy-to-follow payment plans, these alternatives are for you. Just make sure to review the terms and fees before you commit, so you know exactly what you’re signing up for! Happy shopping!
Frequently Asked Questions (FAQs):
Q. What are apps like Afterpay, and how do they work?
Apps like Afterpay let you shop now and pay later in small, interest-free payments, usually split into four payments over six weeks.
Q. What are the best alternatives to Afterpay for easy payments?
Some of the best apps like Afterpay are Sezzle, Klarna, Affirm, and Zip, all of which offer easy ways to pay over time.
Q. Are there any fees for using apps like Afterpay?
Most apps like Afterpay don’t charge interest if you pay on time, but if you’re late, you might get a fee, and some apps charge interest for longer payment plans.
Q. Can I use apps like Afterpay for international purchases?
Yes, many apps like Afterpay, like Klarna and Sezzle, work for international shopping, but it depends on the country and store.
Q. How do apps like Afterpay affect my credit score?
Most apps like Afterpay don’t impact your credit score unless you miss a payment or use apps like Affirm to check your credit.
