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Top 7 Apps Like Afterpay

Top 7 Apps Like Afterpay

Have you ever wished you could spread the cost of a purchase over time, without interest or hefty fees? That’s where apps like Afterpay come in, offering you the flexibility of buy now, pay later services. This payment option has surged in popularity, allowing consumers to manage their budgets more effectively without compromising on their immediate needs or desires. In fact, a recent study indicates that Gen Z is the generation that uses BNPL the most. And adoption rates among Gen Z are expected to increase from 36.8% in 2021 to 47.4% in 2025.

Apps Like Afterpay, which offers simple installment plans and interest-free payments, has grown in popularity among consumers. It offers a seamless payment option that enables clients to divide their purchases into affordable installments.

These alternative apps give customers the ability to spread out their payments while still enjoying the convenience and comfort of online buying. Exploring these possibilities enables consumers to make informed judgements and select the payment plan that best suits their own financial circumstances and preferences. Here are the top 10 apps similar to Afterpay that you should know about.

Buy Now Pay Later Users to Reach Over 900 Million Globally by 2027

Apps Similar Afterpay

App NameInterest-FreePayment TermsBest For
PayPal Pay in 4Yes4 payments over 6 weeksReliable, secure purchases with minimal hassle
ZipYes4 payments every two weeksShopping anywhere Visa is accepted
KlarnaYesPay in 4, 30 days, or monthlyFlexible payment options and budget management
SplititYesChoose your installmentsUsing existing credit without new debt
AffirmConditional3 to 36 monthsLarge purchases needing clear, extended pay terms
ZebitYesUp to $2,500 upfrontSignificant, interest-free purchases
PayrightConditionalTailored for large purchasesSignificant investments with structured repayment

About Afterpay Apps

When it comes to shopping smarter, not harder, Afterpay has emerged as a champion of consumer convenience. This revolutionary service allows you to purchase what you need immediately and pay for it in four equal installments, spread out over two weeks. There are no hidden fees if you pay on time, making Afterpay a favorite among budget-conscious shoppers.

Afterpay’s user-friendly platform integrates seamlessly with thousands of retailers, both online and in-store, transforming the way people think about financing their purchases. Whether you’re updating your wardrobe, managing holiday expenses, or equipping your home office, Afterpay makes it manageable.

What’s The Need To Look For Afterpay Apps Alternatives?

While Afterpay is incredibly popular, it’s not the perfect fit for everyone. Each shopper has unique needs and financial circumstances that might call for a different approach, such as exploring Sezzle apps, Fingerhut apps, which are designed to offer more flexibility in payment terms. Perhaps you’re looking for lower fees, or a broader selection of participating stores. Or maybe you’ve had a hiccup with Afterpay’s system that didn’t sit right with you, prompting a look at alternatives like Sezzle apps.

Another key reason to consider alternatives is the credit limit. Afterpay might limit how much you can spend, which can be a hindrance if you need to make larger purchases. Moreover, not all retailers accept Afterpay, and if your favorites aren’t on the list, you’ll need an alternative that matches your shopping preferences.

Exploring other apps like Afterpay can also be beneficial for those looking to compare fees, service levels, and features. Some services might offer longer payback periods, lower minimum purchase requirements, or perks like cashback rewards, making them more attractive depending on your purchasing habits.

By understanding the variety of options available, you empower yourself to make the best financial decisions, ensuring that your buy now, pay later experience is tailored to your lifestyle and financial goals.

1) PayPal Pay in 4: A Flexible Alternative

PayPal Pay in 4 lets you split your purchase into four interest-free payments, with the first installment due at the time of purchase and the remaining spread out over six weeks. It’s a part of PayPal, a trusted name in online payments, which means you benefit from robust security and a wide acceptance among merchants both online and in-store.

Consumers can finance products ranging from $30 to $1,500, with payments due biweekly. On the negative, this service is not available in all states.


  • Must be a U.S. resident.
  • A PayPal account in good standing.
  • A verifiable bank account or credit/debit card.

Key Features

  • No Interest: Pay in 4 charges no interest, making it a cost-effective option.
  • Automatic Payments: The system automatically deducts payments from your account, so you don’t have to remember due dates.
  • Widespread Acceptance: Use it at millions of retailers where PayPal is accepted.
  • Instant Approval: Quick decision process with no long forms.
  • PayPal Protection: Offers the same Purchase Protection plans as other PayPal services.

Best For

Shoppers looking for a reliable and secure way to manage their payments with minimal hassle and no additional costs.

2) Zip: Customizable and User-Friendly

Zip, formerly known as Quadpay, allows you to shop now and pay later at any store that accepts Visa. The service divides your purchase into four equal payments, charged every two weeks. It’s known for its flexibility and ease of use, making it an appealing choice for shoppers who appreciate a straightforward and adaptable payment plan.

Zip provides points and discounts at chosen merchants, however unlike other BNPL programmes, the company charges a $6 installment cost and a $5 late fee.


  • Must be over 18 years old.
  • A valid and verifiable mobile number.
  • A U.S. credit or debit card.

Key Features

  • No Interest Fees: Like Afterpay, Zip charges no interest on payments.
  • High Flexibility: Use your Zip account at online and physical stores that accept Visa.
  • Transparent Costs: No hidden fees, provided payments are made on time.
  • Mobile App: An intuitive app that manages payments and offers a seamless shopping experience.
  • Reminders: Automatic payment reminders ensure you never miss a due date.

Best For

Individuals who want the freedom to shop virtually anywhere that accepts Visa, with the convenience of predictable, split payments and no hidden costs.

3) Klarna: Smooth Shopping Experience

Klarna is renowned for its versatility and user-friendly interface, offering more than just a payment plan—it’s a shopping revolution. With Klarna, you can split your purchase into four equal payments, payable every two weeks, or even choose to pay within 30 days or in fixed monthly installments. It’s designed to fit your financial situation and shopping style.


  • Must be at least 18 years old.
  • A valid and verifiable email address.
  • A sound financial history.

Key Features

  • Flexible Payment Options: Choose between pay later in 30 days, pay in four installments, or monthly financing.
  • Widespread Merchant Acceptance: Available at a multitude of online and brick-and-mortar stores.
  • No Interest or Fees: If payments are made on time, no extra costs are incurred.
  • Mobile App Excellence: An award-winning app that enhances shopping and payment management.
  • Financial Insights: Provides spending insights and budget management tools.

Best For

Shoppers who value flexibility in payment terms and want a comprehensive app that supports budgeting while shopping.

4) Splitit: Interest-Free Installments on Your Existing Credit

Splitit stands out in the buy now, pay later landscape by utilizing your existing credit card limit to let you pay over time. This means no additional applications or credit checks—just choose Splitit at checkout, and your purchase is divided into as many installments as you choose, using your existing credit card balance without affecting your credit score.


  • Must own a credit card with sufficient available credit.
  • The card must be eligible for installment payments.

Key Features

  • No New Credit Checks: Uses your existing credit card without requiring additional credit checks.
  • Zero Interest: No interest fees are added, as payments are made with your existing credit card.
  • Instant Approval: Since it uses your existing credit, approval is immediate.
  • Flexible Installment Options: Choose how many payments you want to make.
  • Maintains Credit Health: Does not impact your credit score as traditional loans might.

Best For

Individuals who prefer to use their existing credit facilities without incurring additional debt or undergoing further credit checks.

5) Affirm: Transparent and Flexible Financing

Affirm takes a straightforward approach to buy now, pay later services by offering transparent financing without any hidden fees. When you choose to shop with Affirm, the terms are clear: you’ll see the exact amount you’ll pay each month, and you can select the payment schedule that works best for you—from three months up to a year.


  • Must be 18 years or older.
  • A valid U.S. or APO/FPO/DPO home address.
  • A valid U.S. mobile or VoIP number.
  • Sufficient credit history to complete a soft credit check.

Key Features

  • No Late Fees: Never charges extra for late payments.
  • Flexible Payment Plans: Offers terms from 3 to 36 months for repayment.
  • Real-Time Decision: Quick application process with immediate decision.
  • Mobile App for Easy Management: Manage your loans and payments through an intuitive app.
  • Transparent Pricing: All costs are shown upfront, with no hidden fees.

Best For

Shoppers who need clarity and predictability in their payment plans, especially those who are planning larger purchases that need a longer repayment period.

6) Zebit: No-Interest Credit Upfront

Zebit extends a no-interest credit line to its customers up to $2,500, which can be used to shop thousands of products directly from their marketplace. This makes it an exceptional choice for those looking to finance larger purchases like electronics or furniture without the worry of accruing interest.


  • Must be over 18 years old.
  • Employed, retired, or disabled with benefits.
  • Able to verify your income source.

Key Features

  • No Interest Charges: Zebit does not charge interest, ever.
  • Upfront Credit Allocation: Provides an immediate credit line upon approval.
  • Wide Range of Products: Access to an extensive marketplace featuring various items.
  • Flexible Repayment Terms: Choose how long you need to pay back, with clear terms.
  • No Penalty for Early Payoff: Freedom to pay off your balance sooner without penalties.

Best For

Consumers who prefer shopping within a dedicated marketplace and need substantial, interest-free credit to manage significant purchases comfortably.

7) Payright: Tailored for Large Purchases

Payright is designed for consumers who need to finance larger transactions like home improvement projects, educational courses, or high-end appliances. Unlike other buy now, pay later apps, Payright focuses on providing plans that are more tailored to high-value purchases, with longer repayment periods and a detailed credit assessment to ensure affordability.


  • Must be at least 18 years old.
  • A good credit history.
  • Employment with a steady income.

Key Features

  • Extended Payment Plans: Offers terms that extend beyond the typical short-term plans, suitable for large purchases.
  • Tailored Credit Assessments: Ensures customers have the ability to repay without financial strain.
  • Interest May Apply: Clear terms on interest rates for longer-term financing.
  • Dedicated Customer Service: Provides support specifically for managing larger loan agreements.
  • Flexible Purchase Options: Use it for a wide range of services and high-ticket items.

Best For

Individuals planning significant investments who require a more personalized financing approach and are okay with a thorough credit check to get longer repayment terms.

Final Words

Navigating the array of buy now, pay later apps like Afterpay can be a breeze when you know your options. Today, we dove deep into seven fantastic alternatives, each offering unique features that cater to different shopping and financial needs. From PayPal Pay in 4’s broad acceptance and no interest fees to Payright’s tailored solutions for significant expenditures, there’s something out there for everyone.

Whether you’re managing tight budgets or planning big purchases, these services provide flexible payment solutions to enhance your financial freedom.

For You! Our Top Rated Apps Category

Ashley Richmond

Ashley Richmond

View all posts by Ashley Richmond

Ashley earned her M.B.A. from The University of Texas at Dallas, where she gained a solid foundation in business strategy and management, further enhancing her ability to bridge the gap between technology and business needs.

Ashley has spent the past several years working in the IT industry, with a focus on AI innovations, AR, VR, Blockchain, and GPT technologies. She has held various positions in IT management, software development, and AI research, consistently delivering exceptional results and driving technological advancements.

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