Top Afterpay Alternatives for 2024: Best Buy Now, Pay Later Apps Reviewed

• By Ashley Richmond
• May 11, 2024August 20, 2024
• Apps

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 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 You Must Try Today

Looking for flexible payment options beyond Afterpay? There are many great alternatives that offer more features, longer payment terms, and no hidden fees. We have gathered the top 10 best Afterpay alternatives you must try today.

About Afterpay Apps

Afterpay is one of the most popular “buy now, pay later” apps worldwide. It allows you to split your purchases into four equal payments, made every two weeks. The best part? You don’t have to pay any interest if you make your payments on time. Since launching in 2014, Afterpay has grown rapidly, with millions of users globally. As of 2024, Afterpay has over 16 million active customers and partners with more than 100,000 retailers. Its simple and user-friendly experience has made it a go-to app for many.

But as shopping habits change, many are now exploring other apps like Afterpay. The market for these services continues to expand, offering a wide range of choices for different needs. Whether you’re buying clothes, electronics, or even using apps like Shiftsmart for extra income, there’s likely a perfect BNPL app for you.

Ready to explore more options? Let’s look at why alternatives to Afterpay could be useful.

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.

How Afterpay Works

Afterpay works by splitting your purchase into four equal payments. These payments are made every two weeks, giving you six weeks to pay off the total. You make the first payment at the time of purchase, then pay the rest in three installments. If you pay on time, there are no interest fees or extra charges.

Afterpay is simple to use. You can shop at participating retailers, either in-store or online, and choose Afterpay as your payment option. Once approved, Afterpay pays the retailer for your purchase, and you follow the payment schedule. However, late payments can result in fees, so it’s important to stay on track.

This method is convenient for many people, but it may not work for everyone. Some prefer more flexible terms, and that’s where alternative apps come in.

Top 13 Other Apps Like Afterpay for Buy Now Pay Later

Afterpay is one of the top players in this space, but it’s not the only option. There are many other game-changing apps that offer flexible payment options, giving shoppers more freedom and control over their finances. In a world where convenience is key, having multiple choices for easy payments can transform your shopping experience.

We have details on the top 10 apps like Afterpay for easy payments…

1) PayPal Pay in 4: App Like Afterpay

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.

Requirements

• 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.

Requirements

• 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.

Requirements

• 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.

Requirements

• 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.

Requirements

• 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.

Requirements

• 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.

Requirements

• 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.

8) PayFi

PayFi is a great alternative to Afterpay, offering flexible payment options for all kinds of purchases. Like Afterpay, it lets you split your payments into smaller, manageable amounts. However, PayFi stands out by offering longer payment periods, making it easier to spread out bigger expenses. It’s available for online and in-store shopping, providing convenience wherever you shop. With a simple, user-friendly app, PayFi helps you stay on top of your payments without hassle.

In 2024, PayFi has seen a rise in popularity, with more than 3 million active users. Its growing list of retail partners continues to expand, making it a top choice for many shoppers. PayFi also prioritizes transparency, ensuring there are no hidden fees or surprises, which builds trust among its users.

Best For:

Shoppers looking for longer payment terms and zero hidden fees.

9) Suave

Suave is a great choice for budget-conscious shoppers who want to split payments easily. Like Afterpay, Suave lets you break down payments into smaller, interest-free installments. What sets Suave apart is its focus on simplicity and ease of use. The app features a clean, intuitive interface that makes tracking your payments straightforward. You can use Suave for online purchases and, in some cases, in-store shopping.

In 2024, Suave has gained a loyal following among shoppers who prioritize seamless transactions without hidden fees. It’s especially helpful for those who prefer a no-fuss experience when managing their payments.

Best For:

Shoppers who want a simple, stress-free payment solution.

10) FlexPay

FlexPay is a solid choice for shoppers seeking flexible payment plans without interest. Like Afterpay, FlexPay allows you to split your payments into equal parts, but it gives you more time to pay off your purchases. This makes it a great option for larger expenses or if you need a bit more time to manage your budget. FlexPay’s simple, straightforward approach ensures that you won’t be surprised by any hidden fees or confusing terms.

In 2024, FlexPay has gained popularity for offering stress-free payments, making it ideal for those who want financial flexibility while shopping.

Best For:

Shoppers who need more time to pay without added fees.

11) Perpay

Perpay is a unique “buy now, pay later” app that helps you build credit while shopping. Unlike Afterpay, Perpay focuses on improving your financial health by reporting your payments to credit bureaus. It’s designed for those who want to shop while gradually improving their credit score. The app offers simple installment plans with no hidden fees or interest, making it a smart choice for budget-conscious shoppers.

In 2024, Perpay is growing rapidly, especially among users looking to improve their credit. Its seamless payment process and financial benefits make it a strong contender in the BNPL market.

Best For:

Shoppers who want to build credit while managing payments.

12) Simpl

Simpl is an easy-to-use app that offers instant “buy now, pay later” services. Unlike other BNPL apps, Simpl is designed to be super fast, allowing you to make purchases with just one click. It’s perfect for frequent shoppers who want a seamless, quick checkout experience. Simpl’s payment plans are interest-free, and the app offers clear, transparent terms with no hidden costs. You can use it for online shopping, and it works with a wide range of merchants.

In 2024, Simpl has gained a strong following for its speed and simplicity. It’s ideal for people who value convenience and want hassle-free payments.

Best For:

Frequent shoppers looking for fast and convenient payment options.

13) Cashew

Cashew is a reliable “buy now, pay later” app that focuses on providing secure, interest-free payment options. It stands out for its emphasis on user safety and security, ensuring your payment information is always protected. Cashew allows you to divide your purchases into manageable installments without hidden fees or charges. The app is simple to use, making it ideal for users who want both security and convenience while shopping.

In 2024, Cashew is gaining recognition for offering a safe and flexible shopping experience. It’s a top choice for those who prioritize privacy and ease of use.

Best For:

Shoppers who want secure, interest-free payment options with no hidden fees.

List of Best 10 Afterpay Alternatives

In a world where convenience is key, having multiple choices for easy payments can transform your shopping experience.

Final Say

In the world of online shopping, having options like Afterpay is great, but sometimes, you need more flexibility. That’s why exploring alternative apps is so important. Apps like PayFi, Affirm, and Klarna offer different payment terms, making them useful for various shopping needs. Whether you want longer payment plans, interest-free options, or more control over your spending, there’s an app for you.

As the “buy now, pay later” market continues to grow, shoppers now have more choices than ever. Choosing the right app can make shopping easier and more affordable. So, consider your needs and pick the app that fits your lifestyle best.

Ready to start exploring these options? Give one a try and see how it transforms your shopping experience.

User Generated Quarries

For You! Our Top Rated Apps Category