10 Best Apps like Afterpay you must try - TheAppFlow (2023)

Afterpay was launched in Australia in 2014 to provide customers with an alternative to traditional credit companies. It’s known as Clearpay in Uk, but it’s the same company from the same firm.

Afterpay enables you to shop at thousands of stores while deferring payments without paying interest! The procedure is similar to those of the other apps on our list. Just create a free account and link a credit card. That’s it, and Afterpay users don’t have to worry about a credit check.

Afterpay is not the stand-alone app in the market, as there are many other apps like Afterpay that offer the same service with tweaked plans and differences in retailers. let’s dig in.

Best apps similar to Afterpay (Top Alternatives)

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(Video) Buy Now, Pay Later. No Credit Check. Instant Approval: Top 5 Apps for Big Purchases 🔶 CREDIT S2•E43

6Paypal Credit



Klarna is one of the best buy now pay later apps, similar to Afterpay, that we recommend. It allows you to spread out your purchases over time, interest-free. Klarna, like other apps, offers a four-payment plan, with 25% upfront payment required at the time of checkout, and the remaining 75% spread out over six weeks. Nevertheless.

They also have a great payment plan that allows you to pay thirty days after the time of purchase. This is helpful since you get to try items before deciding whether or not to keep them, and we don’t have to pay anything until 30 days have passed.

Klarna does have additional financing choices, however, they are identical to using a credit card, therefore we advise caution when using them, as they may report outstanding bills to credit bureaus, but they do not notify all of your payments.

Also, remember to pay your bills on time to avoid being charged late fees! Try out Klarna, a service that allows you to buy now and pay later for free.

Sezzle is one of the best apps like Afterpay that lets you buy anything and pay over four interest-free payments. It is simple to use and approves applications quickly, allowing users to purchase at more than 27k retailers and websites. Anyone can apply for Sizzle’s credit to use across all platforms.

(Video) The dark side of Buy Now Pay Later apps

It’s an excellent Afterpay alternative, and you can rest assured that, unlike Afterpay, it will not negatively impact your credit score. It offers a few options for paying in monthly instalments.

To complete your EMI purchase, you will get four interest-free instalments. Because the entire payments will be split, buyers will be able to get all of their preferred things from stores and online.

This makes it easier for buyers to collect all of their favorite items from offline and in-stores because the total payments will be divided over a number of months with tax.

Zip (Previously Quadpay) is an app like Afterpay that allows you to purchase stuff on a 25% upfront payment, and the remaining interest-free payments are split out over the next six weeks. The platform has no hidden fees or annual costs, although there are times when you do not pay on time.

Almost all popular websites are integrated with Zip payment, which allows you to make a payment without waiting for days for clearance. Zip is linked with thousands of retail stores and shops that sell food, electronics, and fashion, in addition to online sites and apps.

Zip Pay and Zip Money are available for accounts with a balance of less than $1000 and more than $1000, accordingly. Even if you use Zip Money for transactions over $1000, there is no charge for three months. Approximately 2 million Zip customers in Australia and New Zealand are happy with the service Zip provides.

You might like the best cash advance apps like Dave.

As the name suggests, Splitit is another great Afterpay alternative for purchasing products now and paying later. It is just like any other app on this list, but it has one feature that sets it apart from the others.

Splitit offers no interest payments, no late fees, and also no credit check. To get started, all you have to do is create a free Splitit account. Purchases are made in three, six, twelve, or twenty-four installments.

Some retailers, on the flip side, limit the number of payments you can make. Because there are no late fees, Splitit is one of the best alternatives to Afterpay.

Launched in 2017, Affirm is the Financial company that allows you to pay in chunks for purchases over $100, without interest.

This means that it’s better for purchases over $100, and you should only take out a maximum of $500 at a time. It doesn’t require credit checks or collateral, and it has very few restrictions on what you can buy or where you live.

(Video) Best Buy Now Pay Later Apps For Each Type Of Person

To get approved for an Affirm loan, you’ll need a bank account or debit card. You can apply with a few different banks, but once you’re approved – you can use your Affirm balance at dozens of stores – including J.Crew, Amazon, and Barnes & Noble.

The main difference between Affirm and other installment loan providers is that Affirm is not an open-ended line of credit; rather, it works like a traditional retail store credit card.

If you make regular payments on time, you’ll be able to keep using your Affirm balance.

If you don’t pay off your balance in full by its due date, however, there are no late fees—instead, interest will accrue on what remains of your purchase until it has been paid off in full.

10 Best Apps like Afterpay you must try - TheAppFlow (6)

Paypal Credit

Yes, PayPal, the world’s largest payment platform, now lets you purchase now and pay later! The best part is that if you already have a PayPal account, you won’t have to do anything. Simply select PayPal as your payment method and then pay later. 25% of the purchase price will be required at the time of purchase, with the remaining 75% spread out over six weeks.

There’s also no interest or fees! PayPal, akin to Affirm, may run a mild credit check to see if you qualify for this option, but this will have no impact on your credit score.

PayPal has partnered with millions of brands, making it one of the most popular Buy now, pay later platforms.

The notion of Nelo is well-known among millennials. This is when you pay for a product in installments until it is fully paid for, at which time you receive the merchandise.

The “buy now, pay later” option, which is offered by apps like Afterpay, reverses this process: you select the product and pay for it in four fortnightly installments. Best of all, unlike conventional Nelo, you get to leave the store with the merchandise before making your first payment even. You make a payment every two weeks & pay no more than the item’s retail price.

This interaction is turned around by the “buy now, pay later” option, which follows by Apps like Afterpay. And unlike traditional layaway, you will leave the store with the item before making your first installment.

Perpay is a financial app that allows users to purchase and pay for things over time with simple, recurring payments. There are no monthly fees, no interest, and no credit reports. Browse the PerPay Marketplace for your favorite brands, add items to your cart, and send your application for approval.

(Video) Afterpay vs Sezzle - Which App is for You?

Prepay is an app similar to After pay, which was launched in 2014, is a financial platform that allows users to buy things from specific brands and pay for them monthly split-out payments.

It’s a decent payday loan alternative where you set up your checking account and let the app fetch payments from each paycheck to cover the cost of an item.

Perpay can estimate the appropriate spending limit for you, depending on the info you submit in your profile. Prepay charges no fees or interest for purchases, however, interest charges may be subject to a $35.


One of the best companies like Afterpay is Open Pay. The Open pay service is currently available in several online shops. With Open Pay, you can buy up to $10,000 in products and get up to a 12-month financing period. Once Open pay verifies your information, you can jump right in and shop at any of Open Pay’s partner retailers.

Startup by choosing a payment plan that fits your budget; you’ll pay your first installment while checkout and any leftover balance will be paid over the next month or week.

Zebit is an eCommerce company based out of San Diego, California, committed to making a fundamental change in the lives of over 120 million credit-challenged consumers in the United States. It provides them access to a huge array of products and the ability to pay for those products over six months with no hidden fees or fines. Undoubtedly, Zebit is one of the best apps like Afterpay to pay overtime on an assortment of products.

Launched in 2015, it is already available across 50 states in the United States. So far, the company has racked up over $90 million in funding from venture capital companies since it took off public on the Australian Stock Exchange (ASX) in October 2020. (Ticker ZBT).

Do you want to sell your products on Zebit? Reach Zebit’s 1MM+ customers, who browse through 120,000 items in 25+ categories, including electronics, furniture, home goods, clothing, and much more.

Wrapping Up

In this day and age, sticking to a family budget is super difficult. Many people are on tight budgets and are always on the lookout for better alternatives and good deals.

Apps like Afterpay and others allow almost anyone to use a flexible payment method to shop on thousands of products on a pay-over-time scale. Yet, there are a few factors to take into account. Because most companies charge interest, it’s important to consider whether the interest is worth the purchase.

Some services, on the other hand, are worth using, as they allow you to split out your payments over a longer period. It’s also worth mentioning that these are credit services, meaning you’ll have to apply and get approved. Your credit score can have a positive or negative effect if you fail to pay on time.

Flexible payment terms are usually welcome in an era when unemployment is common and people are frequent debt payers. Such services give everyone a more flexible payment option, which is beneficial to both consumers and businesses.

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Which buy now, pay later does not do credit checks? ›

High late fees — Afterpay doesn't charge any fees as long as you pay on time. But if you're late on a payment, you could be hit with a fee as high as 25% of your loan amount. No credit check or reporting — Afterpay doesn't perform any credit inquiries, and it doesn't report your payments to any credit bureaus.

What websites allow you to buy now and pay later? ›

Best buy now, pay later sites of 2023
  • Affirm: Best for long-term financing.
  • Afterpay: Best for zero interest.
  • Klarna: Best for variety of payment plans.
  • PayPal Pay in 4: Best for no late fees.
  • Sezzle: Best for rescheduling payments.
  • Splitit: Best for those with credit cards.
  • Zip (formerly Quadpay): Best for no credit checks.
Dec 22, 2022

What is the most accepted pay app? ›

  • Our Top Picks.
  • PayPal.
  • Venmo.
  • Cash App.
  • Zelle.
  • Google Pay.
  • Meta Messenger.
  • See More (3)
Mar 1, 2023

How does Deferit work? ›

How does Deferit work? Head to https://deferit.com/en-au/nectr/ and upload your bill – Snap a photo of your bill, choose how much to pay, and get instant confirmation. Deferit pays your Nectr bill and you then pay in 4 instalments. Instalments are scheduled every two weeks.

Which app can I borrow money and pay later? ›

Download the Paylater app here

You will get a loan decision in seconds. 5. If approved, your account is credited within 5 minutes.

What app gives you money before you get paid? ›

Some of the best paycheck advance apps offer emergency cash when you need it. Options include Earnin, Dave, MoneyLion, Chime and Brigit.

What apps have instant pay? ›

These apps that pay cash are all fun and easy.
  • Cashyy (Android Only)
  • Mistplay (Android Only)
  • Swagbucks.
  • MyPoints.
  • Kashkick.
  • InboxDollars.
  • DoorDash.
  • Drop.
Jan 31, 2023

Does PayPal let you borrow money? ›

PayPal Working Capital is a business loan with one affordable, fixed fee. You repay the loan and fee with a percentage of your PayPal sales (minimum payment required every 90 days). There are no periodic interest charges, monthly bills, late fees, pre-payment fees, penalty fees, or any other fees.

Can I do Afterpay with bad credit? ›

No credit check is required to use AfterPay, and no interest is charged. Customers can sign up for a free AfterPay account, shop at select online retailers, and then use AfterPay to make purchases.

Does Sezzle check credit? ›

Sezzle and Afterpay do not do hard credit checks when you make a purchase using the service. Sezzle runs a soft credit check to get a sense of your credit history, but Afterpay does not do a credit check at all.

How does Splitit payment work? ›

Splitit guarantees your purchase, by placing a hold on your credit card, while the total amount is outstanding. This is not a payment, it's just a pre-authorization that allows you to pay off your balance over time, before accruing any interest.

How do you get approved for Affirm? ›

How to get approved for Affirm. To be eligible for Affirm, you'll need to be at least 18 years old, be a U.S. resident, have a Social Security number and have a U.S.-registered phone number that receives texts. According to Affirm, loan approval decisions are instantaneous.

Is Perpay worth it? ›

Perpay is a good choice if you've done your price comparisons and found the cheapest with Perpay. Or if you're looking for a way to build credit through your purchases, then Perpay+ is worth considering. Ultimately, you need to make sure that the cost of the item is worth the convenience of a payment plan.

Which is the most used payment app in USA? ›

In a January 2021 survey in the U.S., five times more respondents stated they have at some point used PayPal than Apple Pay. PayPal is indeed a well-known brand in the United States, even more so than its own subsidiary Venmo. Regardless, the user base of digital payment methods grew in 2020.

How does papaya bill pay work? ›

Papaya is a free app that anyone can use to pay any bill, ranging from parking tickets to non-profit donations to healthcare bills. After downloading the app onto a smartphone or tablet, an individual uses it to snap a picture of a bill, including the invoice amount, account information and due date.

What is the maximum limit for Deferit? ›

Fees. For using Deferit Pay in 4, a $9.99 fee (Monthly Fee) for up to $2,000.00 in bill balance (limit). The Monthly Fee is a fixed fee which you pay only when you are using the Deferit Pay in 4 Product.

Does Deferit take first payment? ›

When uploading your bill, you specify the date that you want us to pay it, as well as the amount you would like us to pay. Your four installments begin on this date, and we take the first payment before paying your bill for the specified amount.

Can you borrow cash from Afterpay? ›

Available even with bad credit

Afterpay makes it possible for you to borrow money since it does not perform a credit check when opening an account.

Which app gives loan without documents? ›

About the Tala loan app

Get instant personal cash loans in India without any documents – no salary slips, bank statements or credit score required (100% paperless process).

Can I borrow cash from Klarna? ›

If you qualify, you could also use Klarna Financing. This option allows you to borrow money in the form of a line of credit from Klarna. But this option comes with an APR that may be on the higher end compared to some credit card options.

What app gives you $250? ›

Empower will float you up to $250 when you need it most. Instant delivery available. No interest, no late fees, no credit checks. Just pay us back when you get your next paycheck.

What app gives you $500? ›

B9 can provide up to $500 in cash advances with no credit check or interest. Get your paycheck early so you can pay bills, get cash, or transfer money! 1. Start depositing your paycheck into your B9 Account (we'll show you how in a few easy steps):

How do you get $20 fast on Cash App? ›

To get $20 fast on Cash App, you just need to refer friends to join with your referral code. Right now you can get a $5 bonus just for signing up by using the referral code DKSTLZJ. For any friends that sign up you can get an additional $5 each.

What app will give me $50 instantly? ›

What apps will let me borrow $50? Many apps like Chime, Dave, DailyPay, and Brigit let you borrow $50. Most apps require you to repay the loan by your next paycheck but don't charge interest.

How do you get $100 on Cash App? ›

The easiest way to get free cash app money is by completing offers and surveys. It is 100% free and you can earn $100 free cash app money quickly.

How can I get $50 right now? ›

21 Simple Ways to Make $50 Fast
  1. Take Online Surveys.
  2. Play Games Online.
  3. Get Paid for What You Already Do.
  4. Use Cashback Apps.
  5. Get a $50 Cash Advance.
  6. Sign Up with a Micro-investing App.
  7. Test Websites and Apps.
  8. Get Paid to Get Fit.
Nov 7, 2022

How can I borrow money fast? ›

Fastest ways to borrow money
  1. Personal loan from an online lender. Compared to traditional lenders like banks or credit unions, online lenders boast convenience and speed given their fully online application and funding process. ...
  2. Loan apps. ...
  3. Cash advance from a credit card. ...
  4. Loan from family or friends. ...
  5. Pawnshop loan.
Nov 28, 2022

How do I borrow money from Venmo? ›

It's usually along these lines: “if you're a new user, Venmo will be able to lend you up to $50. If you're a verified user, you can get a loan of up to $5000.” But that just isn't true. Venmo clearly states on their website that the company does not offer loans to users. So don't fall for any scams.

What is the highest credit limit with Afterpay? ›

The highest a customer can spend with Afterpay in a single transaction is $1,500. In addition, customers can hold an outstanding limit of $2,000 per Afterpay account.

Does Amazon take Afterpay? ›

Open your Afterpay app, and click on Amazon in the 'Shop' tab. Pick your products and add them to your cart. Enter your shipping and account details.

Can I pay my phone bill with Afterpay? ›

Afterpay is meant to be used for online or in-store shopping only. So while you can use it to make purchases, you can't usually use it to pay bills.

How much will Sezzle approve you for? ›

Sezzle has a $2500 limit. If you're a first time user of Sezzle, you may not be approved for the full $2500. Over time using Sezzle successfully, your limit will increase.

Does everyone get approved for Sezzle? ›

Sezzle is committed to financially empowering shoppers by supporting responsible spending. Therefore, our system does not approve 100% of orders.

What is the minimum credit score for Sezzle? ›

Sezzle will conduct a soft credit pull when you apply for a payment plan. This doesn't affect your credit score, and there is no minimum credit score requirement to use Sezzle.

What app is better Afterpay or Klarna? ›

Our choice for the best buy now, pay later app between Klarna and Afterpay is Klarna. It offers more financing options, includes more than twice as many retailers in its marketplace, and can create virtual card numbers to be used anywhere Visa is accepted.

Is Sezzle better than Afterpay? ›

Sezzle runs a soft credit check to get a sense of your credit history, but Afterpay does not do a credit check at all. Soft credit checks provide enough information to give the BNPL services a sense of your creditworthiness without penalizing your credit score with a hard inquiry.

Is Afterpay better than QuadPay? ›

Websites Categories. 1 AfterPay has better usage coverage in more websites categories. Including Lifestyle, Sports, E-commerce & Shopping, Home & Garden and 20 other categories. 2 QuadPay hasn't got a lead over AfterPay in any websites category.

Is Afterpay or ZIP pay better? ›

Reviewers felt that Zip meets the needs of their business better than Afterpay. When comparing quality of ongoing product support, reviewers felt that Zip is the preferred option. For feature updates and roadmaps, our reviewers preferred the direction of Zip over Afterpay.

What apps allow you to make payments? ›

Compare the Best Payment Apps
CompanyOperating System
PayPal Best OveralliOS and Android
QuickBooks Online Mobile Best for Small BusinessiOS and Android
Wise Best for International PaymentsiOS and Android
Stripe Best for FreelancersiOS and Android
2 more rows

How does Perpay work? ›

Perpay is an online shopping marketplace that lets you pay in installments and can help you build credit. Perpay charges no fees or interest on your purchase, but you'll need to make payments with direct deposit.

What is karma payment? ›

Karma Payments is a nonprofit donation platform. It allows users to accept one-time or recurring donations anytime, anywhere. It supports seamless credit card and ACH donations and helps you track donor data and create custom online donation pages.

What is the highest credit limit for Sezzle? ›

Payment methods linked to your account. Adding another debit card or a credit card can help us better understand your repayment ability, which can help get orders approved! Sezzle has a $2500 limit. If you're a first time user of Sezzle, you may not be approved for the full $2500.

What's the most Quadpay will give you? ›

Is There a Credit Limit?
  • Zip Pay: There's a maximum spending (credit) limit of $350–$1,000. You can request an increase of up to $1,500 six months after your first purchase.
  • Zip Money: You can be approved for a limit of $1,000.
Jan 15, 2022

Does Sezzle build credit? ›

One of the many benefits of Sezzle is the ability to build your credit! When you upgrade to Sezzle Up, you consent to having us report your Sezzle payment history on your behalf. By making your payments on time, you can increase your credit score, whereas missed payments may adversely impact your credit score.

Can I use Sezzle to pay bills? ›

Can I use Sezzle to pay bills? Sezzle only works with participating online retailers, Apple Pay, and Google Pay for in-store and online purchases.

What's the highest Afterpay limit? ›

What Is the Highest Afterpay Limit? The highest a customer can spend with Afterpay in a single transaction is $1,500. In addition, customers can hold an outstanding limit of $2,000 per Afterpay account.

How do I get approved for zippay? ›

Earn more than $300 of primary income per week. Have a good credit history. Have your own valid and verifiable email address and mobile number.

How much do you pay upfront with zippay? ›

there's Zip Pay. Apply for up to $1,000 to spend, interest free always. Zip Pay helps you navigate day-to-day life with ease by spreading the cost of your purchases over time. You'll pay nothing upfront, and repay weekly, fortnightly or monthly on a schedule that suits you, with no interest ever.


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