Reviews

25 Best Sites Like Afterpay

January 6, 2023

Like Afterpay, but wonder if there are different alternatives?

You’re not alone.

These are becoming more and more popular, and with some of them offering buy now pay later without interest as long as you pay it off in a reasonable timeframe, it’s no wonder people are joining these now more than ever.

Here are the 25 best sites like Afterpay to check out.

First, this company has paid $25+ million to members:

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Why Other Sites Like Afterpay?

Some of them have low upfront payments.

Others have no interest.

Some of them have different payment plans that can span up to 12 months.

Regardless of where you check, there are options and worth checking out.

25 Best Alternative Sites Like Afterpay

Here are 25 sites that are just like Afterpay.

1. Klarna

Klarna is probably one of the best apps for buy now, pay later, and like Afterpay.

You can make payments in 4 different ways, with a quarter being charged upfront and then the rest of it being charged over the next 6 weeks.

It’s a good way to split it up if you want to make sure that you’re able to split this effectively.

Click here to check out Klarna

2. Venue

Another alternative offers a premium market for products that you can buy now pay later.

They need it paid off within 90 days, but they offer a flexible payment offer for a variety of different luxury products, which is what a lot of people enjoy about it.

Click here to check out Venue

3. Zippay

This is a website that lets customers buy and pay later.

While not available everywhere, you can get a spending limit of $1000 to buy items and then pay it later.

It’s interest-free so long as you pay it off within a period of time, and they even work with being retailers such as Amazon, Target, and so much more.

They do charge an account and repayment fee, so be mindful if you use that.

Click here to check out ZipPay

4. Sezzle

This is another buy now pay later, and it’s done over periods of four payments.

It allows you to buy from a bunch of retailers, and it won’t impact the credit score either if you use this.

It is interest-free payments, too, so you can actually split this quite easily, and it makes it easy on buyers.

Click here to check out Sezzle

5. PayPal Credit

Probably one of the most popular, if you make a purchase of over $99 on PayPal credit, you can pay it off within 6 or so months, without interest added.

There are millions of businesses who use it now, and it is a great alternative to Afterpay.

Click here to check out PayPal Credit

6. Quadpay

This is a service that lets you split up the purchases over a certain period of six weeks.

You do need to link a card to this, and it offers a great and seamless experience.

Like many of the other options, this one does require you to pay 25% upfront as well.

Click here to check out Quadpay

7. Fingerhut

Fingerhut is like Afterpay, but this offers an option to bill later, and it is pretty easy to not only buy items but pay the bills too.

It works for a lot of different options, so if you don’t feel like using Afterpay or it’s not accepted, you can check to see if it’s on Fingerhut and then buy from there.

Click here to check out Fingerhut

8. SplitIt

This is another site like Afterpay, but it works with current cards, and you don’t have to worry about interest.

They don’t’ do a credit check, but they do set a credit limit, and the installment plan is then determined over a period of payments when you check out.

Click here to check out SplitIt

Also See: Alternative Sites Like ASOS, Sites Like Redbubble & Best Sites Like Offerup

9. Perpay

This is a great one for no credit or bad credit.

They don’t specify the limits until you sign up, but they don’t offer a credit check.

You can only complete an order of $500 before credit can be built, and it’s limited to the marketplace they have.

But with no fees and interests, it’s an alternative that many people like.

Click here to check out Perpay

10. Affirm

Affirm is another company that offers you chances to support different purchases, for example, sudden repairs, products, and the like.

It does support a lot of everyday items, and you can actually have the payment for about 6-12 months set up, making it seamless.

Click here to check out Affirm

11. Nelo

This is a site that lets you pay for products in installments, but they keep this until you’ve paid it off.

It does hold you accountable, and while you don’t get it right away, it can be good if you want to try layaway still.

Click here to check out Nelo

12. Openpay

Openpay is a pretty easy service where you can buy $10K of products and get a 12-month period t pay it off.

Of course, they don’t just let anyone spend that much, but this is an option if you want to possibly buy new things.

You can also work with the budgets that they offer too.

Click here to check out OpenPay

13. Earnest

For those looking to get their finances in order and build up their savings as best as they can, this is a good one.

It’s a good site like Afterpay since it’s used for those who are struggling to make ends meet, and they also help with repaying different items too.

They also teach you valuable spending habits as well.

Click here to check out Earnest

14. Zebit

This is an eCommerce business that’s for those people who are credit challenged, allowing them to buy a bunch of products and then pay it over 6 months without worrying about fines and fees.

It’s a great app like Afterpay for paying off a variety of different products.

So far, it’s gotten $90 million in venture capital, and it is growing even more so to this day.

Again, this company has paid $25+ million to members:

Click here to check out Zebit

15. Partial.ly

This is a great site since it offers flexible payments like Afterpay.

It offers businesses and customers easier cash flow by offering flexible payment.

There are also no hidden fees with this site either.

Click here to check out Partial.ly

16. Sunbit

This is another buy now pay later site for pretty much any everyday goods out there.

It also offers services too, so if you want to do buy now pay later on different services, it’s a good one.

It can be used for medical care or even car repairs, too, offering a variety of options for people to use.

Click here to check out Sunbit

17. J2Store

An eCommerce business that uses Joomla, another option for buy now pay later, this lets customers and businesses alike use buy now pay later services like Afterpay.

It’s a pretty seamless service, and it does target both the customers and the businesses, too, so that everything runs seamlessly.

Click here to check out J2Store

18. FuturePay

This is another option for flexible payments like Afterpay.

You pay it in the future as the name suggests and is very transparent about the terms of the sale.

They also discuss hidden fees too, and they’ll never charge you for anything you haven’t agreed to, so it’s a seamless site that’ll help/.

Click here to check out FuturePay

19. Laybuy

This is another installment solution like Afterpay.

However, currently, it’s only available to NZ, Australia, and UK residents, so it’s not for everyone.

But if you live in those places and want to make sure that everything’s paid off in six months, this is an easy way to do it.

They also let you pay early, which is pretty cool as well.

Click here to check out Laybuy

20. Billease

This is a cool site that lets you buy now pay later on different items, including bills.

It’s available currently for those in the Philippines, but with the low-interest rate, it’s pretty easy to work with, and they let you choose the payments as well.

If you live there, this can be a good option for you to use.

Click here to check out Billease

21. Viabill

For US and Denmark residents, this is a great option.

You can pay off items in just four installments, with the limit being $300, but over time, you usually get charged the other payments.

It doesn’t offer interests or hidden fees and no penalties, and it can be great for shoppers to try this without needing to worry about it.

Click here to check out Viabill

22. Atokes

This offers similar options to Afterpay, but they do use credit limits and interest-free spending.

Most people will need to show income and documents, with the users now giving six months of installments without interests, which does go up to about 10 depending on your payments.

It’s pretty cool, too, since it is based in a way that lets you pay an amount that takes out a bit from the total amount of the installation.

Click here to check out Atokes

23. Littlewoods

This is a retail chain located in the UK that uses an Afterpay service.

It offers interest-free programs where if you may the payment within 20 weeks, or 52 weeks you get 0% interest.

You can also buy now pay later for up to 12 months with them, and you also don’t get paid interest if you do it beforehand.

They’re great for furniture if you live in the area and then need it.

Click here to check out Littlewoods

24. Laterpay

This is another buy now pay later option for businesses to use if they want to monetize any content that they’re selling without the risk.

Consumers also offer different ways to make digital payments easy for you too, and it does let you set up a seamless payment plan that lets you pay it off within 6 months, sometimes longer.

Click here to check out Laterpay

25. Divido

this is an emerging company offering new solutions for PoS services.

It is a platform that does the buy now pay later services for businesses who want to implement it.

While it is still a new company, it’s getting more and more companies lenders in order to offer this, so that if a person wants to put it on credit, they can.

It is still in its inception, but it is a possible company to look into as well for this service.

Click here to check out Divido

Check out the following related articles for more on companies like Afterpay

Alternatives to Afterpay FAQs

Is Afterpay Bad for Your Credit?

Afterpay does do credit checks with this, so if you don’t want them to run your credit, you definitely may want to choose another option.

Afterpay also has the option to tell about any activity that’s negative if it wasn’t paid on time, and that could be a problem for your credit if you’re worried about it.

What’s the Best Afterpay Alternative?

Currently, it’s Zip or PayPal credit, but Klarna is also a good one as well.

What’s the Limit for These Afterpay Alternative Sites?

It all depends.

Some people only get a $1000 limit to start with, which may go up after a little bit.

Others, it’s dependent upon the information that you’ve shared as well, so if you’re worried about whether or not it will have a limit, it is mostly dependent upon what you give them for information.

It’s best if you sign up and ask about this before using it.

What Happens if I Don’t Pay It Quick Enough?

Can you be charged interest for this?

The interest, of course, is dependent upon what type of situation you’re in and what the site offers.

This can occur quite fast, so be mindful of this when you’re looking to incorporate interest in this as well.

Should I Use a Site Like Afterpay?

That all depends.

If you have the responsibility to handle this type of buy now pay later service, then go for it.

If you don’t think you’ll be able to pay this off in the period of time listed, it may not be wise to buy it now, and it might be better if you wait until you have the money before you decide to spend it on this.

It’s ultimately at your discretion, though.

Conclusion

There are tons of sites like Afterpay that you can check out, and if you don’t want to use Afterpay, you’re not out of options.

There are other companies that don’t run credit and also don’t have a low limit, so you can definitely exercise your options as needed.

Again, this company has paid $25+ million to members: