Apps Like Afterpay: 12 Alternatives to Consider in 2024! ✅

Video: Buy Now, Pay Later. No Credit Check. Instant Approval: Top 5 Apps for Big Purchases CREDIT S2E43.







Have you ever found yourself wanting to make a purchase but not quite ready to pay the full amount upfront? That’s where “buy now, pay later” apps like Afterpay come in handy. Afterpay allows you to split your payment into four equal installments, making it easier to manage your budget. But what if you’re looking for alternatives to Afterpay? In this article, we’ll explore 12 apps like Afterpay that offer similar services and features. Whether you’re looking for more flexibility, lower fees, or a different user experience, we’ve got you covered. So let’s dive in and discover the best Afterpay alternatives for 2024!

Quick Answer: Apps Like Afterpay

If you’re short on time and just want a quick overview of the best apps like Afterpay, here’s a list to get you started:

  1. Klarna
  2. Sezzle
  3. Quadpay
  4. Affirm
  5. Splitit
  6. PayPal Pay in 4
  7. Zip
  8. Openpay
  9. Laybuy
  10. Humm
  11. Clearpay
  12. SplitPay

Now, let’s take a closer look at each of these alternatives and explore their unique features and benefits.

Quick Tips and Facts

  • Afterpay is a popular “buy now, pay later” app that allows you to split your payment into four installments.
  • Afterpay is available for online and in-store purchases.
  • Afterpay charges late fees if you miss a payment.
  • Afterpay is not available for all merchants.
  • Afterpay is available in select countries, including the United States, Australia, and the United Kingdom.

Klarna: The All-in-One Shopping App 🛍️

Video: Klarna vs Afterpay: Which is Better? (2024).







Klarna is one of the most popular alternatives to Afterpay, offering a seamless shopping experience with a wide range of features. With Klarna, you can split your payment into four installments or choose to pay in full at a later date. Klarna also offers a “Pay in 30 days” option, allowing you to try before you buy. Additionally, Klarna provides personalized recommendations and exclusive deals based on your shopping preferences. With its user-friendly interface and extensive merchant network, Klarna is a top choice for those looking for an all-in-one shopping app.

Klarna Rating:

Aspect Rating
Design 9
Functionality 9
Performance 9
Cost-Effectiveness 8
Overall 9

Design (9/10)

Klarna’s app features a sleek and modern design that is both visually appealing and easy to navigate. The interface is intuitive, making it simple to browse and make purchases.

Functionality (9/10)

Klarna offers a wide range of features, including split payments, deferred payments, and personalized recommendations. The app integrates seamlessly with online stores, allowing for a smooth shopping experience.

Performance (9/10)

Klarna’s app performs well, with fast loading times and minimal glitches. The checkout process is quick and efficient, ensuring a seamless transaction.

Cost-Effectiveness (8/10)

While Klarna does charge late fees for missed payments, the overall cost-effectiveness of the app is high. The convenience and flexibility it offers make it worth considering.

Pros of Klarna:

  • Wide range of features, including split payments and deferred payments.
  • Personalized recommendations and exclusive deals.
  • User-friendly interface and intuitive design.
  • Extensive merchant network.

Cons of Klarna:

  • Late fees for missed payments.
  • Limited availability in certain countries.

👉 CHECK PRICE on: Amazon | Walmart | Apple App Store | Google Play Store

Sezzle: Flexible Payments Made Easy 💪

Video: The PROBLEM With Buy Now Pay Later.







Sezzle is another popular alternative to Afterpay, known for its flexibility and ease of use. With Sezzle, you can split your payment into four interest-free installments, with the first payment due at the time of purchase. Sezzle also offers a “Shop Now, Pay Later” virtual card, allowing you to make purchases at any online store that accepts Mastercard. The app provides a seamless shopping experience, with real-time approvals and instant access to your virtual card. If you’re looking for a flexible payment option, Sezzle is definitely worth considering.

Sezzle Rating:

Aspect Rating
Design 8
Functionality 9
Performance 9
Cost-Effectiveness 9
Overall 9

Design (8/10)

Sezzle’s app has a clean and modern design that is easy on the eyes. The interface is user-friendly, making it simple to navigate and complete transactions.

Functionality (9/10)

Sezzle offers a range of features, including split payments, virtual cards, and real-time approvals. The app integrates seamlessly with online stores, providing a smooth shopping experience.

Performance (9/10)

Sezzle’s app performs well, with fast loading times and reliable functionality. The checkout process is quick and hassle-free, ensuring a seamless transaction.

Cost-Effectiveness (9/10)

Sezzle is known for its cost-effectiveness, with no interest or hidden fees. The app provides a transparent payment solution that is easy to manage.

Pros of Sezzle:

  • Flexible payment options with no interest or hidden fees.
  • “Shop Now, Pay Later” virtual card for online purchases.
  • Real-time approvals and instant access to your virtual card.
  • User-friendly interface and seamless shopping experience.

Cons of Sezzle:

  • Limited availability in certain countries.

👉 CHECK PRICE on: Amazon | Walmart | Apple App Store | Google Play Store

Quadpay: Split Payments Made Simple 🔄

Video: QuadPay Explained | Buy Now Pay Later.







Quadpay is a popular alternative to Afterpay, offering a simple and convenient way to split your payment into four installments. With Quadpay, you can make purchases both online and in-store, making it a versatile option for all your shopping needs. The app provides real-time approvals and instant access to your virtual card, allowing you to shop with ease. Quadpay also offers a “Shop Anywhere” feature, which allows you to split payments at any store that accepts Visa. If you’re looking for a straightforward payment solution, Quadpay is worth considering.

Quadpay Rating:

Aspect Rating
Design 8
Functionality 8
Performance 8
Cost-Effectiveness 9
Overall 8

Design (8/10)

Quadpay’s app features a clean and modern design that is visually appealing. The interface is user-friendly, making it easy to navigate and complete transactions.

Functionality (8/10)

Quadpay offers a range of features, including split payments, real-time approvals, and a “Shop Anywhere” option. The app integrates seamlessly with online and offline stores, providing a convenient shopping experience.

Performance (8/10)

Quadpay’s app performs well, with fast loading times and reliable functionality. The checkout process is quick and efficient, ensuring a seamless transaction.

Cost-Effectiveness (9/10)

Quadpay is known for its cost-effectiveness, with no interest or hidden fees. The app provides a transparent payment solution that is easy to manage.

Pros of Quadpay:

  • Split payments both online and in-store.
  • Real-time approvals and instant access to your virtual card.
  • “Shop Anywhere” feature for payments at any store that accepts Visa.
  • Cost-effective payment solution with no interest or hidden fees.

Cons of Quadpay:

  • Limited availability in certain countries.

👉 CHECK PRICE on: Amazon | Walmart | Apple App Store | Google Play Store

Affirm: Transparent Financing for Online Purchases 💳

Video: Best Buy Now Pay Later (BNPL) Solutions for your Business | Affirm, Afterpay and Klarna.







Affirm is a financing alternative to Afterpay that offers transparent and flexible payment options for online purchases. With Affirm, you can choose to pay for your purchase in fixed monthly installments over a set period of time. Affirm provides real-time financing decisions, allowing you to know your options before making a purchase. The app also offers personalized recommendations and exclusive deals based on your shopping preferences. If you’re looking for a transparent financing solution, Affirm is a great choice.

Affirm Rating:

Aspect Rating
Design 9
Functionality 9
Performance 9
Cost-Effectiveness 8
Overall 9

Design (9/10)

Affirm’s app features a clean and modern design that is visually appealing. The interface is user-friendly, making it easy to navigate and complete transactions.

Functionality (9/10)

Affirm offers a range of features, including flexible payment options and real-time financing decisions. The app integrates seamlessly with online stores, providing a convenient shopping experience.

Performance (9/10)

Affirm’s app performs well, with fast loading times and reliable functionality. The checkout process is quick and efficient, ensuring a seamless transaction.

Cost-Effectiveness (8/10)

While Affirm does charge interest on some purchases, the overall cost-effectiveness of the app is high. The transparency and flexibility it offers make it worth considering.

Pros of Affirm:

  • Transparent financing options for online purchases.
  • Real-time financing decisions.
  • Personalized recommendations and exclusive deals.
  • User-friendly interface and seamless shopping experience.

Cons of Affirm:

  • Interest charges on some purchases.
  • Limited availability in certain countries.

👉 CHECK PRICE on: Amazon | Walmart | Apple App Store | Google Play Store

Splitit: Split Payments with Your Existing Credit Card 💳

Video: SPLITIT GOES GLOBAL WITH MASTERCARD DEAL .







Splitit is a unique alternative to Afterpay that allows you to split your payment using your existing credit card. With Splitit, there are no applications, no interest, and no fees. You simply select Splitit as your payment method at checkout and choose the number of installments you’d like to split your payment into. Splitit works with your existing credit limit, so there’s no need for additional credit checks or applications. If you prefer to use your own credit card for split payments, Splitit is a great option.

Splitit Rating:

Aspect Rating
Design 8
Functionality 8
Performance 8
Cost-Effectiveness 9
Overall 8

Design (8/10)

Splitit’s app has a clean and modern design that is visually appealing. The interface is user-friendly, making it easy to navigate and complete transactions.

Functionality (8/10)

Splitit offers a straightforward payment solution, allowing you to split your payment using your existing credit card. The app integrates seamlessly with online stores, providing a convenient shopping experience.

Performance (8/10)

Splitit’s app performs well, with fast loading times and reliable functionality. The checkout process is quick and efficient, ensuring a seamless transaction.

Cost-Effectiveness (9/10)

Splitit is known for its cost-effectiveness, with no interest or fees. The app provides a transparent payment solution that is easy to manage.

Pros of Splitit:

  • Split payments using your existing credit card.
  • No applications, interest, or fees.
  • No need for additional credit checks or applications.
  • Cost-effective payment solution.

Cons of Splitit:

  • Limited availability in certain countries.

👉 CHECK PRICE on: Amazon | Walmart | Apple App Store | Google Play Store

PayPal Pay in 4: Split Payments with PayPal 💰

Video: Pay in 4 with PayPal: Full walkthrough (interest free loans!) .







PayPal Pay in 4 is a payment option offered by PayPal that allows you to split your payment into four interest-free installments. With PayPal Pay in 4, you can make purchases both online and in-store using your PayPal account. The app provides real-time approvals and instant access to your virtual card, making it easy to shop with confidence. PayPal Pay in 4 is a convenient option for those who already have a PayPal account and want to split their payments.

PayPal Pay in 4 Rating:

Aspect Rating
Design 9
Functionality 9
Performance 9
Cost-Effectiveness 9
Overall 9

Design (9/10)

PayPal Pay in 4’s app features a clean and modern design that is visually appealing. The interface is user-friendly, making it easy to navigate and complete transactions.

Functionality (9/10)

PayPal Pay in 4 offers a range of features, including split payments, real-time approvals, and instant access to your virtual card. The app integrates seamlessly with online and offline stores, providing a convenient shopping experience.

Performance (9/10)

PayPal Pay in 4’s app performs well, with fast loading times and reliable functionality. The checkout process is quick and efficient, ensuring a seamless transaction.

Cost-Effectiveness (9/10)

PayPal Pay in 4 is known for its cost-effectiveness, with no interest or hidden fees. The app provides a transparent payment solution that is easy to manage.

Pros of PayPal Pay in 4:

  • Split payments both online and in-store using your PayPal account.
  • Real-time approvals and instant access to your virtual card.
  • Cost-effective payment solution with no interest or hidden fees.
  • User-friendly interface and seamless shopping experience.

Cons of PayPal Pay in 4:

  • Limited availability in certain countries.

👉 CHECK PRICE on: Amazon | Walmart | Apple App Store | Google Play Store

Zip: Flexible Payments for Online and In-Store Purchases 🌐

Video: Zip Pay Tutorial (2023) – How to Use the Zip Pay App.







Zip is an alternative to Afterpay that offers flexible payment options for both online and in-store purchases. With Zip, you can split your payment into four interest-free installments or choose to pay in full at a later date. Zip also offers a “Shop Anywhere” feature, allowing you to split payments at any store that accepts Visa. The app provides real-time approvals and instant access to your virtual card, making it easy to shop with confidence. If you’re looking for a versatile payment solution, Zip is a great choice.

Zip Rating:

Aspect Rating
Design 8
Functionality 8
Performance 8
Cost-Effectiveness 9
Overall 8

Design (8/10)

Zip’s app has a clean and modern design that is visually appealing. The interface is user-friendly, making it easy to navigate and complete transactions.

Functionality (8/10)

Zip offers a range of features, including split payments, real-time approvals, and a “Shop Anywhere” option. The app integrates seamlessly with online and offline stores, providing a convenient shopping experience.

Performance (8/10)

Zip’s app performs well, with fast loading times and reliable functionality. The checkout process is quick and efficient, ensuring a seamless transaction.

Cost-Effectiveness (9/10)

Zip is known for its cost-effectiveness, with no interest or hidden fees. The app provides a transparent payment solution that is easy to manage.

Pros of Zip:

  • Flexible payment options for online and in-store purchases.
  • Real-time approvals and instant access to your virtual card.
  • “Shop Anywhere” feature for payments at any store that accepts Visa.
  • Cost-effective payment solution with no interest or hidden fees.

Cons of Zip:

  • Limited availability in certain countries.

👉 CHECK PRICE on: Amazon | Walmart | Apple App Store | Google Play Store

Openpay: Flexible Payments for Big Purchases 💪

Video: Best Buy Now Pay Later Apps For Each Type Of Person.







Openpay is an alternative to Afterpay that offers flexible payment options for big purchases. With Openpay, you can split your payment into interest-free installments over a longer period of time, making it easier to manage larger expenses. Openpay also offers a “Shop Anywhere” feature, allowing you to split payments at any store that accepts Mastercard. The app provides real-time approvals and instant access to your virtual card, making it easy to shop with confidence. If you’re looking for a payment solution for big purchases, Openpay is a great choice.

Openpay Rating:

Aspect Rating
Design 8
Functionality 8
Performance 8
Cost-Effectiveness 9
Overall 8

Design (8/10)

Openpay’s app features a clean and modern design that is visually appealing. The interface is user-friendly, making it easy to navigate and complete transactions.

Functionality (8/10)

Openpay offers a range of features, including flexible payment options and real-time approvals. The app integrates seamlessly with online and offline stores, providing a convenient shopping experience.

Performance (8/10)

Openpay’s app performs well, with fast loading times and reliable functionality. The checkout process is quick and efficient, ensuring a seamless transaction.

Cost-Effectiveness (9/10)

Openpay is known for its cost-effectiveness, with no interest or hidden fees. The app provides a transparent payment solution that is easy to manage.

Pros of Openpay:

  • Flexible payment options for big purchases.
  • Real-time approvals and instant access to your virtual card.
  • “Shop Anywhere” feature for payments at any store that accepts Mastercard.
  • Cost-effective payment solution with no interest or hidden fees.

Cons of Openpay:

  • Limited availability in certain countries.

👉 CHECK PRICE on: Amazon | Walmart | Apple App Store | Google Play Store

Laybuy: Interest-Free Payments Made Easy 💰

Video: The dark side of Buy Now Pay Later apps.







Laybuy is an alternative to Afterpay that offers interest-free payments for online and in-store purchases. With Laybuy, you can split your payment into six interest-free installments, making it easier to manage your budget. The app provides real-time approvals and instant access to your virtual card, allowing you to shop with confidence. Laybuy also offers a “Shop Anywhere” feature, allowing you to split payments at any store that accepts Visa. If you’re looking for a simple and convenient payment solution, Laybuy is a great choice.

Laybuy Rating:

Aspect Rating
Design 8
Functionality 8
Performance 8
Cost-Effectiveness 9
Overall 8

Design (8/10)

Laybuy’s app features a clean and modern design that is visually appealing. The interface is user-friendly, making it easy to navigate and complete transactions.

Functionality (8/10)

Laybuy offers a range of features, including split payments, real-time approvals, and a “Shop Anywhere” option. The app integrates seamlessly with online and offline stores, providing a convenient shopping experience.

Performance (8/10)

Laybuy’s app performs well, with fast loading times and reliable functionality. The checkout process is quick and efficient, ensuring a seamless transaction.

Cost-Effectiveness (9/10)

Laybuy is known for its cost-effectiveness, with no interest or hidden fees. The app provides a transparent payment solution that is easy to manage.

Pros of Laybuy:

  • Interest-free payments for online and in-store purchases.
  • Real-time approvals and instant access to your virtual card.
  • “Shop Anywhere” feature for payments at any store that accepts Visa.
  • Cost-effective payment solution with no interest or hidden fees.

Cons of Laybuy:

  • Limited availability in certain countries.

👉 CHECK PRICE on: Amazon | Walmart | Apple App Store | Google Play Store

Humm: Buy Now, Pay Later with Humm 💳

Video: Humm helps everyday Australians Buy Now Pay Later.







Humm is an alternative to Afterpay that offers flexible payment options for online and in-store purchases. With Humm, you can split your payment into interest-free installments over a set period of time. Humm also offers a “Little Things” feature, allowing you to split payments for smaller purchases. The app provides real-time approvals and instant access to your virtual card, making it easy to shop with confidence. If you’re looking for a versatile payment solution, Humm is worth considering.

Humm Rating:

Aspect Rating
Design 8
Functionality 8
Performance 8
Cost-Effectiveness 9
Overall 8

Design (8/10)

Humm’s app has a clean and modern design that is visually appealing. The interface is user-friendly, making it easy to navigate and complete transactions.

Functionality (8/10)

Humm offers a range of features, including flexible payment options and real-time approvals. The app integrates seamlessly with online and offline stores, providing a convenient shopping experience.

Performance (8/10)

Humm’s app performs well, with fast loading times and reliable functionality. The checkout process is quick and efficient, ensuring a seamless transaction.

Cost-Effectiveness (9/10)

Humm is known for its cost-effectiveness, with no interest or hidden fees. The app provides a transparent payment solution that is easy to manage.

Pros of Humm:

  • Flexible payment options for online and in-store purchases.
  • Real-time approvals and instant access to your virtual card.
  • “Little Things” feature for splitting payments for smaller purchases.
  • Cost-effective payment solution with no interest or hidden fees.

Cons of Humm:

  • Limited availability in certain countries.

👉 CHECK PRICE on: Amazon | Walmart | Apple App Store | Google Play Store

Clearpay: Fashionable Payments Made Easy 👗

Video: HOW TO PAY WITH CLEARPAY IN ANY STORE 2024! (FULL GUIDE).







Clearpay is an alternative to Afterpay that specializes in fashion and beauty purchases. With Clearpay, you can split your payment into four interest-free installments, making it easier to manage your budget. The app provides real-time approvals and instant access to your virtual card, allowing you to shop with confidence. Clearpay also offers a “Shop Anywhere” feature, allowing you to split payments at any store that accepts Mastercard. If you’re a fashion enthusiast looking for a convenient payment solution, Clearpay is a great choice.

Clearpay Rating:

Aspect Rating
Design 9
Functionality 9
Performance 9
Cost-Effectiveness 8
Overall 9

Design (9/10)

Clearpay’s app features a sleek and modern design that is visually appealing. The interface is user-friendly, making it easy to navigate and complete transactions.

Functionality (9/10)

Clearpay offers a range of features, including split payments, real-time approvals, and a “Shop Anywhere” option. The app integrates seamlessly with online and offline fashion stores, providing a convenient shopping experience.

Performance (9/10)

Clearpay’s app performs well, with fast loading times and reliable functionality. The checkout process is quick and efficient, ensuring a seamless transaction.

Cost-Effectiveness (8/10)

While Clearpay does charge late fees for missed payments, the overall cost-effectiveness of the app is high. The convenience and flexibility it offers make it worth considering.

Pros of Clearpay:

  • Specializes in fashion and beauty purchases.
  • Split payments both online and in-store.
  • Real-time approvals and instant access to your virtual card.
  • “Shop Anywhere” feature for payments at any store that accepts Mastercard.

Cons of Clearpay:

  • Late fees for missed payments.
  • Limited availability in certain countries.

👉 CHECK PRICE on: Amazon | Walmart | Apple App Store | Google Play Store

SplitPay: Split Payments Made Simple 🔄

Video: Afterpay Alternatives That EVERYONE Needs To Know About!







SplitPay is an alternative to Afterpay that offers a simple and convenient way to split your payment into four installments. With SplitPay, you can make purchases both online and in-store, making it a versatile option for all your shopping needs. The app provides real-time approvals and instant access to your virtual card, allowing you to shop with confidence. SplitPay also offers a “Shop Anywhere” feature, allowing you to split payments at any store that accepts Visa. If you’re looking for a straightforward payment solution, SplitPay is worth considering.

SplitPay Rating:

Aspect Rating
Design 8
Functionality 8
Performance 8
Cost-Effectiveness 9
Overall 8

Design (8/10)

SplitPay’s app has a clean and modern design that is visually appealing. The interface is user-friendly, making it easy to navigate and complete transactions.

Functionality (8/10)

SplitPay offers a range of features, including split payments, real-time approvals, and a “Shop Anywhere” option. The app integrates seamlessly with online and offline stores, providing a convenient shopping experience.

Performance (8/10)

SplitPay’s app performs well, with fast loading times and reliable functionality. The checkout process is quick and efficient, ensuring a seamless transaction.

Cost-Effectiveness (9/10)

SplitPay is known for its cost-effectiveness, with no interest or hidden fees. The app provides a transparent payment solution that is easy to manage.

Pros of SplitPay:

  • Split payments both online and in-store.
  • Real-time approvals and instant access to your virtual card.
  • “Shop Anywhere” feature for payments at any store that accepts Visa.
  • Cost-effective payment solution with no interest or hidden fees.

Cons of SplitPay:

  • Limited availability in certain countries.

👉 CHECK PRICE on: Amazon | Walmart | Apple App Store | Google Play Store

FAQ

person using smartphone

What app is better than Afterpay?

While Afterpay is a popular choice, the best app for you depends on your specific needs and preferences. Some popular alternatives to Afterpay include Klarna, Sezzle, Quadpay, and Affirm. Each of these apps offers unique features and benefits, so it’s important to consider what matters most to you when making a decision.

Read more about “Is Afterpay Better Than Affirm? … 💰”

Which is better, Sezzle or Afterpay?

Both Sezzle and Afterpay are popular “buy now, pay later” apps that offer similar services. The better option for you depends on your personal preferences and needs. Sezzle is known for its flexibility and ease of use, while Afterpay has a larger merchant network. Consider factors such as availability, fees, and the types of stores you shop at when deciding between Sezzle and Afterpay.

Which buy now, pay later app is easiest to get approved for?

The ease of approval for buy now, pay later apps can vary depending on several factors, including your credit history and the specific app’s approval criteria. Generally, apps like Klarna, Sezzle, and Quadpay have more lenient approval requirements compared to traditional credit cards. These apps may be a good option if you’re looking for an easier approval process.

What’s another pay later app?

There are several pay later apps available in the market. Some popular options include Klarna, Sezzle, Quadpay, Affirm, Splitit, PayPal Pay in 4, Zip, Openpay, Laybuy, Humm, Clearpay, and SplitPay. Each of these apps offers unique features and benefits, so it’s important to consider your specific needs when choosing a pay later app.

Conclusion

boy in gray shirt sitting on chair

In conclusion, if you’re looking for alternatives to Afterpay, there are plenty of options to choose from. Whether you’re looking for more flexibility, lower fees, or a different user experience, the apps mentioned in this article have got you covered. From Klarna’s all-in-one shopping app to Sezzle’s flexible payments, each app offers its own unique features and benefits. Consider your specific needs and preferences when choosing the best app for you. So go ahead, explore these apps, and find the perfect “buy now, pay later” solution that suits your lifestyle!

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