Are you looking for the best alternatives to Affirm apps and websites? Here is a list of the best apps and websites for you. Affirm is famous for its flexible payment offerings, which provide users with a buy now, pay later concept that means you can buy anything and pay for it later.

There are multiple platforms similar to Affirm on the internet and based on their popularity and services, we have shortlisted the best ones for you. We have also provided details for each platform so that you can choose the one that best suits your needs.

Here, we have compiled a list of the best alternative apps and websites to Affirm that allow you to buy things and pay later or in installments. Without further ado, let’s start moving to the list.

Best Sites and Apps Like Affirm

We have tried many websites and apps similar to Affirm and finally compiled a list of the best Affirm alternative apps and websites that you should try out.

1. Klarna


Klarna is a well-known platform that offers Buy Now, Pay Later services without any interest. It provides users with a flexible payment method, giving them the flexibility to pay in installments.

This feature is especially beneficial for those whose budget is limited. You can simply split your payment into four installments that you must pay every two weeks.

Additionally, if you do not wish to pay in installments, Klarna offers an interest-free option where you can pay after 30 days. It also rewards you with 1 Vibe for every dollar spent, and you can use Vibes at Starbucks, Sephora, and other places.

Klarna Link: Website, Android, iOS

2. Afterpay 


Afterpay is one of the most popular shopping platforms that allows you to pay later. It is available in many countries, including the United States, Australia, Canada, France, New Zealand, United Kingdom, Italy, and many more. With this platform, you can easily manage your finances as per your desires.

It offers the option to pay in four interest-free installments. You can buy any product and convert the payment into monthly EMIs. Afterpay offers a wide range of products that you can buy online or from a physical store. You can also use your Afterpay account at any store that accepts Afterpay as a payment method.

Afterpay Link: Website, Android, iOS

3. Sezzle


Sezzel is the best alternative to Affirm, where you can use Buy Now Pay Later services. You can buy items from their app or website and pay in interest-free installments. To get started, simply sign up for a Sezel account, and they’ll quickly review and approve your application if your documents are correct.

You can easily manage your payments and track all upcoming installments through the Seizel app. Additionally, they send payment notification SMS to your registered mobile number to confirm that you do not miss any payment. The Sezal app has over one million downloads and has a rating of 4.9 on the App Store.

Sezzle Link: Website, Android, iOS

4. PayPal Credit

Paypal credit

Another great alternative to Affirm is PayPal Credit. If you use PayPal for payment, you can easily get approved for PayPal credit. PayPal Credit is not a shopping platform, it allows you to convert your payments into installments. Additionally, it offers a 6-month interest-free installment offer on your purchase.

If you ever miss an installment, PayPal Credit will charge you 23.99% APR interest from the date of purchase. For payments less than $99, you must pay them within a month. Otherwise, interest will be added. On the Google Play Store, it has been downloaded over 100 million times, and on iOS, it has over 1.1 million ratings with an average rating of 4.9.

PayPal Credit Link: Website, Android, iOS

5. Splitit 


Splitit offers the best Buy Now, Pay Later option for all buyers. You can split your payment into installments during the payment process and choose the number of installments you want.

However, please note that if you want interest-free EMI, Splitit offers it only for a period of four months. The best thing about Splitit is that most retailers and businesses accept Splitit as an online payment method.

Splitit Link: Website

6. Zip


Zip is another excellent option for those looking for the best alternative to Affirm. Many of you may be familiar with Zip as Quadpay, but it has now been rebranded as Zip, so there is no need for confusion. With Zip, you don’t need to pay any extra money apart from the product amount.

You can easily manage your payments and track your transaction history with the Zip app. It has a rating of 4.9 on iOS and has been downloaded over 1 million on the Google Play Store.

Zip Link: Website, Android, iOS

7. Bajaj Finance

Bajaj Finance

Bajaj Finance is a great Buy Now, Pay Later option for Indians. In India, you can definitely consider Bajaj Finance for purchasing products and paying in installments. You can choose an installment for up to 8 months without any interest.

Anyone can get approval from them and start buying in EMIs with 0% interest. In its app, you can track all your transaction history as well as your ongoing EMIs.

Bajaj Finance Link: Website, Android, iOS

8. FlexShopper


Flexshopper offers you a wide range of products that you can buy flexibly through monthly and weekly EMIs. Even if your credit score is less than ideal, you can still get approved by providing the right documents.

Simply create your Flexshopper account, complete the application process, and wait for approval. It also provides the product on lease and charges you on a weekly basis. If you like a particular product, you have the option of owning it permanently.

FlexShopper Link: Website, iOS

9. Bread Pay

Bread Pay

Bread Pay is another great option for those who have a limited budget but want to buy something on EMI. It also integrates with a number of online retailers, so all you have to do is select Bread Pay during checkout, and you’re done.

You can even get a loan from Bread Pay from $100 to $10,000—it’s up to you. The interest rate on the loan goes up to 29.99%, which is the same as Affirm.

Bread Pay Link: Website, Android, iOS

10. ViaBill


ViaBill also offers the facility of Buy Now, Pay Later, making it easy for anyone to buy the products they want. All you need to do to get approved is create an account and submit an application form. Once approved, you can make purchases on any website that supports ViaBill.

With your ViaBill account, you can easily track all your payment details including upcoming EMIs, and make payments directly from your account with ease.

ViaBill Link: Website, Android


I hope you like this list of Affirm alternatives. These are the best alternatives similar to Affirm, where you can enjoy the benefits of the Buy Now Pay Later service. You can also get credit approval easily if your documents are clear. Try one of the options on this list and start shopping for the things you want.

If someone around you needs this service, feel free to share it with them, as it will benefit both them and us. If you know of any other website or app similar to Affirm, please let us know in the comment section.