15 Afterpay Alternatives In 2025

Among the pioneers in financing solutions stands Afterpay, a platform that has redefined how millions of shoppers worldwide approach their purchases. However, as the demand for flexible payment options surges, many Afterpay alternatives have emerged. Whether you’re seeking payment flexibility, lower fees, or perks, these alternatives offer a blend of convenience, affordability, and user-friendly features.  

So, if you are searching for alternatives to Afterpay, you are at the right place. This blog is a comprehensive guide to platforms similar to Afterpay. So, let’s see what each of these alternatives has to offer.

15 Apps Like Afterpay

While there are countless options out there that fittingly match the expectations, they are listed below. You will also find a detailed analysis of each and how they differ from each other. 

1. Sunbit

Through Sunbit, customers can choose from a range of payment options, including short-term and long-term plans, to find the option that best fits their financial situation. Additionally, customers can opt for repayment schedule between 3–72 months after making a down payment. However, the interest rates are influenced by both credit standing and state regulations.

One of the major aspects of Sunbit's payment plans is their accessibility. Moreover, the company approves a high percentage of applicants, including those with less-than-perfect credit scores, by using a proprietary underwriting process. 

► Financing options for expenses start from $50 up to $20,000. 

► Applicable interest rates spanning from 0% to 36%.

2. Denefits

Afterpay alternatives such as Denefits, provide businesses the ability to offer flexible payment plans with minimal interest rates. It supports various industries, including dental care, healthcare, beauty, veterinary, home improvement, and education. Customers can choose from a range of payment plans that best fit their budget. Moreover, its NO CREDIT CHECK POLICY ensures approval for 95% of customers. It reduces the waiting time, ensuring customers promptly access essential services. What’s more—You can use Denefits' payment plans without having to rely on a credit card or loan.

What’s for businesses—They can recover debts on time, effortlessly, and without needing a large recovery team. There are no hidden fees, and businesses get real-time payment insights. Best of all, Denefits integrates effortlessly with existing systems, ensuring a hassle-free experience.

► Multiple payment options for expenses ranging from $300 to $20,000.

► Denefits boasts a 95% approval rate, thanks to its no credit check policy which helps approve customers instantly. 

3. Klarna

Much like Afterpay, Klarna empowers users to shop online and defer payments into manageable installments. Moreover, Klarna's payment plans provide customers with flexibility, convenience, and control over their finances. 

Klarna's "Pay in 4" option divides the total purchase amount into four equal payments, with the first installment due at the time of purchase and the remaining three payments scheduled every two weeks thereafter. With "Pay Later in 30 Days," customers can make purchases and defer payment for up to 30 days. 

Klarna has several payment plans:

► Pay Later: Pay in 14-30 days, with fees between 3.29% + $0.30 and 5.99% + $0.30.

► Pay Now (SOFORT): Available in certain countries, with a fee of around 2.99% + $0.30.

► Extended Financing: Transaction fees range from 3.29% + $0.30 to 5.99% + $0.30.

4. CareCredit

CareCredit is one of the Afterpay alternatives that focus on healthcare financing, offered by Synchrony Bank. It is one of the widely used Afterpay alternatives that provide a line of credit to cover healthcare expenses such as dental care, vision correction, cosmetic procedures, veterinary care, and more. Additionally, CareCredit offers affordable payment plans with 6, 12, 18, or 24-month special financing on qualifying purchases.

► CareCredit offers 0% interest for 6-24 months if you pay the full amount on time.

► APR for new accounts is 32.99%.

► If you’re charged interest, the minimum fee is $2.

► Paper statements cost $1.99 per month if your balance is over $2.50.

5. Payl8r

Payl8r enables customers to split the total cost of their purchase into manageable installments, typically ranging from 2 to 12 months. Besides this, you can pay off these installments gradually, therefore customers can budget more effectively and afford larger purchases. However, it is suggested to review the terms carefully before committing to a payment plan. 

► Repay within 30 days at 0% interest, or choose a plan with interest starting at 1% per month (based on eligibility).

► Setup Fees for Businesses:

• Premium: £850
• Basic: £325
• Essential: £495

6. GoCardless

This Afterpay alternative accepts payments via Direct Debit. However, it's up to the buyer to choose how they'll handle the installment payments. The duration of this period usually varies based on the purchase price. In cases where a purchase amount cannot be easily divided, merchants may ask for a one-time payment to streamline the process. It integrates with popular accounting software platforms, such as Xero, QuickBooks, and Sage, streamlining the invoicing and accounting processes for businesses.

► No monthly fees and lower processing costs with ACH transfers & eChecks

► Custom pricing options:

  Domestic fees:

• Standard: 0.05% + $0.05 (max $5)
• Advanced: 0.75% + $0.05 (max $6.25)
• Pro: 0.90% + $0.05 (max $7)

  International fees:

• Standard: 1.5% + $0.05
• Advanced: 1.75% + $0.05
• Pro: 1.9% + $0.05

7. Affirm

Just like Afterpay, this app provides users with two convenient payment methods.  First, users can choose between flexible payment plans spanning 3, 6, or 12 months, all fee-free when paid on time. Secondly, users can choose options like 4 bi-weekly installments with no fees or interest for easy payment management. With the ease of securing a BNPL loan comes the risk of overextending financially. Before opting for one, confirm that you're capable of meeting the monthly payment obligations.

► The pay-in-4 plan includes an amount of $50–$1,000+ which you need to pay in every 2 weeks. 

► The monthly installment plan includes and amount of $50–$5,000+. You can pay it within 3,6,12,18, 24, 36, and up to 60 months.

8. Zip Co Ltd

Zip Co Ltd (Zip) is an app similar to Afterpay that specializes in digital payment solutions. It specifically caters to industries including retail, education, health, and travel. Not only this, but also Zip provides integrated retail finance solutions for businesses of all sizes, both online and in-store. 

Under this arrangement, the total purchase amount is divided into 4 equal installments, with payments due biweekly, with the first installment settled at the time of checkout. 

► The loan amount ranges up to $8,000.

► Monthly fee: $9.95 (applies to accounts over $350, waived if paid in full)

► Late payment fee: $5 (or the remaining balance, whichever is lower)

► 0% interest – no extra charges on your balance

9. Clearpay

Operating on a global scale, Clearpay enhances financial wellness for the emerging generation through its payment services. With Clearpay's pay-in-4 option, customers can instantly get their products while enjoying 0% interest charges. In addition to this, customers receive rewards for making timely payments. This platform enables customers to divide their purchases into several interest-free installments, typically ranging from 4 to 6 payments. Also, there is no credit check required. 

► Charges a late payment fee of $7 fee for each order below $30.

► Above $30, a $7 fee is applied, followed by another $7 if payment isn't made within seven days. The maximum total late fees are restricted to 25% of the purchase price or $30, whichever is less.

10. Sezzle

Sezzle allows users to split their purchases into four equal payments, paid over six weeks. The first installment is due at the time of purchase, while the remaining three payments are scheduled every two weeks. These payments are interest-free, making it a convenient option for budget-conscious shoppers. 

► The available payment options are: 

• Pay in 4 installments, due every two weeks.

• Pay in 2 installments, due two weeks apart.

• Pay monthly, with terms of 3-48 months.

► Order Processing Fee: A small percentage of each order + a fixed processing fee for all merchants

► Monthly Minimum Fee: $15 if your total processed orders are less than $300 in 30 days. 

11. PayPal

PayPal is one of the popular Afterpay alternatives. It empowers customers to make online purchases at any store that supports PayPal. Depending on the purchase amount, users may qualify for promotional financing offers, such as 0% APR for a specified period. Conversely, PayPal Credit charges interest on unpaid balances after the promotional period ends. Furthermore, it helps businesses in managing transactions and finances online.

► Payment options available are:

• Pay in four installments, due every two weeks.

• Pay monthly, with terms of 6, 12, or 24 months.

► Applicable interest charges: 0% for 4-in-four & 9.99%-35.99% for monthly financing.

12. Splitit

Splitit does not mandate acquiring new financing. Rather, it uses your existing credit card to divide purchases into manageable installments with participating merchants. In brief, a vendor utilizing Splitit will bill your card a fraction of the total each month until it's settled. 

When a customer makes a purchase using Splitit, the total purchase amount is authorized on their credit or debit card but not charged upfront. Instead, each installment is charged to the card monthly, reflecting the portion of the purchase amount due for that installment.

► Different installment options from 3 months up to 24 months.

13. Amazon Pay

Amazon Pay is one of the apps like Afterpay that allows Amazon users to make online transactions and purchases on various e-commerce platforms. Moreover, it integrates with platforms namely Shopify, Magento, BigCommerce, and Adobe Commerce to facilitate seamless online payments for customers across different e-commerce websites. 

► Processing fees involve a 2.9% fee for web and mobile transactions, alongside a 30% transaction fee. Furthermore, cross-border transactions incur an additional 1% charge.

► Accepted payment options include credit and debit cards (Visa, Mastercard, Discover, American Express, Diners Club, and JCB).

14. Zilch

Zilch is an app that operates like Afterpay. Through this app, users can oversee their credit limit and payments, as well as access card information. Most importantly, as a payment facilitator, it enables customers to divide payments for purchases, specifically spanning 6 weeks with 0% APR. Moreover, it divides the total purchase amount into several equal installments, typically ranging from 4 to 6 payments. 

► No late payment fee and a 0% APR apply to all transactions.

► Can make an initial payment of 25% upfront and then pay the remaining balance in installments.

15. Laybuy

Laybuy empowers customers to divide their purchases into several interest-free installments, spanning from 6 weeks to 6 months. The total purchase price is evenly distributed, simplifying budget management for users. Moreover, accessing these options requires no extensive credit assessments or paperwork. 

► The service fee ranges between 4%-10%.

► Customers may incur a late fee of $6, with an additional $6 if the payment remains outstanding after seven days. The maximum amount of fees charged per purchase is capped at $24.

Which Afterpay Alternatives Chiefly Conduct Credit Checks

When seeking financial assistance, you could face either a soft or hard credit check.  Also, on certain platforms, a credit check is required, while on others, it is not. 

To clarify, here’s a comparison of alternatives to understand which platforms conduct credit checks. 

The Final Words

To conclude, all the Afterpay alternatives address specific requirements, ensuring there's a customized solution for every person. Also, when individuals face a shortage of available funds, these alternatives step in to assist.

Like Afterpay, some platforms conduct credit checks to assess applicants' financial viability and determine approval. Whereas, some platforms skip these checks and offer hassle-free financing solutions. It has been noted that many folks nowadays are leaning towards flexible payment plans owing to their ease and accessibility.  However, ensure you understand their policies and requirements before selecting these alternatives. Additionally, assessing your financial stability and necessities is recommended before deciding on a payment platform of this nature. 

Frequently Asked Questions

Q1. What Is Similar to Afterpay?

Similar to Afterpay are other platforms like Klarna, Sunbit, Denefits, Affirm, Zip, Sezzle, and Quadpay. These platforms allow consumers to make purchases and pay for them in installments over time, often interest-free. They typically break down payments into smaller, more manageable amounts and offer flexibility in payment schedules. 

Q2. What Are Some Apps Like Afterpay With No Credit Check?

There are some apps like Afterpay with no credit check such as:

• Sunbit
• Denefits
• Klarna
• CareCredit
• Affirm
• Amazon Pay

Q3. Which Is Better Sezzle or Afterpay?

Deciding between Sezzle and Afterpay hinges on your specific needs and preferences. Afterpay boasts broader availability across countries and a larger network of partner merchants, offering more extensive options for where you can shop. Conversely, Sezzle provides a similar payment structure, allowing you to split purchases into interest-free installments without a credit check. 

Q4. What App Is the Same as Afterpay?

An app that closely resembles Afterpay in functionality and popularity is Klarna. Like Afterpay, Klarna offers buy now, pay later services that enable users to split their purchases into manageable installments over time, typically without the need for a credit check. 

Q5. Are Affirm and Afterpay Similar?

Affirm and Afterpay share similarities as popular buy now, pay later (BNPL) services, yet they also have distinct features.  Both services aim to provide consumers with flexibility in payment options, often offering interest-free installment plans and straightforward payment schedules.