5 Best Apps Like Affirm: Buy Now, Pay Later Services (2024)

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Affirm is a popular buy now, pay later app that is available on 50% of e-commerce sites in the US. Affirm offers flexible payment options like Pay in 4 so you can buy things you like without waiting for a paycheck. Affirm split your payment into installments that users can pay over time with no fee.

Even Affirm is widely available on e-commerce sites and works with brands like Walmart and Adidas. It may have some downsides like monthly interest, impact on credit, and over-purchasing. So in this case choosing an Affirm alternative is the best option.

So if you are looking for the best Affirm alternative or apps like Affirm then options like Klarna, AfterPay, Sezzle, and Zip offer similar services with varying features.

There are some factors we consider before choosing Affirm alternatives like fees, interest rates, credit checks, and most importantly user reviews. These factors will help you to find the best buy now, pay later apps or you can call it Affirm alternatives that fit perfectly for you.

In this article, we will explore what are the 5 best apps like Affirm and see what services they offer.

Top 5 Apps Like Affirm For Buy Now, Pay Later

Here are the 5 best apps like Affirm or you can call it Affirm’s alternative which offers similar & more service features than Affirm. These BNPL apps make it easy for you to purchase items without breaking your wallet.


Sezzle is a highly shopper-rated buy now, pay later app that allows you to purchase items you want and split your payments into 4 installments with 0% fees. With Sezzle you can shop at more than 47,000 brands and have no impact on credit.

Seezle - Buy Now, Pay Later

Sezzle offers deals and discount when you complete purchase with card and you can join Sezzle referral program to earn with it.


Klarna App is another payment option that is similar to Affirm. Klarna allows you to buy products and pay in different options like Pay in 4, and Pay in 30 days. Klarna App also offers great deals and you can use Klarna App over 20,000 stores in the US.

Affirm Alternative- Klarna App

Klarna is also globally available, you can use the Klarna app in more than 25 countries and flex your way of payment.


AfterPay is app app-only BNPL app that allows you to split your online or in-store purchase into four free installments. Unlike other apps, AfterPay does not charge any late fee and you can also easily manage your budget with the AfterPay app.


AfterPay users will also earn rewards for paying their installment in time and as a new user, you will get a $20 sign-up bonus.


Splitit is a new-generation BNPL service that is likely similar to Affirm. Splitit allows users to shop more wisely and spend according to their funds. Splitit takes the first installment right away after purchase and the installment same date of the next month.


Splitit’s only payment method is your existing credit and you can also use credit card rewards for your purchases. Splitit doesn’t have any hidden charge but if you fail to make a payment in time they might charge interest on that payment.


Zip formally known asQuadpay is interest interest-free buy now, pay later app that makes your life affordable by splitting the cost of the items. Unlike Affirm, Zip Pay has a limit on orders of $1500 (depending on retailers).

One good thing about Zip is that it does not check your credit score or report to the credit bureau. For huge purchases, you can apply for up to $5,000 credit.


Using BNPL services for shopping is always not a smart choice. But there are a few options available that are helpful to make it easy for you. Hope these 5 BNPL apps like Affirm will help you find the perfect service that fits your financial needs.

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Aryan Mishra
Aryan Mishra is an accomplished writer and contributor to ReferralOffer.com, specializing in topics related to personal finance, money-saving strategies, and online shopping. Aryan holds a Bachelor's degree in Economics from the University of Allahabad, where he developed a keen understanding of economic principles and consumer behavior.

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