Shopping has changed a lot in recent years, and so have the ways we pay for what we buy. I remember the days when credit cards were the only option for splitting payments, but now we have so many digital solutions that make life easier.
Affirm has become one of the most recognized names in the buy now, pay later market, yet it is not the only choice available. In 2025, several apps like Affirm offer similar or even better flexibility.
In this blog post, I have mentioned the 10 best Affirm alternatives you can try for smarter and more budget-friendly shopping.
What is Affirm?
Affirm is a popular buy now, pay later (BNPL) platform that allows shoppers to split their purchases into smaller, more manageable payments instead of paying the full amount upfront.
It partners with thousands of retailers, both online and in-store, to offer flexible financing options with transparent terms. Unlike traditional credit cards, Affirm does not charge hidden fees or compounding interest, and users see their total cost upfront before committing.
Payment schedules vary from short-term plans to longer monthly installments, which makes it easier for consumers to budget. Affirm helps buyers enjoy products immediately while paying over time.
Why Look for Apps Like Affirm?
Affirm is a great service, but it may not always be available everywhere or meet everyone’s needs. Sometimes fees, interest rates, or store compatibility may lead shoppers to explore other apps. That is where exploring alternatives becomes valuable.
Looking at other apps like Affirm allows you to compare terms, discover different repayment plans, and even enjoy perks like zero-interest installments. With multiple choices at your fingertips, you can pick what suits your budget and shopping habits the best.
Top 10 Best Apps Like Affirm in 2025
List of Best Apps Like Affirm
- Klarna
- Afterpay
- PayPal Pay in 4
- Sezzle
- Zip (formerly QuadPay)
- Splitit
- Perpay
- Uplift
- EarnIn
- Sunbit
Here is a detailed look at the ten most reliable and flexible alternatives to Affirm. Each one comes with its own unique features, strengths, and drawbacks.
1. Klarna
Klarna has established itself as one of the biggest competitors to Affirm. It allows you to split purchases into multiple installments without added interest, making it a favorite among online shoppers.
Key Features of Klarna
- Flexible payment schedules with options like Pay in 4 and Pay in 30 days
- Widely accepted at major retailers across the world
- In-app shopping deals and personalized recommendations
- Transparent terms with no hidden fees
2. Afterpay
Afterpay is another major buy now, pay later service that has become a household name. It is known for its simple repayment model that splits purchases into four equal payments. I think of it as a great choice for people who prefer a no-fuss repayment plan that does not require financial complexity.
Key Features of Afterpay
- No interest charged on installment plans
- Automatic payments deducted every two weeks
- Accepted by both online and in-store merchants
- Simple approval process without hard credit checks
3. PayPal Pay in 4
PayPal has expanded its services beyond digital payments into the installment world with PayPal Pay in 4. This option lets you split purchases into four interest-free payments. If you already use PayPal, this option is seamless. I like how it integrates directly into the checkout process.
Key Features of PayPal Pay in 4
- Zero-interest installments spread across six weeks
- Backed by the trusted PayPal brand
- Works with millions of online retailers
- No late fees for timely payments
4. Sezzle
Sezzle is another top name in this list of the best apps like Affirm. It focuses on interest-free shopping experiences. Further, it appeals to young consumers looking for transparency. Sezzle stands out for its user-friendly rescheduling feature and is perfect for people who want a little breathing room in their repayment schedules.
Key Features of Sezzle
- Interest-free installment options
- Rescheduling of payments for better flexibility
- Available at thousands of online and physical stores
- No impact on credit scores for approvals
5. Zip (formerly QuadPay)
Zip, previously known as QuadPay, has built a reputation for offering flexible shopping solutions. It allows users to split purchases into four payments. I consider Zip one of the most versatile apps on this list because it works almost everywhere. It is a strong choice for anyone who values flexibility.
Key Features of Zip
- Installments divided into four equal payments
- Works at virtually any retailer that accepts Visa
- Available both online and in-store
- Transparent fee structure
6. Splitit
Splitit takes a slightly different approach to installment payments by working with your existing credit card. Instead of creating new loans, it simply divides your credit card charges into installments.
Key Features of Splitit
- Uses your existing credit line without new accounts
- No added interest or fees if credit card terms are met
- Accepted by a growing list of merchants
- Flexible monthly installments
7. Perpay
Perpay is designed for people who want to shop and build credit at the same time. It allows installment payments while reporting activity to credit bureaus. I find Perpay appealing because it combines shopping flexibility with financial growth. If building credit is a goal, Perpay is worth exploring.
Key Features of Perpay
- Shop now and pay over time with paycheck-based deductions
- No credit checks required for approval
- Helps build or improve your credit score
- Offers a wide marketplace of products
8. Uplift
Uplift focuses on installment payments for travel-related expenses. Whether it is flights, hotels, or vacation packages, Uplift makes it easier to spread out the cost. For anyone who loves vacations but needs payment flexibility, this is a perfect choice.
Key Features of Uplift
- Specialized in travel and hospitality purchases
- Flexible monthly installments
- Works with major airlines and travel agencies
- Transparent pricing with no hidden surprises
9. EarnIn
EarnIn is not a traditional buy now, pay later app, but it does offer financial flexibility by allowing users to access their earned wages before payday. I see EarnIn as useful for people who want more control over their cash flow. While it does not function exactly like Affirm, it provides another form of financial freedom.
Key Features of EarnIn
- Early access to earned wages without interest
- Automatic repayment on payday
- Tools for budgeting and financial health
- Optional tips instead of fees
10. Sunbit
Sunbit has grown popular for making big purchases more manageable with flexible payment plans. It is often used in sectors like healthcare and auto services. I appreciate Sunbit because it opens up options beyond retail shopping. If you need payment flexibility for essentials like healthcare, Sunbit is a valuable alternative.
Key Features of Sunbit
- Specialized for service-based expenses
- High approval rates even for those with lower credit
- Quick and easy application process
- Longer-term payment plans available
Final Thoughts
These are the details about the top 10 best apps like Affirm.
In 2025, shopping on installments is more convenient than ever. Affirm may be one of the most recognized names, but it is far from your only choice. Whether you prefer Klarna for its global reach, Afterpay for its simplicity, PayPal for its trusted brand, or Uplift for travel flexibility, there is an app to suit every lifestyle.
When you explore these Affirm alternatives, you can shop smarter, manage your budget more effectively, and even improve your financial health. The power of choice is in your hands.
