16 Best Sites Like Afterpay – Competitor & Alternatives to Easy Credit

It is hard to believe that purchasing products online used to be something most people avoided. Online shopping has become more popular over the years.

Afterpay offers consumers the ability to buy products with a reduced upfront payment.

What is “Buy Now, Pay Later?” or Shopping with Credit?

Layby is a term that most people are familiar with. Layby is when you pay little by little until the entire amount has been paid off. At that point, you receive the product.

Afterpay offers a “buy now, pay later” option to choose your product and then pay it in four monthly installments. The best part is that, unlike regular layby, you can walk out of the store with your product before you have even made your first payment.

Even better, Afterpay offers interest-free payments on all payments. There are no hidden fees that can increase the cost of the product. The item is yours for only two weeks.

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AfterPay isn’t the only player in this game. Consumers have many other options.

We have compiled a list of top sites and competitors that look similar to AfterPay. They all work with the same concept and are recommended for consumers.

Before we get into the list of sites, let’s look at a chart that shows the popularity of Google (based upon search queries per month for certain websites):

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Sites Like Afterpay


Venue is quickly becoming one of the most prestigious marketplaces for those who want to buy products from the best brands around the globe.

These brands include Samsung and Sony, Prada and Chanel, and a variety of other top electronic and fashion brands.

Venue is different because they offer flexible repayment options. This allows people to buy luxury products that were previously out of reach.

These products have some of the lowest prices you’ll find in the United States.

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This site is proud of the large selection of products it offers. This includes homeware, electrical and fashion products.

Venue works hard to build relationships with top brands. This ensures that their product range will continue to grow. They will continue to provide the best products for their customers.


While Afterpay tends to be focused on brick-and-mortar retailers, this service also caters to online commerce. Klarna, a Stockholm-based company, does exactly this.

Klarna makes shopping easy by simply downloading their app to your smartphone. You can browse the Klarna store to find many other online retailers partnered with them. You can choose any product and have it shipped to your home. Then, you can pay in four installments with no interest.

You can create a Ghost Card if you are concerned about your privacy. The digital credit card acts as an intermediary between you and the retailer, although it is linked to your credit or debit card.

Authorize a dollar amount and then use your Ghost Card to pay through Klarna. After the four payments have been deducted, the Ghost Card expires. Each time you shop, you can create one.

Paypal Credit

You can access thousands of products by leveraging the worldwide power of Paypal. Paypal credit is available to anyone who has a Paypal account. You have 6 months to complete your purchase if you spend more than $99 and there is no interest.


Sezzle partners with many online retailers to offer four interest-free, spread over six weeks, payments.

This extended period allows many people to make sure they have enough money to pay the full amount. It may also be referred to other similar services.


Zip is a well-known, buy-now-pay-later operator and works with many retailers. It’s not limited to online stores and is supported by many brick-and-mortar stores. You also have access to an app which is similar to Afterpay.

Zip accounts are available to anyone who is approved. You can select and take home any product from any supported store.

The zip will then send you a statement detailing the current balance that you need to pay each month. You have two options: pay in full or spread the payments over some time, with no interest.


Quadpay’s catchy subtitle “Any store, divided in four” is used to describe everything they do. Split the entire payment into four equal payments over the next six weeks by choosing any product from a support store.

This generous payment period allows most people to make sure they can afford it and puts less strain on the family’s budget.

Access to the Quadpay Visa digital card allows you to swipe at any retailer that supports it. You can use your Quadpay card to make a purchase and it will be automatically added to your account. Then, you will receive four easy payments.


Affirm is a different service than the previously mentioned services. Affirm is a different service than Afterpay, which tends to be used for small- to medium-sized purchases. Affirm can spread repayments over a longer period such as 12 or 18 months. This flexibility comes with the responsibility of paying interest.

You can check out at Walmart by selecting the Affirm option.

The approval process will then begin. You will be approved and the item will be yours. However, the interest-free payments will be split over several months. This is a great way to purchase large items for your home.


Fingerhut might be the right choice for you if you don’t have a lot of credit, but need to improve your credit score or just need another option to buy products . Fingerhut will accept applicants with bad credit, or no credit.

Fingerhut credit approval means that you can purchase whatever you want at any supported retailer. They’ll then send it to you immediately. With low monthly payments, you can split the purchase price over time.

The popularity chart at the top of the article shows that Fingerhut is the most favored credit service.


Splitit makes it simple to shop at supported retailers. You just need to select the Splitit payment option during the checkout process. Log in to your Splitit account, and the product will be automatically added.

It is easy to select how and how long you wish to pay. You can pay in monthly installments or split the amount up to 24 times.

Flexible payment arrangements are interest-free and allow people to choose an arrangement that fits their budget.

Splitit has a beautiful website with an easy checkout process. It offers flexibility and zero interest. Splitit allows people to easily explore the world of “buy Now, Pay Later” services.


Partial.ly allows businesses to increase cash flow and offer flexible payment options for their customers. Partial.ly allows retailers to sign up for flexible payment services that allow their customers to set up automatic payments.

Partial.ly is a flexible payment service that targets consumers. Partial.ly targets businesses that want to improve cash flow and offer flexible payment options.

Partial.ly charges no transaction fees and there are no hidden fees. Everything is transparent and presented upfront.


FuturePay is an excellent choice if you shop online and want a flexible payment option. FuturePay is a way to purchase a product, and then pay for it in the future. It couldn’t be simpler, and the name says it all.

FuturePay is transparent about all charges and there are no hidden fees. Online purchase allows you to order your product and have it shipped.

You can pay the balance off your purchase with $25 per month, until you have paid it all in full. You can also pay the entire amount in full.

You can also request another month to make additional payments if you cannot stretch your home budget. A small $1.50 fee is charged for every $50 you carry over to the next month.

FuturePay’s greatest asset is its transparency. Flexible payment terms and low fees make FuturePay a great choice. You have the option to choose when, how and how long you want to pay. It is worth looking into.


Viabill is an excellent alternative for those who live in the USA or Denmark.

Viabill allows you to pay your purchase in four installments, with a $300 initial limit. Viabill charges subsequent installments at the end of each month, instead of every two weeks. This allows you to save more money and make payments on time.

Viabill charges no hidden fees or interest. There are no penalties fees because your registered payment method is automatically charged monthly. You may be wondering how this is possible. Viabill charges a fee to its merchants to offer installment payments.

Hence, customers can enjoy zero interest rates and no strings attached to their installment payments. Viabill has over a thousand merchants you can choose from. You’ll love shopping with Viabill.


Laybuy is another alternative to Afterpay. This service is available in New Zealand, Australia and the UK. It offers installment payments for a variety shops, both online and in-store.

Laybuy, unlike After, spreads your payment over 6 installments that are due every week. You will be penalized $10 or PS6 if you don’t pay your bill on time.

The tighter payment schedule provides both merchants and company assurance that you can pay.

Laybuy is a great option for anyone who has a limited budget but wants to purchase the entire amount quickly.


Littlewoods is one the largest retail chains in the UK. The brand offers several installment plans to make shopping easier for its customers.

It offers Spread The Cost Interest-Free, allowing buyers to pay 20-week- or 52-week-long installments at zero interest. This helps you to manage your finances more effectively by allowing you to pay the monthly installments.

The Buy Now Pay Later option is another option. This program allows you to defer payments up to 12 months, at an annual interest rate calculated upon checkout.

However, interest is not due if the entire amount is paid before your delayed payment period. If you need to make an urgent purchase and don’t have enough cash, this is the best option.

Littlewoods offers interest-free financing on select furniture items. You have the option to spread out the cost over a 104-week or 208-week time period.

Pay in 4 – Paypal

Paypal is the largest payment platform in the world. So we were not surprised that it launched its own short-term installment service Pay In 4.

This service allows users to spread the cost in four interest-free installments paid over six weeks. Qualified customers receive credit lines of $30-$600 depending on their ability to pay. You can manage your payments easily because Pay in 4 integrates into your Paypal Wallet.

Pay in 4 is currently only available for Paypal users in the US.


Atokes is another alternative to Afterpay. This new installment service allows for interest-free spreads with varying credit limits.

Qualified members will be assessed based on their income proof and other relevant documents. Atokes then assigns each user a monthly credit limit.

Six months of interest-free installments are offered to new users. This can be up to 10 monthly installments depending on managing your payments.

This service is easy to understand if you imagine you are given $100/month credit and a maximum 6-month payment period. You can buy up to $600-worth items, with the payments spread over 6 months.

The best thing about this Cyprus-based business is that you can pay an initial amount that can be deducted from your installment amount.

If you wish to purchase something worth $750, but only $600 during the 6 months of the agreement, you can pay $150 for an initial payment. You can then continue with your $100/month credit limit.

What is Afterpay?

Afterpay is an innovative way to make shopping easier for consumers. Afterpay allows sellers to offer installment payment options. Buyers pay the amount in four installments billed every two weeks.

Sign up and provide payment information. This will act as security in default or failure to pay the installment.

Afterpay allows you pay in installments at 0% interest. However, you will be subject to a $10 penalty if you don’t pay the due date.

Can Afterpay harm your credit score?

You must understand two things about the relationship between Afterpay credit score and your credit score.

Afterpay reserves the right not to run credit checks on you to determine your ability to pay. This means that even if you have been faithfully paying your bills on time, it won’t mean that your credit score will improve.

If you cannot pay your due dates, however, this is not the case. Afterpay reserves the right to report any negative activity if you fail to pay your bill on time. This could seriously affect your credit score.

Who can be eligible for Afterpay?

Afterpay is available in Australia, New Zealand and the USA. Each state has its own set of criteria for using the service.

You must be at least 18 years of age or legally enter into a contract with your state. You must also be an authorized holder of a debit or credit card.

You may also be affected by other factors such as a valid email address, phone number and delivery address within your state.

Is Afterpay subject to a cap?

Yes. Afterpay encourages responsible spending. This is why it has specific spending limits.

Afterpay allows retailers and sellers to set transaction limits for their shops. The limit is $1.500. This limit is also $2,000 but it is only available to customers who have demonstrated strong repayment habits.

Orders are limited to one per user within the first 24 hours.

Last words

It can be difficult to stick to a family budget during the twenty-first century. Many people live on a tight budget and are constantly looking for bargains.

Services such as Afterpay offer anyone an easy way to pay for the products they want upfront and then later.

However, there are some things you should be aware of. Some companies charge interest. It’s worth considering whether the purchase is worth it.

Some services, on the other hand are worthwhile because they allow you to make payments for a longer time.

These are credit services and you will need to apply. If you fail to pay on time, you can negatively impact your credit score.

Flexible payment terms are always appreciated in these times of high unemployment and people often having difficulty paying their bills. This allows consumers and businesses to have more flexibility in their payment arrangements.

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