9 Best Instant Loan Apps Like Affirm: Buy Now, Pay Later!

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Daksha Gupta
Daksha Gupta
A big time introvert. Daksha is a shy and socially awkward person. She is a full time dog lover and half time human. She finds her comfort in simple artistic expressions. Her love for art, dance, and writing transcends her into another world.

Affirm is one of the most popular Buy Now, Pay Later (BNPL) platforms. If you like a pair of shoes and do not have enough budget to purchase them, Affirm helps you buy them now and pay the bill later. But this app is not the end. There are more apps like Affirm you should try to meet your BNPL requirement. 

Every app or service is bound to some limitations and rules. Indeed, your requests may be rejected at one but accepted at another app. An app, for example, may care about credit scores, but another app will care about the legitimacy of your papers. So, you should stay informed about alternatives and options available in the market.

5 Best Loan Apps in USA
5 Best Loan Apps in USA

There are numerous app alternatives to Affirm. As you are here on this page, I promise you won’t leave without an option. But the key is, you have to read this article to the end. Let us explore some fantastic apps like Affirm without any delay.

9 Best Apps like Affirm For Shoppers

Affirm has partnered with leading companies like Walmart, Shopify, BigCommerce, et cetera. It is the exclusive partner of Amazon in the States for BPNL. You buy a product or a service now and pay later in four equal interest-free installments. The first installment has to be paid instantly while checking out. You can also select six months or twelve months repayment period, but it will attract some simple interest. There are other apps like Affirm in the market which become an aide in shopping. Here is the list:

1. Splitit

Rating: 4.5 out of 5.
Splitit : Apps like Affirm

Splitit is my top selection in the list of apps like Affirm. It is comparatively lenient with the credit score. The app will still work for you if your credit score is zero. It is best known for its interest-free platform. Spilitit works on your existing credit card.

Visit: Splitit

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2. Klarna

Rating: 4.5 out of 5.
Klarna : Apps like Affirm

Klarna is an excellent alternative to Affirm. Apart from splitting the bill into four installments, you can also apply for a loan for 6-12 months. Each dollar spent with Klarna earns you one reward point called VIbe.You can exchange these Vibes with gift cards. 

Visit: Klarna

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3. Sezzle

Rating: 5 out of 5.
Sezzle : Apps like Affirm

Sezzle is an excellent app like Affirm. With Sezzle, you do not need to worry if you cannot manage payment on a specific date. Unlike Affirm and other apps like Affirm, this app has the option of flexible rescheduling of payments. It has all the other features a BPNL app should have.

Visit: Sezzle

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4. PayPal

Rating: 4.5 out of 5.
PayPal : Apps like Affirm

PayPal is a famous brand all over the world. It offers users of the States two options for BPNL, PayPal Credit, and PayPal Pay in 4. PayPal Pay in 4 is best for small budget purchases between $30 to $1,500. PayPal Credit is the best option for purchases from $1,500 to $10,000. If you pay back loans up to $1500 within the 6 months term, you won’t be charged any interest by PayPal. These features place it among the best apps like Affirm. You should give it a try.

Visit: PayPal

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5. Zip (formerly QuadPay)

Rating: 5 out of 5.
Zip : Apps like Affirm

Zip is one of the best Affirm alternatives. It has broader access to websites and vendors than Affirm. Zip allows users to split a bill into 4 installments as other apps like Affirm do. However, unlike other apps, you do not have to pay the first installment instantly using Zip.

Visit: Zip

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6. Afterpay

Rating: 5 out of 5.
Afterpay : Apps like Affirm

Afterpay is another app like Affirm that splits bills into four equal installments. This platform is most suitable for students. Anyone afraid of going beyond credit limits should try this app. Afterpay also lets you reschedule the installment date as long as five days every time. Other features are similar to Affirm and Affirm alternative apps.

Visit: Afterpay

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7. Amazon Monthly Payments

Rating: 4 out of 5.
Amazon Monthly Payments : Apps like Affirm

Amazon’s feature Monthly Payments is the best Affirm alternative if Amazon is your one-stop. Monthly Payments allows you to pay the bill of an eligible product in 4 equal monthly installments, while most apps like Affirm have bi-weekly installments. However, you have to pay the downpayment while checking out. 

Visit: Amazon Monthly Payments

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8. Zebit

Rating: 4 out of 5.
Zebit : Apps like Affirm

Like Amazon, Zebit has an inbuilt option of ‘Pay Later.’ Zebit has all features like other Affirm alternatives. Zebit offers its ‘pay later’ service only to those it finds genuine by confirming their earnings, identity, and occupation. Zebit has gained many negative reviews for being more expensive than other BNPL platforms. However, if you do not qualify for other apps like Affirm, Zebit is the best option. 

Visit: Zebit

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9. Viabill

Rating: 4 out of 5.
Viabill : Apps like Affirm

Last but not least, Viabill is one of the excellent apps like Affirm. Like Amazon, installments are to be paid monthly instead of bi-weekly. You can even choose the six-month repayment option as well. The service does not charge you any interest.

Visit: Viabill

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Comparison of Apps like Affirm

Comparison of Affirm and 9 Best Apps Like Affirm

Aren’t you able to make up your mind on any apps like Affirm? Let me help you out. I have prepared this chart for you. Before proceeding, you should check out the column or columns you think will concern you. I have compared the most important features of these apps in this chart. I suggest you always compare interest rates and the highest loan amount available while choosing a BNPL platform. 

Apps like AffirmLoan amountCredit CheckInterest Best Feature
SplititAs per your credit cart No0%Existing Credit card limits
KlarnaVariesSoft0- 25%Reward Program
Sezzle$40,000Soft0%rescheduling of installments
PayPal$10,000Soft0- 29.99%No interest for $1500 loans up to months
Zip (QuadPay)$5,000Soft0- 21.9%Downpayment not required.
Afterpay$600No0%Late Fee: up to 25% of the loanLimits your chances of going behind your budget.
Amazon Monthly PaymentsVariesNo to Soft 0%Let’s you purchase from one of the largest online shopping platforms- Amazon.
Zebit$2,500No0%Majority of applicants qualify for Zebit BNPL loan.
Viabill$1200Soft0%Monthly Repayments

Wrapping Up

BNPL is a popular modern method for shoppers. The customer base of Affirm and apps like Affirm is growing significantly. This growth and interest of millions in the BNPL apps and platforms may bring some more excellent apps to the market. Until the better ones come, give the apps recorded in this article a try.

Do you know how to use Affirm or apps like Affirm at online stores? No? Drop a comment below if you want to know how Affirm or any of the apps like Affirm work. I will be happy to assist you.

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