10 Companies Like Affirm to Buy Now Pay Later

Looking for Companies like Affirm? Here is the list of alternatives you can try in case Affirm doesn’t work out for you.

Affirm is a ‘buy now, pay later’ company that is highly popular among consumers looking for an alternative to traditional credit cards. The company, founded in 2012 by Max Levchin, a co-founder of PayPal, allows customers to split their purchases into multiple payments, with interest rates often lower than those of credit cards.

companies like affirm

Affirm is a convenient and transparent alternative to traditional credit cards. Its simple application process, clear pricing, and wide range of loan options make it a great choice for anyone looking to spread the cost of a purchase over time.

10 Best Companies like Affirm

Despite all of its positives, you might like having extra options for one reason or another. Rarely so, but you might not qualify for Affirm due to your credit score. In such cases, here are some other companies like Affirm that you can try. 

1. PayPal

Who doesn’t know PayPal at this point? But not everyone is aware of their Buy Now, Pay Later features. The financial technology giant adopted the function long ago to make shopping more convenient than ever. You can split your payments into parts to be paid later if you have a PayPal account. 

You get two options when it comes to payments. The first method is to pay over four different installments. You have to make bi-weekly payments without any late fees or interest.

The second option is to fulfil your payment in monthly installments. It can be done over 6, 12, or 24 months. There are no late fees, special requirements, or interest. All you need is a PayPal account and a place that accepts it. 

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2. Sezzle

Sezzle is a leading financial technology company today with over 2 million active users. The popularity and credibility of Sezzle make it one of the most reliable companies like Affirm

With Sezzle, you no longer have to worry about payments while shopping. You can shop with Sezzle immediately and leave those worries for later when you have the money. 

Sezzle lets you shop and divide the cost over several installments. It can be either bi-weekly or monthly. It doesn’t matter what method you choose; there are no additional fees or interest charges. The only cost to the customer is the cost of the purchase itself. 

All you need is the Sezzle app that lets you shop for products from all the popular brands. You can browse, shop, and then choose your payment plan at the checkout. 

3. Klarna

Klarna is a popular buy now, pay later service revolutionising how consumers shop online. With Klarna, customers can make purchases without paying upfront, giving them more flexibility and control over their finances.

The company has been around for nearly 2 decades and has a revenue of billions. People love them and trust them. It makes Klarna one of the best companies like Affirm if you are looking for alternatives. Klarna has a customer-friendly Buy Now, Pay Later policy that allows you to manage your expenses and budget comfortably.

They offer a “Pay in 4” function with which you can divide any payment into 4 installments to be paid once every 2 weeks separately. It works with any online store as long as you are signed up with Klarna. There are no late fees or interests to worry about either. 

4. AfterPay

AfterPay Limited is a financial technology company based in Australia. But they extend their services over 9 different countries. The company has been around since 2014 and has already established itself as one of the best companies like Affirm.

If you are running low on money but want to keep shopping, AfterPay has something for you. The company has an official app for both Apple and Android devices. You can use the app to shop for anything online and pay later.

The app lets you do so over 6 different installments. It is easier on your pocket and budget as you don’t have to pay the entire amount at once. This proves to be extremely useful when shopping for bigger, more expensive items. 

5. SplitIt

If you are looking for companies like Affirm but without worrying about credit scores, Splitit is the perfect alternative. The company gives you multiple financial benefits without considering or even checking your credit score. All you will require is the official Splitit application and a credit card that you already own.

Splitit authorizes payments and keeps them on hold until you have the full amount to pay. They keep recharging your account until payment is finished. You can pay over months or once every two weeks, whichever method suits you better. 

Splitit is for both consumers and businesses. You can separate and dedicate portals on the company’s official website.  

6. Zip

Many people might remember Zip as QuadPay, which used to be better known for a while. The rebranding hasn’t changed anything about the company’s quality or how it works. It is one of the biggest running BNPL services across Australia, the USA, Canada, and New Zealand.

Zip gives you three options to pay your shopping expenses later. You can divide payments into installments and fulfill them weekly, monthly, or fortnightly. Zip gives you a virtual debit card to use for shopping. You can add it to your existing digital wallets to get BNPL features on any online purchase. 

7. Uplift

Uplift is another one of the reputed BNPL companies like Affirm that people take help from in handling large online expenses. It even works better than Affirm in many aspects. One of them is its support of countless traveling portals. Be it a flight or hotel stay, you can pay for it later when you have the money.

You can do so with Affirm, too, but Uplift is specifically dedicated to travels and stays. Using Uplift is easy. You must confirm your bookings on one of their partner websites and choose Uplift as your checkout option. There you can divide your bill into monthly installments.

companies like affirm

There are no subscriptions or interests that could make the experience more expensive. Uplift has partnered with all the major airlines, travel agencies, and hotel chains. You will definitely find support for Uplift on your favorite traveling website. 

8. SunBit

SunBit is a more versatile alternative to Affirm when it comes to BNPL. This company is extremely useful in emergencies when you need money but do not have it available at the moment. SunBit allows you to pay healthcare expenses like eye care and dental care in installments.

You can use their service to help a loved one and your pets in unexpected situations where you need urgent money.  The same goes for vehicle repairs and part replacements. SunBit works both online and in physical stores. There are no paid subscriptions or interests. 

9. Bread Financial

Bread Financial is a financial technology firm based in the USA. The company has been successfully running for nearly four decades. It offers convenient and easy BNPL benefits to both shoppers and merchants.

You can use their service to divide both online and in-store payments. It is easy to get approved for their split payment feature, and you can start shopping immediately.

10. Zebit

Lastly, we have Zebit as one of the best fintech companies like Affirm. It is also more of a marketplace but with an in-built BNPL service. With Zebit, you don’t need any impressive credit score to start shopping without paying instantly.

The payments can be done weekly, bi-weekly, bi-monthly, or monthly. There are over 100 products to shop for on the Xebit marketplace. 

Is BNPL Good?

In theory, Buy Now pay later sounds like the perfect solution for those who can not pay the whole amount of any purchase on the spot. As long as you are sure you can fulfill your payments later; there is nothing to worry about. BNPL only works for those who can pay sooner or later and just want to manage their budget.

It is also better to use a BNPL service only for larger amounts. Do check whether a company includes extra charges or interests, however. 

There are plenty of BNPL companies like Affirm that you can rely upon in emergencies. All in all, there are more pros to using a BNPL service than cons. As long as you are smart with it, there’s nothing to lose here. 


Affirm is one of the most popular financial technology companies out there today. Ever since its inception in 2012, Affirm has looked nowhere but forward. But it hasn’t been the only one to do so. Like every other sector, the financial technology industry also has a lot of competition.

If Affirm is not your cup of tea, you do not necessarily have to compromise and stick with it forcibly. With time, a lot of new companies like Affirm have emerged. Every name mentioned here serves as a credible alternative to Affirm and has done so for thousands worldwide. 

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