Sites Like Afterpay – Shopping on Credit

Using afterpay is very easy. It has a database of thousands of retailers where you can choose the afterpay method at the end of the purchase, complete your purchase and pay in 4 installments without interest. Moreover, they will remind you before each expiration date. Nevertheless, this isn’t the only option out there, so today, we got this nice list of sites like afterpay for shopping on credit for you.

A bit about Afterpay

Afterpay is an international payment platform that allows you to buy and receive your products immediately, without credit checks, paying in four installments without interest, and obtaining rewards for early payment.

This great site was founded in 2015; it has more than 10 million active customers worldwide. The opinions through portals like Trustpilot (4.9) are positive, reflecting satisfaction regarding the established agreements.

The process works by requiring an initial payment for the item you want to acquire, to which you must attach the 3 or 4 installments; then, you must designate a credit or debit card eligible and issued in the U.S.

Advantages

• An easy and comfortable way to do your shopping.
• Easy to use.
• Wish now and pay later.
• No interests.

Disadvantages

• They only accept cards issued in the USA. So this is a no-go for all other countries.

Sound great, right? But there are alternatives so that you don’t get stuck with afterpay whenever their prices don’t match your budget or you can’t find what you were looking for. So, let’s keep going.

ViaBill

It provides a perfect financing solution for you. Its use is friendly, buy now and pay later. For this, you must have 18 years and create an account. No credit score is required.

With six years in the market, ViaBill is increasing the average size of orders. In the Trustpilot opinion portal, the comments are positive (4.8), given the ease and simplicity of the platform.

It is effortless to use, enter an e-commerce store associated with Viabill, select your product, choose ViaBill as your payment method, enter your data and make your first payment of 25% at the time of purchase and the rest in at least four months.

Advantages

• Simple platform.
• Convenient fees
• No interest.
• You can cancel your total debt if you wish.

Disadvantages

• It has less experience than other more established platforms.
• Interest rates exist as punishment for late payments.

If you require a purchase that exceeds your budget at this time, ViaBill is a good and safe option that will allow you to access the items in a short time.

Zip

This e-commerce store brings you a way to simplify, optimize, and automate how you can make your purchases with later payment in at least four installments, offering you fast, fair payment solutions.

Zip has only been in the afterpay market for three years. However, the opinions collected through the Trustpilot portal are mostly positive (4.6), and others focus on account charges and canceled orders to users as the inability to contact customer service. Payments must be made to a US financial institution in US dollars.

Advantages

• Simple platform.
• Convenient fees.
• No interests.

Disadvantages

• Young in the Afterpay market.
• Low approval rates.
• Poor online customer service.

Zip is a young company that continues to consolidate; you may need to explore other options within the same market, depending on what you buy and how much you need.

Sezzle

This payment solution allows you to “Buy Now, Pay Later” and puts simple, interest-free payment plans within your reach. Break down your purchase amount into smaller payments without affecting your credit score.

Sezzle was created in 2016, and although it has been on the market for a short time, feedback on Trustpilot from its users is positive (4.8) and is directed at its total strength in supporting the payments you need to make.

To use Sezzle, you must register, and when you enter the partner store, you must set this as your payment method. You will only pay 25% at the time of purchase, and the remaining amount is distributed in equal installments (usually three) every two weeks.

Advantages

• No interest as long as you don’t delay the payment.
• Payments can be rescheduled twice, the first time for free.
• It is a good option before using credit cards

Disadvantages

• It requires improving online customer service.
• Does not have a Call Center.

Sezzle allows you to automate your remaining payments through any payment method you have on record. On the other hand, they also remind you through text messages and email before each payment is processed.

Splitit

This platform allows you to use your credit card to convert purchases into smaller payments over time without interest, applications, or fees. That keeps the money in the hands of the buyers to use as they wish.

Founded in 2012, Splitit enjoys good references (4.2) on feedback sites such as Trustpilot. However, others reflect dissatisfaction in customer service and improperly charged fees over time.

If you wish to use Splitit’s services, you do not have to apply for a new credit line or qualify for a new credit card as this plan works with your existing credit cards enjoying all the usual benefits such as points, cashback, and mileage.

Advantages

• Simple platform.
• Convenient fees.
• No interest.

Disadvantages

• It depends on the approved amount on your credit cards.
• Poor online customer service.

If you’re looking for a quick alternative to purchases you can’t make with a single payment, this may be a viable alternative. Nevertheless, it won’t allow you to buy anything worth more than your available balance.

This means that if your credit card is full, then you can’t continue with your purchase.

Go Cardless

This online platform allows you to charge your customers by direct debit if you provide regular service and require constant Go Cardless collections. That will save you hours of work using their system.

This company was established in 2011. The reviews on opinion pages like Capterra are mostly positive (4.5), and most user complaints are about the unexpected closing of their account and poor customer service.

GoCardless does not have a free version but offers a free trial. However, within their plans are the Standard without a monthly fee, the Plus with a cost of 50 euros per month, and almost all the benefits of the Pro plan, which is priced at 200 euros per month.

Advantages

• Simple platform.
• The interest in transactions is extremely competitive.
• Integrates more than 200 billing platforms.
• There are no limits on the number of transactions you can make.

Disadvantages

• Waiting time for payments to be made to your account.

Limit the maximum amount that can be charged in a single transaction

Finally, we leave you with some of the features of Go Cardless: Reporting/Analysis, Recurring Billing, Integration of Payment Processing Services, and Online Payment Processing. This is mostly a payment method service for retailers and sellers, which means you would still have to look for a site or store that uses it if you want to split your payments.

Affirm

If you need to make a purchase and pay later, this can be a solution for you. Affirm allows you to take out a loan with a down payment instead of charging your purchase to a credit card and not worrying about fees and interest payments.

With eight years on the Affirm market, it enjoys good creditworthiness on opinion pages like Trustpilot (4,6). Most people are satisfied with its platform. However, others reflect their dissatisfaction with the denial of their application.

Affirm analyzes your solvency, calculates the interest, and divides your acquisition into different installments. To do this, it does not use your traditional FICO credit score; once this “debt” is paid off, the loan disappears completely.

Advantages

• No charge
• Soft credit check.
• Fast approval

Disadvantages

• Available only at selected retailers.

To qualify, all you have to do is register with Affirm, pre-qualify and apply for a loan to make your purchase at the more than 2,000 retailers associated with this platform (Walmart, Wayfair, and Expedia are some of them).

Klarna

This company is characterized by making direct payments available, with post-delivery and flexible payment options as an alternative to using credit cards.

In 2005 Klarna entered the market founded in Stockholm, active in 18 markets. With a score (of 4.0), we can say that most users feel supported, although some report difficulty with problem-solving through customer service.

Its form of use is easy, registers, and applies to the credits for your purchase if already approved due only must meet the payments to avoid unnecessary interest.

Advantages

• No charge, as long as it is paid on time
• Klarna pays the merchant directly
• Quick approval

Disadvantages

• Difficulties related to reimbursement.

This easy and transparent credit option allows you to distribute the cost of your purchase with a first payment on the spot and three distributed to be paid between 14 and 30 days between each installment.

To Sum Up

While Sezzle and Afterpay are the best options for directly looking for products to pay in parts, checking for a seller that approves payments through Klarna is a great option. Furthermore, all the options in our list are quite viable, so look at each offer your price and payment options before submitting.

Remember that an after-pay purchase must be seen as a loan, so study your alternatives and find the most convenient one first.

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Oscar Rojas

I'm primarily a dad and a husband, then I live. I've been a freelance writer and editor since 2014, specializing in finance, casino, sports, and esports niches. I'm an expert in checking the small print on any T&C site. You can trust me as an expert, especially when it comes to financing and gambling products.