Best apps like Affirm: Buy now, pay over time

48+ similar apps compared and reviewed

4.8 avg rating
10 free apps
Updated July 2026

Affirm is great, but it's not the only option. Explore 48+ similar apps for iPhone and iPad, each reviewed and rated by real users. Find free alternatives, premium upgrades, and hidden gems.

Top Alternatives to Affirm

Afterpay: Pay over time#1

Afterpay: Pay over time by Afterpay Holdings Ltd

Shop Now. Split your payments.
Editor's Choice
๐Ÿ›๏ธ Shopping
4.9๐Ÿ˜(752K ratings)
FreeAds
#33in Shopping
Afterpay: Pay over time screenshot 1
Afterpay: Pay over time screenshot 2
Afterpay: Pay over time screenshot 3
Afterpay: Pay over time screenshot 4
Afterpay: Pay over time screenshot 5
Afterpay: Pay over time screenshot 6

Shop your favorite brands online or in-store and split your purchases into manageable payments. Get what you want now and pay over time with flexible installment plans, including options to pay in 4 installments or monthly.

What We Love

  • ๐Ÿš€ Convenient payment plan
  • ๐Ÿ’ณ No interest or hidden fees
  • ๐Ÿค Good customer service (initially)
  • ๐Ÿ“ˆ Increasing credit limit with usage

Room to Improve

  • ๐Ÿ› App/website technical issues
  • ๐Ÿ”’ Security and privacy concerns
  • ๐Ÿค– Lack of human customer support
Zip - Buy Now, Pay Later#2

Zip - Buy Now, Pay Later by Zip Co US, Inc.

Shop & Pay in 4ยน
Strong Contender
๐Ÿ›๏ธ Shopping
4.9๐Ÿ˜Š(831K ratings)
FreeAds
#58in Shopping
Zip - Buy Now, Pay Later screenshot 1
Zip - Buy Now, Pay Later screenshot 2
Zip - Buy Now, Pay Later screenshot 3
Zip - Buy Now, Pay Later screenshot 4
Zip - Buy Now, Pay Later screenshot 5
Zip - Buy Now, Pay Later screenshot 6

Split purchases into 4 or 8 interest-free installments, paid bi-weekly. Use online or in-store with a virtual or physical card. Earn cashback and potentially increase spending power with on-time payments.

What We Love

  • ๐Ÿ’ณ Convenient payment option
  • ๐Ÿค‘ Affordable payment plans
  • โฐ Flexible payment schedules
  • ๐Ÿค Helpful customer service

Room to Improve

  • ๐Ÿ› Unreliable app performance
  • ๐Ÿค” Unclear refund/return policies
  • ๐Ÿคทโ€โ™€๏ธ Inconsistent customer support
Amazon Shopping#3

Amazon Shopping by AMZN Mobile LLC

More benefits, fewer steps
Worth Considering
๐Ÿ›๏ธ Shopping
4.8๐Ÿ˜(8.4M ratings)
FreeAdsIn-App Purchases
#8in Shopping
Amazon Shopping screenshot 1
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Amazon Shopping screenshot 6

Shop millions of products with app-exclusive benefits for a faster, easier experience. Track deliveries in real-time, view products in 360ยฐ, get sale alerts, and enjoy secure sign-in. Access 24/7 live chat support and find items by scanning them.

What We Love

  • ๐Ÿš€ Easy to navigate
  • ๐Ÿ”’ Secure transactions
  • ๐Ÿ‘ Convenient delivery options
  • ๐Ÿš€ Quick app performance

Room to Improve

  • ๐Ÿ› Buggy search and filtering
  • ๐Ÿ” Difficult to find products
  • ๐Ÿค– Frustrating AI chatbot

More apps like Affirm

4
Four | Buy Now, Pay Later
Four | Buy Now, Pay Later
Four | Buy Now, Pay Later
Flexible Shopping & Payments
Free

Shop your favorite online stores and split purchases into four interest-free payments. Manage all your orders and payment schedules in one convenient app, with optional upgrades for exclusive benefits.

Split purchases into 4 paymentsPay every two weeksManage orders in one app
๐Ÿ›๏ธ Shopping
(109K)
freemium
5
Sezzle: Buy Now, Pay Later
Sezzle: Buy Now, Pay Later
Sezzle: Buy Now, Pay Later
Shop & Pay in 4ยน
Free

This app allows you to buy now and pay later with interest-free installments over six weeks. Easily split purchases into four payments, manage your budget, and discover exclusive deals from thousands of retailers. Enjoy a seamless shopping experience with flexible rescheduling options and instant approval.

Buy now, pay laterPay in 4 interest-free installmentsNo interest or hidden fees
๐Ÿ›๏ธ Shopping
(292K)
free with in-app purchases
6
Temu: Shop Like a Billionaire
Temu: Shop Like a Billionaire
Temu: Shop Like a Billionaire
Shop incredible deals on Temu!
Free

Discover a vast selection of products across fashion, home decor, beauty, and more. Enjoy daily deals, fast and secure checkout, and free shipping and returns. Shop for a wide variety of items at competitive prices.

Wide product selectionDaily dealsFast and secure checkout
๐Ÿ›๏ธ Shopping
(2.2M)
free with in-app purchases
7
Uplift - Buy Now, Pay Later
Uplift - Buy Now, Pay Later
Uplift - Buy Now, Pay Later
Shop interest free. Zero fees.
Free

This app allows you to shop with popular travel brands and pay over time with low, monthly installments. It offers a simple, surprise-free payment plan with no hidden fees or prepayment penalties. Explore travel inspiration and manage your purchases easily.

Buy Now, Pay Later for travelMonthly installment paymentsInterest-free options available
๐Ÿ›๏ธ Shopping
(3.7K)
free
8
Rakuten: Cash Back & Deals
Rakuten: Cash Back & Deals
Rakuten: Cash Back & Deals
Earn rewards & find coupons
Free

Earn cash back and discover deals from thousands of stores. Automatically apply coupons at checkout and get paid via PayPal or check. Refer friends to earn more rewards.

Earn cash back on purchasesStack cash back with couponsAutomatic coupon application
๐Ÿ›๏ธ Shopping
(362K)
free with in-app purchases
9
Walmart: Shopping & Savings
Walmart: Shopping & Savings
Walmart: Shopping & Savings
Groceries & essentials, fast.
Free

Shop for groceries, essentials, and more with convenient pickup, delivery, and shipping options. Features an AI assistant for shopping help, real-time order tracking, and in-store tools like store maps and price scanning.

AI shopping assistantPickup and delivery optionsFast two-day shipping
๐Ÿ›๏ธ Shopping
(18M)
free with in-app purchases
10
SHEIN - Shopping Online
SHEIN - Shopping Online
SHEIN - Shopping Online
La mode pour tous
Free

Discover a vast online marketplace for affordable fashion, home goods, beauty products, and more. Enjoy daily deals, free shipping, and flexible payment options. Connect with a community of shoppers and stay updated on the latest trends.

Wide selection of apparel, home, beauty, and accessoriesDaily Flash Sales up to 90% offFree shipping and returns
๐Ÿ›๏ธ Shopping
(3M)
free with in-app purchases