Best Afterpay alternatives: apps like Afterpay: Pay over time

10+ similar apps compared and reviewed

4.8 avg rating
10 free apps
Updated October 2026

Whether you want more options like Afterpay or a completely different take on the same concept, our curated list of 10+ similar apps has you covered. Updated for 2026 with the latest ratings and comparisons.

Top Alternatives to Afterpay

Four | Buy Now, Pay Later#1

Four | Buy Now, Pay Later by Four Technologies, Inc

Flexible Shopping & Payments
4.8😞(123K ratings)
Free
#47in Shopping
Four | Buy Now, Pay Later screenshot 1
Four | Buy Now, Pay Later screenshot 2
Four | Buy Now, Pay Later screenshot 3
Four | Buy Now, Pay Later screenshot 4
Four | Buy Now, Pay Later screenshot 5

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.

What We Love

  • πŸ’³ Convenient payment option
  • πŸ›’ Wide variety of stores
  • πŸ€‘ Affordable payment plans
  • πŸ“ˆ Increasing spending limits
  • 🀩 Great app experience

Room to Improve

  • πŸ€– Poor customer service
  • ❌ Declined/canceled orders
  • πŸ’° Unauthorized charges
  • πŸ•°οΈ Slow refund processing
  • πŸ”’ Account/login issues
Sezzle: Buy Now, Pay Later#2

Sezzle: Buy Now, Pay Later by Sezzle

Pay Over Time & Earn Rewards
Strong Contender
πŸ›οΈ Shopping
4.9😞(306K ratings)
Free
#54in Shopping
Sezzle: Buy Now, Pay Later screenshot 1
Sezzle: Buy Now, Pay Later screenshot 2
Sezzle: Buy Now, Pay Later screenshot 3
Sezzle: Buy Now, Pay Later screenshot 4
Sezzle: Buy Now, Pay Later screenshot 5
Sezzle: Buy Now, Pay Later screenshot 6

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.

What We Love

  • πŸš€ Convenient payment option
  • πŸ’³ Flexible payment plans
  • πŸͺ Wide range of partner stores
  • πŸ†™ Increased spending limit with on-time payments
  • πŸ“ˆ Helps build credit score

Room to Improve

  • πŸ€– Poor customer service
  • πŸ”’ Concerns about security and fraud
  • πŸ”„ Issues with rescheduling payments
  • πŸ’° Unexpected fees and charges
  • πŸ”’ Restricted access to 'premium' stores
  • ⬇️ Decreased spending limits without explanation
Affirm: Buy now, pay over time#3

Affirm: Buy now, pay over time by Affirm, Inc.

Flexible payments, big savings
Worth Considering
πŸ›οΈ Shopping
4.9😞(1.9M ratings)
Free
#20in Shopping
Affirm: Buy now, pay over time screenshot 1
Affirm: Buy now, pay over time screenshot 2
Affirm: Buy now, pay over time screenshot 3

This app allows users to pay for purchases over time with flexible payment options. It offers clear payment plans, deals, and the ability to set up automatic payments. Users can also apply for a card to use anywhere Visa is accepted for convenient installment payments.

What We Love

  • πŸ™ Helpful in tough times
  • πŸ’³ Convenient financing option
  • πŸ“ˆ Improved credit score

Room to Improve

  • πŸ€” Confusing payment process
  • πŸ”’ Security and privacy concerns
  • πŸ” Difficulty verifying identity
  • 🚫 Unexpected account closures
  • πŸ’° High interest rates

More apps like Afterpay

4
Rent-A-Center
Rent-A-Center
Rent-A-Center
Instant Happiness App
Free

Access major brands for furniture, electronics, appliances, and more with flexible payment options. Enjoy free delivery or curbside pickup, manage your account, track payments, and discover exclusive deals.

Rent major brandsFurniture, electronics, appliancesFree delivery or curbside pickup
πŸ›οΈ Shopping
(19K)
free with in-app purchases
5
Progressive Leasing
Progressive Leasing
Progressive Leasing
by Prog Leasing, LLC
Free

Apply for a lease-to-own purchase from your phone to get the items you need now and pay over time. This app connects you with over 30,000 retail locations nationwide, making it easy to find and acquire your next upgrade, even with less-than-perfect credit.

Apply from home or on the goLease-to-own purchase optionInstant decision for applications
πŸ›οΈ Shopping
(34K)
free with in-app purchases
6
Acima: Lease Now & Buy Later
Acima: Lease Now & Buy Later
Acima: Lease Now & Buy Later
Easy Leasing & Payment Options
Free

Lease the items you need without perfect credit. Get approved for up to $4,000 in merchandise like furniture, electronics, and appliances. Shop at thousands of stores or online and make easy payments.

Lease without perfect creditApproved for up to $4,000Shop at thousands of stores
πŸ›οΈ Shopping
(27K)
free
7
Snap Finance
Snap Finance
Snap Finance
No credit? Shop now, pay later
Free

Apply for lease-to-own financing up to $5,000 with no credit check required. Shop for furniture, electronics, and more, and pay later. Manage your lease, payments, and view transactions securely.

Apply for financing up to $5,000No credit check requiredShop for furniture, electronics, and more
πŸ›οΈ Shopping
(30K)
free
8
Fingerhut Mobile
Fingerhut Mobile
Fingerhut Mobile
by Bluestem Brands
Free

Manage your credit accounts and make payments conveniently. View your available credit, current balance, and past payment history. Set up recurring payments for your Fingerhut Fetti and Advantage accounts.

View available creditCheck current balanceMake payments
πŸ›οΈ Shopping
(94K)
free
9
Purchasing Power
Purchasing Power
Purchasing Power
by Purchasing Power
Free

Access an employer-provided benefit to purchase name-brand products and services. Pay over 12 months via payroll deduction. Manage your account, track orders, submit documents, and browse the catalog.

Search product catalogShop on mobile siteView order and shipping status
πŸ›οΈ Shopping
(32K)
free with in-app purchases
10
Kids Foot Locker
Kids Foot Locker
Kids Foot Locker
The latest releases & sneakers
Free

Access the latest sneaker releases, exclusive rewards, and fashion from top brands. Earn points, get free shipping, and enjoy member-only perks. Shop footwear and apparel, find stores, and stay updated on sneaker culture.

FLX rewards programExclusive product launchesRelease calendar and notifications
πŸ›οΈ Shopping
(4.2K)
free with in-app purchases