Shop now and pay later with just your smartphone. No credit card or pre-registration is needed. Consolidate your purchases into a monthly bill with flexible payment options, including installments at 0% interest for select plans.






30+ similar apps compared and reviewed
Whether you want more options like atone (アトネ) or a completely different take on the same concept, our curated list of 30+ similar apps has you covered. Updated for 2026 with the latest ratings and comparisons.






Shop now and pay later with just your smartphone. No credit card or pre-registration is needed. Consolidate your purchases into a monthly bill with flexible payment options, including installments at 0% interest for select plans.




Manage your prepaid cards for online and in-store purchases. Apply for a new card, top up your balance through various methods, and secure your account with a lock feature. Spend only what you load to avoid overspending.






This app allows you to apply for a Visa credit card that supports your favorite artists, organizations, or works. Earn exclusive club benefits with everyday purchases. Basic use is free, with flexible repayment options.


This service offers a smartphone-based loan application and management process. Users can apply using their existing account and may receive preferential interest rates based on their service usage. Funds can be transferred directly to a payment balance or a bank account.








This application is a dedicated tool for managing older versions of Vプリカ. It is not compatible with the newer Vプリカ service, which requires a separate application.

