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Best apps like Splitpay

30+ similar apps compared and reviewed

4.3 avg rating
10 free apps
Updated September 2026
Splitpay
Splitpay
SplitPay Limited
💰 Finance

Whether you want more options like Splitpay 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.

Top Alternatives to Splitpay

Zilch: Smart Credit#1

Zilch: Smart Credit by Zilch Technology Limited

Pay over time. Earn Rewards.
Editor's Choice
💰 Finance
4.9😐(21K ratings)
Free
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Split purchases into four interest-free installments over six weeks, or get instant cashback rewards when you pay in full. Shop at thousands of online stores or anywhere Mastercard is accepted.

What We Love

  • 💯 Excellent app
  • 🤑 Flexible payments
  • 👍 Easy to use
  • 🤩 Fantastic experience
  • 🚀 Convenient and quick
  • 💳 Great credit builder
  • 🤑 Helpful when money is tight

Room to Improve

  • 🤬 Poor customer service
  • 🐛 Buggy app
  • 💰 Unexpected fees
  • 🤔 Confusing payment options
  • 🚫 Unable to link cards
  • 🤷‍♀️ Inconsistent credit limit increases
CredPal#2

CredPal by Crednet Technologies Inc

Pay Later | Loans | Invest
Strong Contender
💰 Finance
4.4😞(947 ratings)
Free
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Access online loans and a buy now, pay later service for electronics and other purchases. Manage repayments, build credit, and even invest your money.

What We Love

  • 💯 Good service
  • 👍 Best app I've seen so far
  • 👍 I recorded the app
  • 💰 I was given a credit of 60k
  • 👍 The shop now pay later option really helped me out
  • 👍 They are amazing
  • 👍 I appreciate the credit service and the low interest rates
  • 👍 Credpal gets it right
  • 👍 Fast and reliable
  • 👍 The % is attractive. And the service is excellent
  • 👍 Seamless and Easy to Use
  • 👍 Lovely financial app to build your credit score
  • 👍 The best app when it comes to credit
  • 👍 Perfect Investment App
  • 👍 Good platform but not instant loan as they say
  • 👍 Obviously one of the best financial apps I've ever used
  • 👍 Very good app
  • 👍 The best in Nigeria so far when it comes to credit management
  • 👍 Best app and CredPal customer support one of the best in Nigeria

Room to Improve

  • 🤬 Sha
  • 🐛 A big buggy
  • 🤬 Scam app
  • 🤬 Loan shark
  • 🤬 If you value your Sanity and peace of mind, Avoid this app at all cost!
  • 🤬 Download and use at your own risk!!!
  • 🤬 SCAM APP, USE AT YOUR OWN RISK
  • 🤬 Poor customer service
  • 🤬 It's a mediocre app
  • 🤬 Scam
  • 🤬 Bad app
  • 🤬 Terrible customer service
  • 🤬 Scamers they're scamers
  • 🤬 Why can't I withdraw
  • 🤬 Very good app but extremely poor customer service
  • 🤬 Not for everyone
  • 🤬 Thieves
  • 🤬 Only for Nigerian phone numbers
  • 🤬 Useless
  • 🤬 Missing money and locked account
  • 🤬 Rubbish, can't unlock portfolio
  • 🤬 Help
  • 🤬 Bad service
  • 🤬 Can't transfer
  • 🤬 Location problem
  • 🤬 No work in United state?
  • 🤬 You have to have a Nigerian Number... smh
  • 🤬 Phone # area not working
  • 🤬 Can't a code to verify my Bvn
  • 🤬 Unknown error while trying to activate card
  • 🤬 Bad
  • 🤬 Inconvenience
  • 🤬 Failed Transaction
  • 🤬 Scammer
  • 🤬 Not good at all
  • 🤬 Account processing for almost a week now...
  • 🤬 Unable to use app after being Charged #250 for the app on bank account
  • 🤬 Fix this
  • 🤬 Zero engagement
Newpay#3

Newpay by NewDay Ltd

Buying big? Spread the cost.
Worth Considering
💰 Finance
0.0(0 ratings)
Free
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Manage your credit account on the go with this secure mobile app. View your balance, track transactions, make payments, and manage your direct debit. Access retailer information and update your contact details easily.

More apps like Splitpay

4
BharatPe UPI Payment, Loan App
BharatPe UPI Payment, Loan App
BharatPe UPI Payment, Loan App
Bill Payments, Credit Card
Free

This financial app offers fast UPI payments, bill settlements, and instant cash loans up to ₹15 lakh. It also provides a lifetime-free credit card with uncapped rewards and lounge access. Enjoy fraud protection and earn rewards on every transaction.

Fast UPI paymentsBill and recharge paymentsInstant cash loans up to ₹15 lakh
💰 Finance
(14K)
free
5
Speedy Payday Loans
Speedy Payday Loans
Speedy Payday Loans
by Rainbow UK Ltd
Free

Easily find short-term loans up to £1000 with funds deposited within hours. This app connects you to multiple lenders simultaneously, simplifying the application process and offering quick access to cash, even with a bad credit rating.

Borrow up to £1000Funds deposited within hoursConnects to over 70 lenders
💰 Finance
(1.4K)
free
6
Tymit Credit Card
Tymit Credit Card
Tymit Credit Card
The credit card, reinvented
Free

This app offers a unique credit card experience with complete control over spending and repayments. Spread purchases across up to 3 months interest-free or choose longer plans with transparent interest rates. Manage your finances with flexible repayment options and helpful spending tools.

Spread purchases interest-freeFlexible repayment schedulesPurchase simulator for planning
💰 Finance
(16)
free
7
Same Day Loans: Cash Advance
Same Day Loans: Cash Advance
Same Day Loans: Cash Advance
Payday Loans - Instant Money
Free

Borrow between $100 and $5000 with a straightforward application process. Manage payday loans, installment loans, and lines of credit directly from your device. Receive funds as soon as the next business day.

Apply for new loansEasy, safe, and quick applicationManage existing loans
💰 Finance
(502)
free
8
Bip: Simple cardless credit
Bip: Simple cardless credit
Bip: Simple cardless credit
Spend, save & control money
Free

This app offers cardless credit with no hidden fees, allowing users to manage their spending and finances easily. It provides features like spending caps, instant balance updates, and 24/7 support for a secure and controlled financial experience.

Cardless credit accessSpending caps and controlInstant balance updates
💰 Finance
(7)
free with in-app purchases
9
OppFi Card
OppFi Card
OppFi Card
Manage your OppFi Card
Free

Manage your credit card account on the go. Access your full card details securely after approval, including card number, CVV, and expiration date. The app offers convenient features to help you manage your account anytime, anywhere.

Secure card information accessCard number, CVV, and expiration dateOn-the-go account management
💰 Finance
(43)
free
10
The Credit Thing
The Credit Thing
The Credit Thing
A free virtual payment card
Free

This app offers a free virtual payment card for everyday use, allowing contactless payments and online spending. It provides real-time spending alerts and human customer service for UK residents over 18. Experience innovation and transparency in managing your finances.

Virtual payment cardContactless payments with Apple PayOnline spending with card details
💰 Finance
(18)
free
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