Best apps like Zilla | Buy now. Pay later.

23+ similar apps compared and reviewed

4.0 avg rating
10 free apps
Updated August 2026

Whether you want more options like Zilla | Buy now. Pay later. or a completely different take on the same concept, our curated list of 23+ similar apps has you covered. Updated for 2026 with the latest ratings and comparisons.

Top Alternatives to Zilla | Buy now. Pay later.

CredPal#1

CredPal by Crednet Technologies Inc

Pay Later | Loans | Invest
Editor's Choice
💰 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

Room to Improve

  • 🤬 Sha
  • 🐛 A big buggy
  • 🤬 Scam app
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 Zilla | Buy now. Pay later.

4
Fundall
Fundall
Fundall
All things money in one place
Free

Manage, spend, and grow your money with a unified digital financial platform. Enjoy seamless transactions, earn interest on savings, and access investment products. This app simplifies your financial life by consolidating services and offering rewards.

Earn interest on savingsBudgeting and spending trackerReferral rewards
💰 Finance
(88)
free
5
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
6
Payemm Mobile
Payemm Mobile
Payemm Mobile
by Payemm Limited
Free
💰 Finance
(0)
7
menaCred
menaCred
menaCred
Helping you do much more!
Free

This app provides financial solutions for individuals and small businesses, offering credit options even with no credit history. It also facilitates savings and investments with potentially good returns.

Financial solutions for individualsCredit for small businessesCredit without prior history
💰 Finance
(11)
free
8
Shabo Pay
Shabo Pay
Shabo Pay
See it. Pay it. Sorted!
Free
💰 Finance
(0)
9
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
10
Zilch: Smart Credit
Zilch: Smart Credit
Zilch: Smart Credit
Pay over time. Earn Rewards.
Free

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.

Pay over 6 weeks with 0% APRZero late feesUp to 5% back in rewards
💰 Finance
(21K)
free