Top 10 Apps Like Afterpay to Shop Now & Pay Later in 2025

Apps like Afterpay will give customers more financial flexibility in 2025, making managing finances simpler while purchasing things they love. Buy Now Pay Later (BNPL) apps allow payments to be spread out over time without incurring fees for late fees or service charges. Fast installment loans can be found both online and in physical shops and typically don’t require credit verification. Their speed, user friendliness, and simplicity make them ideal for anyone wanting financial freedom without credit cards.

Top 10 Apps Like Afterpay

1. Klarna

Klarna is one of the most popular apps like Afterpay, offering users four interest-free payments split over four months for purchases made at thousands of retailers. It also rewards regular users! Thanks to an intuitive app and browser extension, Klarna makes budgeting simple while shopping is made convenient and budgeting manageable.

Pros:

• Huge global retailer network
• Easy four-installment payments
• Rewards program for frequent users

Cons:

• Late fees if payments are missed
• Can lead to overspending

Also read: 10 Best Apps Like Dave for Instant Cash Advance

2. Spendwisor

Spendwisor is an emerging BNPL (buy now, pay later) service gaining attention as one of the new apps like Afterpay. It offers easy installment plans and works with various retailers. Designed for budget‑conscious shoppers, Spendwisor helps spread payments without overwhelming fees or complicated approval processes.

Pros:

• Simple approval process
• Flexible repayment options
• Growing list of merchants

Cons:

• Limited availability
• Fewer features compared to bigger BNPL apps

3. Perpay

Perpay stands out among apps like Afterpay with no credit check. Rather, its approval process relies on your income instead, and payments can be deducted directly from your paycheck. As such, this makes it the ideal solution for consumers with limited credit histories who require a safe yet budget-friendly payment option.

Pros:

• No credit check needed
• Payments are deducted from the paycheck
• Helps build credit over time

Cons:

• Smaller partner retailer network
• Shipping may be slower

4. Tabby

Tabby is a growing BNPL platform popular in the Middle East. It lets users split purchases into four interest‑free payments with no fees if paid on time. As one of the newer apps like Afterpay, Tabby partners with major retailers and offers an easy shopping experience through its app and website.

Pros:

• Interest-free four-payment plan
• Very popular in the Middle East
• User-friendly design

Cons:

• Limited regional coverage
• Fewer global shopping options

5. Katapult

Katapult is the best alternative to Afterpay by offering lease-to-own financing solutions that enable its customers to lease items worth up to $3,500 with flexible payments and ownership over time. It’s making larger purchases more manageable for everyday shoppers.

Pros:

• Lease-to-own for bigger purchases
• No hard credit check
• Fast approvals up to $3,500

Cons:

• Payments can become expensive over time
• Fewer merchants accept it

6. Sezzle

Sezzle is a leading BNPL app that helps customers pay back in four interest-free payments over six weeks with zero upfront costs or hidden fees. Renowned for its transparency and straightforward approval process, Sezzle has won thousands of merchants. Apps like Afterpay are among the best-known BPNL apps offering consumers flexibility without hidden fees or surprises.

Pros:

• Four interest-free payments
• No hard credit check
• Accepted by thousands of U.S. and Canadian stores

Cons:

• Small late fees if payments are missed
• Limited to certain countries

7. Zip

Zip is another best afterpay alternatives. It allows users to spread purchases over four easy installments without incurring interest when paid promptly. Zip is widely accepted online and in-store, making it ideal for shoppers on a tight budget looking for short-term payment flexibility.

Pros:

• Four simple installments
• Works online and in-store
• No interest if paid on time

Cons:

• Late fees apply if missed
• Not as globally available as Klarna

Also read: Top Free Financial Planning Apps

8. Splitit

Splitit takes a different approach to BNPL by using your existing credit card to divide purchases into interest‑free installments. Splitit stands apart from similar apps such as Afterpay in that it does not require creating a new account or a credit check, making it ideal for individuals looking for flexible installment plans without negatively affecting their score.

Pros:

• Uses existing credit card for payments
• No credit check required
• Doesn’t affect your credit score

Cons:

• Needs an available credit line
• Doesn’t work for people without credit cards

9. Affirm

Affirm is one of the most trusted names in BNPL services, offering payment plans ranging from three to twelve months or longer. While some purchases carry interest, there are no hidden fees or late charges. Among apps like Afterpay, Affirm is especially useful for larger purchases and travel bookings.

Pros:

• Long-term payment plans available
• No hidden fees
• Transparent terms for large purchases

Cons:

• Some loans have interest up to 30% APR
• Can impact credit score

10. Uplift

Uplift specializes in travel financing, helping users pay for trips over time with clear payment plans that make dream trips a more attainable goal. Uplift is ideal for anyone planning now to pay later – there’s even an app dedicated solely to flights, hotels, and vacation packages! It’s one of the best apps like Afterpay for travel when planning your next trip!

Pros:

• Simple and best for vacation costs
• Quick approval process
• Offer Travel partner discounts

Cons:

• Smaller retailer list
• Mixed customer service reviews

Final Thoughts

As interest in apps like Afterpay continues to rise, there’s a growing ecosystem of alternatives catering to different needs—whether you want travel financing (Uplift), interest‑free flex pay (Splitit), or easier access with no credit check (Perpay, Katapult).

FAQs about apps like Afterpay