12 Best Apps & Sites Like Perpay to Buy Now Pay Later [2024]

Finding the best sites like Perpay? Wondering what the fastest way to get money is? Want to get access to money quickly without the pain of these loans? 

Don't worry; you've come to the right place! This article will discuss the 12 similar sites like Perpay, including how it works and eligibility requirements.

Perpay is a simple buy now, pay later solution. Select your favourite product, fill the cart and choose Perpay as your payment option. Even though Perpay is good for some users, it might not be right for you. Luckily, there are several alternatives which you can use.

“Buy Now Pay Later” services are prospering in growth as they are amazing alternatives to credit cards and have great flexibility, zero interest, and instantaneous credit checks, ensuring that these services are forever here to stay.

Zebit

Zebit is a United States-based company that provides an online shopping service with no interest and no fee. 

It offers its customers a line of credit up to $2,500, which they can pay over time without interest and any incurring fees.  

In order to create a Zebit account, you must be 18 years old, and Zebit might verify your employment or income and identity. 

One of the most beneficial things about Zebit is that your FICO score will not be affected in the application process.

Zebit market comprises different products, including computers, appliances, home goods, accessories, electronics, furniture, health equipment, etc. 

Zebit does not report your payments to any credit bureaus. That means it'll not help in building up your credit score.

Key Features

• You'll get interest-free store credit or ZebitLine up to $2,500.
• Have to make a 25% down payment with a debit or credit card, and the remaining 75% have to be paid back over the next 6 months.
• Zebit will determine how much credit you're eligible to receive through the application process.
• In the Zebit Market, you can browse and check what products are available.
• Zebit does not report your payments to any credit bureaus.
• Uses the same level of encryption that banks and other financial institutions use.

Eligibility/Credit Requirements        

• Be over 18 years old.
• Have a valid Email address
• Have a valid, verifiable U.S. mobile number 
• Might verify your identity and your employment or income

10 Best Sites Like Zebit to “Buy Now Pay Later” [2021]

Affirm

Affirm is one of the best sites like Perpay that allow you to shop anytime at any store and pay over time with no penalties, no late fees, or hidden costs of any kind. 

All you have to do is to look for your preferred store, fill your cart and select the payment choice you like best.

To use Affirm, you are supposed to have a good credit rating. Sometimes a down payment is required for some borrowers while making a purchase; if the borrower doesn't agree to make the down payment, Affirm may not accept the purchase.

Features

• If you're a new user, it checks your eligibility for a loan, verifies your details, and sets up your account.
• Affirm has a mobile app for both iOS and Android devices, so you can make payments at your convenience using the app.
• Its one-time-use virtual card lets you purchase from any online seller.
• It allows you access to a list of partner sellers, connecting you directly to every seller's site.
• When you have to make a payment, it lets you select which purchase you wish to repay.
• Its flexible repayment schedule lets you to finish your payments in twelve, six, or three monthly installments.
• It offers a way to make every transaction secure.

Eligibility Requirements

• Have to be at least 18 years old
• Should have a social security number
• Have a credit score of 640 or higher
• Be a citizen or permanent resident of the U.S.
• Have cell phone service and agree to text alerts

Quadpay / Zip

Quadpay , now Zip.co is another Buy Now, Pay Later platform that provides savvy shoppers more liberty and flexibility to pay later anywhere at any time. 

Consumers can split any purchase into four installments for over six weeks without any hidden fees or zero interest. It serves over thirty-thousand merchants and over four million customers.

Quadpay's main aim is to make a world where everybody has access to the things they require and need from life and allow modern customers easy, simple, clear, and financially responsible payment tools. 

Likewise, it allows their consumers to increase AOV without hurting their buying power down.

Features

• On any registered merchant, you can select Quadpay as a payment method during the checkout process.
• It provides the ability to cover your buying online or in-store with sellers.
• Your available balance usually goes down as you make purchases and goes up as you make payments.
• It provides every user a total spending limit which will be displayed in the app.
• It can decline your purchase if you don't have 25% of your buying amount available at the transaction time.
• It allows customers to pay in four interest-free installments for over six weeks.
• It permits easy integration for vendors and the competence for patrons to shop online as well as in-store.

Eligibility/Credit Requirements

• Must be a U.S. resident
• Have to be at least 18 years old
• Have a valid and verifiable mobile number
• Should be able to make a purchase with a U.S. credit or debit card

8 Best Apps Like Quadpay to Buy Now Pay Later [2021] or
7 Apps Like Zip to “Buy Now Pay Later” [2022]

Sezzle

Sezzle is a financial technology platform that is on a task to improve the next generation financially. 

It serves more than two million shoppers and thirty-four thousand merchants. Consumers can split any purchase into four interest-free installments for over six weeks without hidden fees or zero interest.

It is one of the best sites like Perpay that allows shoppers around Canada and the United States to have control of their spending, be more responsible, and gain complete access to financial liberty. 

Not only that, it also offers its shopper to postpone their payment once for free, and the extreme fee for later payment is $10.

Features

• The Sezzle payment plan lets users to pay the price of a product in four interest-free payments.
• You can easily log in and use Sezzle as the selected payment method through its app or website.
• It has a network of over 29,000 brands and a wide range of products, including jewelry, footwear, clothes, and many more.
• It offers a category of featured stores from the home screen, shortlisted based on its offers, popularity, and product quality.
• If you cannot repay your purchase for some reason, it lets you reschedule your payment.
• It operates as an alternate payment method that you can choose during the checkout process.

Eligibility Requirements

• Must be 18 years or older (19 years or older in Alabama)
• Have a valid U.S. or Canadian mobile number 
• Have a working email address
• Have a non-prepaid payment method available

Afterpay

One of the similar sites like Perpay, Afterpay offers short-term finance loans (Buy Now, Pay Later) with no interest.

Afterpay is an Australian financial technology site functioning in the United Kingdom, Australia, Canada, and New Zealand. Even though it does not charge any interest, it can charge late fees if you don't make the payment on time.

Customers are allowed to use Afterpay to make purchase online or in stores and pay for their buying in four installments over a six-week period. It uses flexible spending limits that are specific to each customer and for each purchase.

Features

• It lets users pay for this purchase in biweekly installments with no interest.
• It functions as an alternate payment method during the checkout process at online or in-store.
• You can be able to see your upcoming payments, orders, and account information.
• You'll be notified of an upcoming payment.
• It helps you to free up your cash flow by sharing your purchase down into four installments.
• You can change your payment card for future payments if you want to be more flexible with your finances.
• There are over 23,00 vendors accessible in North America itself and a total of 85,000 retailers across the world.

Eligibility Requirements

• Must be a U.S. resident
• Have to be at least 18 years old (19 years or older in Alabama & Nebraska)
• Have a working email address
• Have a valid mobile number
• Capable of entering a legally binding contract
• Provide a valid delivery address in the United States
• Have to use the US-issued credit or debit card or AMEX to make the purchase

Afterpay vs Quadpay vs Klarna vs Sezzle: Grand Comparison!

Klarna

Klarna is a financial platform that offers online financial services including direct payments, payments for online storefronts, and post-purchase payments. 

Its point-of-sales loans for in-store and online allow consumers to buy now and pay later at famous retailers such as Etsy, Sephora, Macy's, and Foot Locker.

You can be able to pay in four installments for every two weeks, and these installments are an interest fee. 

However, the company may charge a late fee of up to $7 if the payment is unsuccessful after two tries, and there is no penalty for early payment.

Features

• It is created in a way to make payments safe and secure for sellers and purchases.
• It has over 250,000 retail partners, including IKEA, Samsung, Abercrombie & Fitch, H&M, Expedia Group, ASOS, and many more.
• Klarna lets you pay for your purchase in four installments every two weeks.
• It provides online financial facilities, including direct payments along with post-purchase payments and payments for online shopfronts.
• The pay in four is a 0% interest and requests a 25% down payment at the time of buying.
• If the payment is failed after two attempts, it may charge a late fee of up to $7.
• There is no price for early payment.

Eligibility Requirements

• You need to be at least 18.
• Have a positive credit history
• Have a valid mobile number and email address

Splitit

Unlike any other Buy Now, Pay Later sites, Splitit allows you to use your existing VISA and Master cards credit without paying interest. 

Your transactions are agreed upon depending on your available credit card. You don't require any application, registration, or credit check to initiate a payment plan.

Furthermore, it allows merchants to expand conversion rates and increase average order value by providing consumers a simple and easy way to pay for purchases over time without needing additional approvals.

8 Apps Like Splitit to “Buy Now Pay Later” [2022]

Features

• It is an interest-free payment solution that allows you to make purchases with a credit or debit card.
• You don't have to be permitted for a line of credit, and you can be able to use your Mastercard or Visa credit or debit card.
• You can be able to choose how many installments you wish to use to repay the price of your purchase.
• Split installments over multiple cards if you don't have a high enough balance on one card.
• It doesn't require any application process, and installments are taken directly from your existing debit or credit card.
• There are no late or hidden fees, and it doesn't charge interest.
• It flawlessly integrates with most e-commerce platforms like Shopify, WooCommerce, or Magento.

Eligibility Requirements

• Should be over 18 years old
• Have a valid email address
• Have a valid and verifiable U.S. mobile number 

Affirm vs Splitit: Complete Comparison [2022]

ViaBill

Viabill is another BNPL site like Perpay that permits you to pay for your purchases over time, without interest. In this way, you can be able to buy and enjoy now at a price that suits you. 

All you need to do is choose a product, fill your basket, and select Viabill as your payment option.

It effortlessly integrates into your website's checkout flow and allows higher conversion, larger AOV, and revenue. If you are looking for any loan apps, here are the best payday loan apps.

Key Features:

• You can use ViaBill to track orders, receipts, transaction history, payment schedule, and other information.
• Customers can be able to manage payments and constitute contact or individual information along with payment approaches.
• You can get access to purchase electronics, sports, automotive, fashion, toy stores, and much more.
• It seamlessly integrates with several third-party applications, including Shopify, WooCommerce, and PrestaShop.
• You can track the expenses and view late payments with their due dates.
• It allows users to receive updates about processing additional payments, orders, paying the balance, and giving sellers feedback.
• You can be able to pay for your purchase over time in four separate interest-free installments.

Eligibility Requirements

• You need to be at least 18
• Have a valid Email address
• Have a valid, verifiable U.S. mobile number
• Have enough funds to cover your first installment at the time of purchase
• Use a debit/credit card to make a purchase

PayPal Pay in 4

PayPal’s Pay in 4 is another buy now, pay later sites that let users divide their online purchases into four interest-free installments, with the first payment (25%) at checkout.

It allows purchases of $30 to $1500, and it only appears as a choice at the point of sale for those whose PayPal account is in a good position.

While making a purchase, you just need to click on the standard PayPal button as the payment method, where the first payment is made at the time of purchase and the remaining payments are automatically deducted from your PayPal account based on the payment option you’ve chosen.

It is available in millions of stores, including Coach, Best Buy, Bose, Fossil, Sonos, Target, Bed Bath & Beyond, ALDO, Lands’ End, Samsonite, Champion, and more.

Key Features

• Four interest-free payments
• There is no prepayment fee
• May run a soft credit check to prove your eligibility
• It doesn’t impact on your credit score
• Doesn’t charge any late fee for missed payments
• Three subsequent payments will be taken every 15 days 
• Charges conversion fee for international purchases 
• No fees for deciding to pay with Pay in 4

Eligibility Requirements

• Be 18 years old
• Have a valid PayPal account
• Have a PayPal account in good standing

Venue

If you are looking for top electrical products, children’s toys, new pots, outfits for a wedding, or whatever, Venue can be the best place for you.

Unlike other companies like Perpay, Venue is quite different from other buy now, pay later services because it offers products from different merchants in one place.

Moreover, it offers a much longer repayment period than other pay later sites. And you don’t even have to pay interest as long as you repay on time.

In order to use Venue, all you need to do is simply download the app and create an account by providing your basic information and waiting till you get approved.

Once you are approved, you can start shopping and can access up to $4,000 of financing to pay for your purchases. So, you can shop whatever you want as long as you are within your credit limit. It offers flexible payment options – weekly, biweekly, or monthly.

Key Features

• Flexible payment options
• No interest if paid in full within 6 or 12 months
• Offers products from premium brands like Sony, Gucci, Delonghi, Chanel, Samsung, Apple, Nespresso, Prada, and more
• No credit required for leasing

Eligibility Requirements

• Must be at least 18 years old
• Have a valid photo ID
• Have an electronic payment method
• Should have a valid email address and phone number
• A valid Social Security Number or taxpayer ID number

FlexShopper

FlexShopper is another pay later website that offers rent-to-own lease and lets consumers make weekly or monthly payments.

To get started with FlexShopper, all you need to do is simply apply online and get approved within seconds for a spending limit of up to 2,500.

On the FlexShopper marketplace, you can browse the latest electronics, appliances, furniture, and more. As there are over 100,000 products available, you’ll be sure to find whatever you are looking for.

Once you make your purchase and receive your item, your first payment is automatically deducted, and the automatic weekly payments will commence. Typically, the prices shown are the weekly payments based on a 52-week lease.

Key Features

• Browse products or simply click on the product category of your choice
• Use FlexShopper to lease to own the brands you love
• Access up to a $2,500 spending limit
• Browse the latest products
• There are no hidden fees
• Offer easy weekly payments

Eligibility Requirements

• Be at least 18 years old (19 in Al and NE, and 21 in MS)
• Have a current source of income
• Should reside in the United States
• A valid checking account in good standing
• Have a valid Social Security Number or ITIN, address, and phone number

Four

Four is another popular app like Perpay that let you buy what you want today and make four equal payments every two weeks for entirely interest-free.

You don’t have to waste your time on lengthy forms anymore! Get instant approval with Four. All you need to do is to choose Four at checkout at selected retailers and then divide your purchase into four equal payments.

Or you can simply checkout with 1Click and use your shopper portal to manage your orders and payments and even discover new stores.

Although it doesn’t charge any interest, it will charge you a $7 late fee for each payment that is not made on its scheduled due date.

Its features stores include Bellissimo Hata, Doc Printers, Fragrance Earth, Designer Eyes, Poly & Bark, Pawz, ShadesDaddy, 22 Days Nutrition, Elastique Athletics, and many more.

Key Features

• Four equal payments
• Interest-free
• No credit checks
• Ability to pay later at all your favorite stores
• Make and manage payments
• View all your Four orders, payments, and payment history
• Get notified before a payment is due
• Manage your payment methods
• Payments are automatically schedule

Eligibility Requirements

• Must be at least 18 years old
• Be a resident of the United States or its territories
• Represent and warrant that you are eligible to use the services
• A valid email ID and phone number

FAQs: Sites like Perpay

From Australia? Best Buy Now Pay Later Apps in Australia [2022]

The Bottom Line

BNPL services are significantly installment payment platforms. That means, you can buy something now at a fraction of its price, and you pay off the remaining amount in some time. However, keep in mind that the accessibility of “Buy Now Pay Later” services does not mean that you can be able to purchase anything without limit.

If you have more queries or suggestions on “Sites like Perpay”, feel free to comment in the comment section below.

Also Read: Best Apps like Possible Finance