7 Apps like Sezzle to Buy Now Pay Later [2024]

If you are looking for apps like Sezzle and thinking which buy now, pay later service offers the best service, this post is for you! This article will discuss Sezzle alternatives that will let you purchase something now and pay overtime. You should definitely check out its alternatives.

Buy now, pay later apps have become incredibly popular to help customers pay off their purchases over a longer time. Not only that, but also their ease of use, interest-free payments, and low fees make it even worthier. 

Sezzle is such a buy now pay later service that offers an interest-free installment plan at selected retail stores and has over 34,000 active merchants. Moreover, it lets consumers split the payment of their purchase into four installments.

When you place an order through Sezzle, it'll examine your account and decide what type of repayment plan you'll get. Then, you'll have to pay 25% upfront or the first installment fee, and the remaining amount should be paid around three more installments. 

Although Sezzle is the most popular buy now, pay later service, it never hurts to check out its alternatives. As you make your way down the article, you'll get to know more detailed information on the 7 best apps like Sezzle!

Affirm

Affirm is one of the best apps like Sezzle that operates as a financial lender of installment loans for customers to use at the point of sale to finance a purchase.

Unlike a credit card, Affirm loans have a fixed payment schedule that you can view before completing each purchase.

And when you shop with affirm, a few retailers offer rates as low as 0% on your purchases. Since Affirm doesn't charge any fees, you'll never pay more than the agreed payment schedule.

But in some cases, partial or late payments might hurt your credit score and reduce the chances of getting a loan. Affirm may perform a soft credit inquiry to verify a customer's identity and to pre-qualify them for their spending limit.

Requirements for Eligibility

• Must be 18 years or older (19 years or older in Alabama and Nebraska)
• Have a valid U.S. or APO/FPO/DPO home address
• Valid U.S. mobile or VoIP number that receives SMS texts
• Provide your full name, email address, date of birth
• Give the last 4 digits of your social security number to authenticate your identity

How Does Affirm Work?

After you open an account with Affirm, you receive a maximum spending limit, which typically varies by customers. But the maximum purchase amount one is allowed by Affirm is around $17,500.

Every time you wish to purchase something, Affirm examines your account to approve that transaction. And during the checkout, you'll be presented with different payment options that you can select depending on your limit.

You can choose the payment schedule that will be perfect for you and then confirm your loan. Your credit limit is based on your payment history, credit history with Affirm, and how long you have the Affirm account for. 

Yet, your credit limit can be increased by some factors like how you're managing your existing loans, paying bills on time, and reducing debt balances. 

Repayment: To repay your loan, you can choose to split your purchases up to three or six or twelve payments. And if you want to pay off your loan early, you can pay without any prepayment penalty.

Interest and Fees: Affirm doesn't have any prepayment fees, late fees, service fees, or hidden fees. And interest rates change depending on which retailer you are shopping. 

Customer Service: If you need any help with Affirm, you can email their customer support at help@affirm.com or cares@affirm.com or call them at (855) 427-3729. Visit Affirm's help centre for more information.

Affirm vs Splitit: Complete Comparison [2022]

Afterpay

Afterpay is an Australian fintech company that operates in the United Kingdom, the United States, Canada, New Zealand, as well as Australia.

It is best known for its' pay later' service, which lets online and in-store customers purchase a product instantly and pay for it later with four equal repayments.

All these repayments are interest-free. But if they are not paid every two weeks as needed, late fees are accumulated. You can easily sign up for an account without providing your social security number.

Requirements for Eligibility     

• Should be a U.S. resident and reside within one of the 50 states or the District of Columbia.  
• Must be at least 18 years old or 19 years old in Alabama and Nebraska
• Can enter a legally binding contract
• Have a valid and verifiable email address and mobile number
• Valid delivery address in the United States
• Be authorized to use the US-issued credit or debit card to make the purchase.

How Does AfterPay Work?

You can easily create an Afterpay account by providing some basic personal information, such as your phone number, date of birth, email address, house address, and credit or debit card number. You don't have to provide your social security number, and there is no credit check.

Then, you'll be given a small spending limit to start with Afterpay. Typically, a lot of new accounts will start out with a $500 limit, which can be eventually increased over time based on your on-time payments and how you use it.

You'll have to pay the first payment during the checkout and the remaining at the next installments. For instance, if your purchase amount is $100, you'll have to pay $25 during the checkout. And the other $75 is paid in equal installments every two weeks over the next six weeks.

Also, remember that they'll charge you a fee if you pay late, and your account will be frozen for any new purchases. And they'll never report your account to the credit bureaus. Thus, late payments will not hurt your score, and on-time payments will not build your credit score.  

Repayment: You can repay your loan in four equal installments, due every two weeks, with the first payment paid at checkout. 

Sometimes, your first payment could be higher than the others for large purchases. Yet, the company will show how installments are split before you pay.

Interest and Fees: All the Afterpay loans are interest-free loans with a $25% upfront. And when you make a late payment, your late payments will be capped at 25% of the initial purchase, which does not accumulate over time.

Customer Service: If you need any help with Afterpay, you can email their customer support at info@afterpay.com.au or call them at 855-289-6014.

Afterpay vs Quadpay vs Klarna vs Sezzle: Grand Comparison!

Klarna

Klarna is another app like Sezzle that offers online financial services, including direct payments along with post-purchase payments and payments for online storefronts.

The main goal of Klarna is to offer payment solutions for the e-commerce industry and to make safe and secure payments for sellers and buyers.

Although some point-of-sales apps that are listed in this article will only allow you to make online purchases at selected retailers, through Klarna, you can make purchases at any U.S. retailer that accepts debit and credit cards.

Moreover, it enhances your checkout experience by offering direct payments, pay after delivery options, and installment plans that permit you to pay whenever you want.

Requirements for Eligibility

• You need to be at least 18 in order to use Klarna's payment options
• Have a positive credit history
• Have a valid and verifiable email address and mobile number
• Don't have a lot of debt

How Does Klarna Work?

You can seamlessly use Klarna through the app, all you need to do is to download the app and sign in to create an account by providing your basic personal information.

Klarna will determine your spending limit by performing a soft credit inquiry, your Klarna purchase history, and your personal information. Remember that this credit check will not affect your credit score or neither it'll appear on your credit report.

And when you make a purchase, you can select from one of the three financing options – Pay in 4 or pay in 30 days or a 6 to 36-month loan.

The pay in 4 is a 0% interest option that needs a 25% down payment during the time of purchase. Pay in 30 loans give you time to return the products you don't want and the longer time loans (pay on 6 to 36-month) require monthly payments until the balance is paid in full.

You can view your process returns, purchase history, and track your shipments through the mobile app. Besides that, you can also create a wish list of items for future purchases or to share with family and friends.

And when the price drops on any item on your wish list, you'll get a notification. Klarna is one of the few BNPL apps which provides a loyalty program that rewards users.

Repayment: The pay in four is a zero-interest option that requires a 25% down payment at the time of buying, then three equals, fortnightly payments for the remaining balance.

Interest and Fees: It doesn't charge any interest on its pay in 4 loans. And if you don't pay your payment on time, you'll have to pay a late fee of $7. Also, the longer terms loans have a $35 late fee assessment.

Customer Service: If you need any help with Klarna, you can email their customer support at hello@klarna.com or call them at 844-552-7621. You can also send a message via the Klarna app, or even online chat is available on the Klarna website.

From UK? Try these 6 Apps Like Zilch to Buy Now Pay Later [2022]

Zip [Quadpay]

Zippay, which has now acquired the US-based buy now, pay later service – Quadpay, is a fintech that functions in Australia, the United States, the United Kingdom, New Zealand, the United Arab Emirates, the Czech Republic, and South Africa.  

Zip digital wallets have two types of interest-free accounts – Zip Money and Zip Pay. These can be used with retail partners in-store and online, wherever Zip is accepted.  

Zip Pay offers an interest-free service until the end of each month. And if the payment is not done by the due date, it charges $6. These accounts are available from $250 up to $1,500.

On the other hand, Zip Money offers 6 months interest-free service, offering a reusable amount of up to $30,000.

Requirements for Eligibility

• Be at least 18 years old.
• Must have a verified PayPal, Facebook, or online banking account in your own name
• Have a good credit history
• Earn over $300 of primary income per week
• Have a valid email address and phone number
• Have a valid debit or credit card (Mastercard or Visa card)

How Does Zippay Work?

In order to use Zippay, you'll first need to create a Zippay account by providing your basic personal information like your name, date of birth, address, driver's license, or any other government-provided I.D.

After you are approved, you can make your purchase either online or in-store. Its website lets you search for a physical retailer (in-store) and create a voucher for the amount you'd like to spend. And for the online purchase, participant retailers will show that they offer Zip on their website.

Once you have decided on your purchase, you'll have to pay $25 upfront or as a down payment, which can be paid through credit or debit card.

Then, it'll show you the repayment schedule, which needs three further 25% payments over six weeks. All these payments are entirely interest-free.

Repayment: After you've purchased something, you can choose between a weekly or monthly repayment schedule. These payments are automatically debited from your credit card or your bank account.

Interest and Fees: It doesn't have any annual fee, and it charges any interest. Nevertheless, you'll have to pay a fee of $6 if you don't pay your balance in full.

Also, if you don't make repayments for over 21 days after the fee-free period, it may even charge a late fee of $5.

Customer Service: If you face any issue with Zippay, you can email their customer support at complaints@care.zip.co or call them at (02) 8294 2345 between 9am to 6pm, Monday to Saturday. You can also mail them at 14/10 Spring St, Sydney NSW 2000.

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

Perpay

Perpay is the all-in-one shopping app that makes it easy to buy your favorite product now, pay over time and build credit along the way.

The primary goal of Perpay is to make everyday buying more available. You can use your personalized spending limit to shop for the products you want.

After you make on-time payments for four months, you'll qualify for credit building. In this way, Perpay can help increase your credit score, as it reports your direct deposit payments to Equifax and Experian credit bureaus.

Requirements for Eligibility

• Have an active mobile phone 
• Be in good standing with all financial requirements
• Actively maintain full-time employment
• Minimum annual income should be $15,000
• Ability to set up multiple direct deposits
• No active bankruptcies
• You must validate three months of employment history with your current company
• Have access to a complete copy of a recent pay stub

How Does Perpay Work?

Create a Prepay account on the mobile app and give your personal information, such as your name, phone number, house address, email address, and social security number.

You can explore your favorite products on the Perpay market and add them to your cart, and then submit your application for a review.

Perpay will determine your request, and it will offer an appropriate spending limit and a conclusion on your requested application.

After they approve your application, you'll get an email with information on making payment for your purchase and getting your product. Once they receive your first payment, they will ship your products.

You can repay over time with an easy repayment schedule with no interest or any other fee. Moreover, its eight-installment payment plan provides a simple way to make payments for large items within reach.

Repayment: You can make payments in eight equal installments through a regular direct deposit.

Interest and Fees: It doesn't charge any interest, but if you miss a payment by any chance or if they don't receive the payment within six days of the due date, it will charge you a late fee of up to $35. 

Customer Service: If you need any help with Perpay, you can email them at hello@perpay.com or call them at 215-834-4200.

8 Best Sites Like Perpay to Buy Now Pay Later [2021]

PayPal Pay in 4

PayPal pay in 4 is a new BNPL payment service that lets you purchase a product online. It only appears as a choice at the point of sale for those, whose PayPal account is in a good position.

That means, if you have a negative balance in your Paypal account, there is a probability that the pay in 4 option might not appear in your PayPal wallet.

Furthermore, it uses its own information and analytics to run credit checks with an external credit bureau to ensure whether you can afford the loans.

Requirements for Eligibility

• Be at least 18 years old
• Live within an eligible state within the United States
• Must have a valid PayPal account connected to your credit or debit card
• Agree to have a soft credit check completed
• Complete a transaction valued between $30 and $600

How Does PayPal Pay in 4 Work?

In order to use PayPal Pay in 4, you'll have to create a PayPal account by providing your basic information, such as your card info and home address. You can also choose to link your bank account directly.

The Pay in 4 option will be visible in the PayPal wallet if you meet the eligibility requirements. You just have to click on the standard Paypal button to pay for your purchases.

And it allows you to divide your purchases between $30 and $1500 into four equivalent interest-free installments. However, the first payment should be made during the time of purchase.

These repayments are deducted automatically from your PayPal account based on the payment method you've selected.

You'll have to remember that missing payments can negatively affect your credit score if you leave it unpaid for 30 days or longer.

Repayment: PayPal Pay in 4 charges you the first of four equal interest-free payments. The next three installments are automatically scheduled biweekly over six weeks to be paid through your PayPal account.

Interest and Fees: It doesn't charge any interest or other fees like late fees. So, as long as you see PayPal's Pay in 4 option at the checkout, you can have multiple Pay in 4 plans simultaneously.

However, PayPal charges only currency conversion fees on international purchases.

Customer Service: If you have any issue with Paypal, you can contact their customer service through an online chat on its website, or you can simply fill up the community forum or even connect with them through call.

Splitit

Splitit is a payment method solution that lets you pay for your purchases with an existing credit card by splitting the cost into interest and fee-free monthly payments.

Moreover, it even allows merchants of all sizes to offer payment installments to their customers within a few minutes. It is one of the best apps like Sezzle.

And it is partnered with some famous sellers like James Avert and SofaClub to help you to choose a payment plan for your finances and lifestyle. 

Its equivalent payments can range from 3 to 24 interest-free months! Since it doesn't require any registration, you can easily access the payment option as you check out from the seller.

Requirements for Eligibility

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

How Does Splitit Work?

Unlike other buy now, pay later services that are mentioned in this article, Splitit doesn't need any application process and does not perform any credit check.

So, when you choose Splitit as your payment option, it'll create automatic installment payments, or you can select the number of interest-free payments that you'd like to make.

These payments can be made over 3, 6, 12, or 24 months. But some sellers limit the number of possible payments. And once it approves you, you can use Splitit to regulate your buying.

When you complete the purchase, and the seller approves your shipment, it ensures that you have the available credit for the complete purchase.

Then, it'll charge the first payment, and the remaining balance will be held on your debit or credit card till the final payment is made.

Also, during your purchase, Splitit asks you to provide your email to set up an account with the support portal on its website. You can be able to use this portal to check your installments and make payments.

Repayments: You'll have to pay for your first installment on the day of your purchase and then each month on the same day for a number of installments you've selected.

Interest and Fees: Paying with Splitit always have interest free and there is no fee for late payments.

Customer Service: If you face any issue with Splitit, you can email their customer support at support@splitit.com or call them at +61-1800-957-440.

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

Wrapping Up: Best Apps Like Sezzle That You Can Use!

All the BNPL apps mentioned in this article are easy to use, interest-free, and have low fees. Nonetheless, as there are many BNPL services available out there, what is the best for you?

So, to help you find the best App like Sezzle, we've researched and reviewed every buy now, pay later services to find out which one will be the best choice for you.

From Australia? Best Buy Now Pay Later Apps in Australia [2022]
From UK? 5 Best Buy Now Pay Later Apps in UK [2022]
Best Alternatives Apps Like Deferit to Check Out