7 Best Sites Like Perpay for Buy Now Pay Later [2021]

sites like perpay alternatives

Are you searching for the best sites like Perpay? Wondering what’s the fastest way to get money? Want to get access to money quickly without the pain of these loans? Don’t worry, you’ve come to the right place! In this article I’m going to discuss the best sites that are like Perpay.

Perpay is a simple buy now, pay later solution. Select your favorite 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.

Best Sites Like Perpay [Best Alternatives]

“Buy Now Pay Later” services are prospering in growth as they are amazing alternative to credit cards and also has great flexibility, zero interest and instantaneous credit checks which ensure that these services are forever here to stay.


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 fess 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, then Affirm may not accept the purchase.


  • 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 which can connect you directly to every seller’s site.
  • When you have to make 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.


Quadpay is another Buy Now, Pay Later platform that provides savvy shoppers more liberty and flexibility to pay later anywhere at any time. Consumers are allowed to 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 to allow modern customers with easy, simple, clear and financially responsible payment tools. Likewise, it allows their consumers to increase AOV without hurting their buying power down.


  • 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 time of the transaction.
  • 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.


sites like perpay

Sezzle is a financial technology platform that is on a task to financially improve the next generation. Consumers are allowed to split any purchase into four interest free installments for over six weeks, without any hidden fees or zero interest. It serves more than two million shoppers and thirty-four thousand merchants.

It is one of the best sites like Perpay that allows shoppers around Canada and the United States to have control of their spending and 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.


  • 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 which is shortlisted based on its offers, popularity and product quality.
  • If you are not able to repay your purchase for some reason, it lets you to reschedule your payment.
  • It operates as an alternate payment method that you can choose during the checkout process.


sites like perpay

Afterpay is an Australian financial technology site functioning in the United Kingdom, Australia, Canada and New Zealand. It is one of the best sites like Perpay that offers short term financing (Buy Now, Pay Later) loans interest free. 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 a purchase online or in stores and pay for their buying in four installments over a six-week period. It uses a flexible spending limits that are specific to each customer and for each purchase.


  • It lets users to 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.
Afterpay vs Quadpay vs Klarna vs Sezzle: Grand Comparison!


perpay alternatives

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 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.


  • 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.


perpay alternatives

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 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 extra approvals.


  • It is an interest-free payment solution which 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.


alternatives to perpay

Viabill is another best site like Perpay that permits you to pay for your purchases over time, without interest. In this way, you can be ale to buy and enjoy now at a price that suits you. All you need to do is to 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 is the best payday loan apps.

  • 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 process additional payments, orders, pay the balance and give feedback to sellers.
  • You can be able to pay for your purchase over time in four separate interest-free installments.
10 Best Sites Like Zebit to “Buy Now Pay Later” [2021]


Does Klarna credit check every time?

Using Klarna will not affect your credit score when you choose to pay in three installments and deciding to pay in 30 days.

Is Sezzle the same as Afterpay?

Both Sezzle and Afterpay are one of the best buy now, pay later services.

Is ViaBill Interest free?

Yes, you can pay in four interest-free installments through ViaBill.

How many payments is Splitit?

Splitit payments can be made over three, six, twelve or twenty-four months.

What is the max Sezzle limit?

Sezzle has a $2500 limit and if you’re a new user, you might not be approved for the full $2500.

Does Quadpay automatically take money out?

Yes, every payment is automatically deducted from your selected card.

The Bottom Line

BNPL services are significantly installment payment platforms. This 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.

So, I hope the above article on 7 best sites like Perpay has helped you select the best option that suits your needs and preferences.

Also Read: Best Apps like Possible Finance

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