6 Top Sites like Afterpay Australia: It Pays to pay! [2023]

Sites like Afterpay Australia

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Sites like Afterpay Australia: Are you searching for the best sites like Afterpay Australia? If so, you’re at the right place! In this article, we’ll talk about the top sites like Afterpay that you can use in Australia.

What is Afterpay?

The Australian financial technology company Afterpay Limited is best known for its buy now, pay later (BNPL) service that allow you to buy something now and pay for it later, making them practically identical to credit cards. Afterpay has become extremely popular in recent years as it worked with a number of retailers or vendors to facilitate purchases. 

And as a customer, you can shop at thousands of physical and online retailers anywhere where a single purchase can be divided into four interest-free fortnightly installments.

Since it’s not the only choice you have, by the end of this article, you’ll know about which are the best sites like Afterpay in Australia with their key features.


Sites like Afterpay Australia

Humm is a payments platform that enables users to make “interest-free” purchases of up to $30,000 that are paid back in “slices” over time.

Originally called Flexigroup, Humm launched in Australia in the middle of 2019 and anticipated having 2.5–2.6 million active users by the year 2021. 11.5% of people are now aware of Humm, a huge increase over the 8.6% who were in September 2020.

Humm offers two alternative payment options for purchases that it classify as “large things” and “small things,” each with a different payback structure.

One account is the Small Things account, which has a $2000 account limit split over 5 or 10 installments, and the Big Things account, which has a $30,000 account maximum over 6 to 60 months.

Key Features

  • For each missed payment charges a $6 late fee.
  • There is an establishment fee of $30 to $110 for large purchases.
  • When purchases are spread over 10 or more payments, there is a $8 monthly fee.
  • The “humm90” platinum Mastercard from Humm offers one of the longest interest-free periods on the market, up to 110 days.
  • Spend up to $2,000 on “Little things” and pay it back in five or ten weekly or fortnightly installments.
  • Purchase “Big Things” up to $30,000 and pay them off over 6, 12, 24, or even 60 months.



Zip is one of the second-largest sites like Afterpay in Australia and has two distinct BNPL branding. The account limit is over $1,000 for larger purchases, and it is under $1,000 for minor ones.

Globally, Zip has 5.7 million active users, an increase of 217% year over year. Zip and Qantas have partnered to offer “fly now, pay later.”

Zip and Afterpay differs from other payment methods in which you may attach a debit card to your account quickly and use it for both in-person and online transactions. It does not require a credit check, unlike afterpay, and allows you to set the frequency of your repayments based on your preferences, whether it be monthly, fortnightly, weekly, or instantly.

Key Features

  • 0% interest, always.
  • $5 in late fees charged.
  • If you have no outstanding amount or pay the closing balance in full by the due date, the $7.95 monthly account charge is waived.
  • Minimum monthly payments of $40 are required.
  • You’ll have the option of making weekly, fortnightly, or monthly payments.
  • Zip allows simple in-store and online payments with your Apple Pay or Google Pay account, everywhere Visa is accepted.
  • Apply in minutes for up to $1,000 toward your daily expenses.
  • No establishment charge.



Bundll was introduced in 2019 and is compared to a “debit card on steroids.” Here, users can combine all of their usual expenditures, like groceries, into a single bill that can be settled in BNPL installments.

It primarily seeks to gain profit through the interchange and merchant fees. Standard users are not subject to credit checks, but upgrading to SuperBundll will involve a credit check as it grants you access to a number of advanced features.

Key Features

  • It doesn’t charge interest.
  • There is a $10 late fee if a payment is missed.
  • There are no establishment fees.
  • You can also take use of free “Snooze” capabilities that let you postpone payments for a period of two weeks. If there aren’t any free Snoozes, each one charges $2.50.
  • A “superbundll” can permit purchases up to $4,000 and the standard Bundll credit limit is $1,000. At a cost of 5% of the balance, this can be paid off over a period of 12 weeks.



With Brighte, you may upgrade your home right away and pay for it later. You can use the extensive selection of Brighte sellers to make 0% interest purchases.

If you are currently enrolled in a Brighte zero-interest payment plan, you can seek to repurpose your previous repayments or simply increase your credit limit. The sellers that are accessible through Brighte provide a variety of necessities for the home, including flooring, roofing, and solar panels.

Depending on the selected vendor, it provides a range of financing options. Its zero-interest options typically have periods of 6 to 60 months and range from up to $30,000 for owners.

Key Features

  • It offers homeowners 0% interest payment plans for purchases between $1,000 and $30,000.
  • There is a $1.50 weekly account-keeping fee that is included in biweekly payments.
  • Terms for repayment range from six to sixty months.
  • No unforeseen costs
  • A $4.99 late payment fee could be applied if you are unable to pay on time.
  • The maximum amount of late fines is $49.99 each year.
  • The approval procedure is quick, easy, and entirely online.
  • Flexible choices for repayment.

Paypal Pay in 4

Paypal Pay in 4

Australian clients who have a PayPal account in good standing are approved for PayPal Pay in 4 by PayPal Credit Pty Limited, and this option is only available to them at the point of sale.

However, if your PayPal account has a negative balance, there is a chance that the PayPal “Pay in 4” option won’t show up in the PayPal wallet. To determine if consumers can afford the loan, it uses its own data and analytics to do credit checks with an outside credit bureau.

The price of items between $50 and $2000 can be broken down into four interest-free payments, which include an initial payment and three automatically decreasing installments. The no-fee feature is only available in Australia.

Key Features

  • Charging no late fees for payments made on time.
  • There aren’t any up-front expenses, recurring expenses, or late fees.
  • ·The service might be halted by Paypal until the outstanding amount is paid in full.
  • Other Paypal services may also be suspended for protracted non-payment periods.
  • Paypal increased the maximum balance from $1,500 to $2,000 per account.
  • Pay in 4 equal monthly installments, interest-free.
  • PayPal only charges fees for currency conversions when making international purchases.
  • PayPal is accessible on both iOS and Android devices.



In Australia, a financial site like Afterpay called Openpay offers online financial services such as post-purchase payments. It offers lengthier payment options and other flexible plans in addition to being simple to sign up for.

Openpay is primarily created to enable users to pay for their products with 0% Interest instalments. Additionally, it provides trade administration and accounts through SaaS, or software as a service, for business-to-business clients like Woolworths.

Key Features

  • Permitting you to keep a balance of up to $20,000
  • Also available are flexible payment options.
  • Depending on the size of the purchase, it can be paid back in weekly or biweekly instalments over a period of two to 24 months.
  • It has no interest.
  • A $9.50 late payment penalty fee.
  • Plan administration costs of up to $5 per week
  • The fees for Openpay are restricted at $200 but might vary depending on the retailer and the size of the plan.
  • Register online, in-store, or through the app at the checkout.
  • Through the app, you may track payments and shop with partners.
  • No establishment and recurring charges.

Final Words: Sites like Afterpay Australia

You can quickly purchase something using Afterpay services and pay the balance for the item later. Buy Now, Pay Later services have simple interfaces, cheap, or no fees, and low or no interest rates.

We therefore hope that the information in the above article has help you to fully understand the top Afterpay alternatives in Australia.

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What are the buy now, pay later sites in Australia?

Afterpay and ZipPay are the market leaders and have the largest number of Australian participating retailers, but there are other options: Zip, Humm, Openpay, Brighte, Paypal pay in 4, and Bundll and more.

How does Afterpay work in Australia?

Afterpay pays the retailer upfront for the goods – and then the customer pays back to Afterpay. While you may get the instant gratification of your purchase, you’ll need to commit to making four fortnightly payments over eight weeks. These payments are of equal value for each order and are interest-free.

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