Buy Now, Pay Later (BNPL) solutions are revolutionizing consumer spending by offering interest-free installment payments and increased financial flexibility. Afterpay is a well-known leader in this space, but many other alternatives offer diverse features tailored for different regions, purchase sizes, and consumer preferences. The BNPL market was valued at over $150 billion globally in 2024 and continues to grow rapidly.
Here are the top Afterpay alternatives to consider in 2025, helping you choose the BNPL service that fits your lifestyle or business needs perfectly.
Key Factors to Consider Before Choosing a BNPL Provider
- Repayment Terms: Check if the provider offers short-term (4–6 weeks) or long-term (up to 36 months) plans.
- Interest & Fees: Some services are interest-free, while others charge APR or late fees. Read the fine print.
- Credit Impact: Know whether the provider runs a soft or hard credit check and if payments are reported to credit bureaus.
- Purchase Limit: Each BNPL app has different spending limits based on creditworthiness or payment history.
- Merchant Coverage: Ensure your favorite stores or platforms accept the BNPL service you’re considering.
- Flexibility: Look for features like rescheduling payments, choosing installment frequency, or auto-deductions.
- Customer Support & App Experience: A responsive support team and an easy-to-use app enhance the user experience with reliable customer support software.
List of Top Afterpay Alternatives for Easy Split Payments
1. Klarna
Website: https://www.klarna.com
Klarna is a leading global BNPL provider from Sweden, serving over 150 million users worldwide. It offers flexible payment options, including pay in 4 interest-free installments, pay later options, and longer-term financing.
Klarna’s app also serves as a shopping hub, helping users track purchases and discover deals. Its popularity stems from seamless user experience and buyer protection policies. Klarna has seen rapid adoption in the US, UK, and Australia, contributing to the BNPL market’s massive 20% CAGR.
Key Features:
- Pay in 4 interest-free installments
- Pay later options (up to 30 days)
- Financing up to 36 months
- Buyer protection and purchase tracking
- Extensive merchant network
Availability: US, UK, Australia, Europe, Canada
2. Affirm
Website: https://www.affirm.com
Affirm is a US-based BNPL service focusing on transparent financing with no hidden fees. Unlike typical BNPL providers, Affirm often offers longer repayment terms from 3 to 36 months, making it suitable for higher-ticket purchases.
In 2024, Affirm processed billions in financing across sectors like electronics, furniture, and travel. Its model includes clear APR disclosure (ranging from 0% to 30% based on credit) and no late fees, fostering customer trust.
Key Features:
- Transparent APR from 0% to 30%
- Longer repayment terms (3–36 months)
- No late fees or hidden charges
- Real-time credit approval
- Suitable for high-value purchases
Availability: US, Canada, limited international
3. Sezzle
Website: https://www.sezzle.com
Sezzle targets younger shoppers and those building credit with its interest-free BNPL service. It splits purchases into 4 payments over 6 weeks with a soft credit check that does not affect credit scores.
Sezzle’s innovative “Sezzle Up” program helps users improve credit history while promoting responsible spending. It has over 6 million users, primarily in the US and Canada, and is growing steadily with merchant partnerships across various retail categories.
Key Features:
- 4 interest-free installments over 6 weeks
- Soft credit check with no impact on credit score
- Credit-building program (Sezzle Up)
- Easy merchant integration
- Reschedule payments option
Availability: US, Canada
4. Zip (formerly Quadpay)
Website: https://zip.co
Zip provides flexible payment plans and works uniquely via a virtual card accepted in-store and online. As one of the popular Afterpay alternatives, it splits purchases into 4 interest-free payments over 6 weeks, with optional longer-term plans with interest.
Zip has expanded rapidly in the US, Australia, and New Zealand, offering over 2 million active customers the freedom to shop anywhere Visa/Mastercard are accepted. It appeals to omnichannel shoppers wanting flexibility across digital and physical stores.
Key Features:
- 4 interest-free installments or extended plans
- Virtual card usable in-store and online
- No late fees on standard plans
- Mobile app with payment tracking
- Broad merchant acceptance
Availability: US, Australia, New Zealand
5. Splitit
Website: https://www.splitit.com
Splitit distinguishes itself by enabling shoppers to split payments using their existing credit cards without applying for new credit or undergoing credit checks. Payments are spread over months, but interest or fees are only charged by the credit card issuer.
This model appeals to consumers who want BNPL convenience but prefer to maintain their credit usage. Splitit has partnerships with over 1,000 global merchants and supports major card networks worldwide.
Key Features:
- Split payments on existing credit cards
- No new credit checks or account setup
- No additional interest or fees from Splitit
- Works with Visa, Mastercard, Amex
- Suitable for users with credit cards
Availability: Global – US, Europe, Australia, Asia
6. PayPal Pay in 4
Website: https://www.paypal.com/pay-in-4
PayPal’s Pay in 4 service integrates with PayPal’s widely used platform, letting customers split purchases into 4 interest-free installments. It leverages PayPal’s trusted payment ecosystem and buyer protection policies.
With over 426 million active PayPal accounts globally, Pay in 4 offers a convenient, familiar BNPL option that benefits from PayPal’s fraud prevention and seamless checkout experience.
Key Features:
- 4 interest-free payments over 6 weeks
- Full buyer protection
- Instant approval via PayPal account
- Accepted by millions of merchants
- Easy to track payments in PayPal app
Availability: US (expanding)
7. Openpay
Website: https://www.openpay.co.in/
Openpay is a popular BNPL provider in Australia, offering flexible payment plans from a few weeks up to 24 months. It caters to higher-value purchases and industries like healthcare, automotive, and home improvement.
Openpay emphasizes transparent fees and customer-friendly terms, supporting merchants with industry-specific solutions. Its growth aligns with increasing consumer demand for longer-term payment plans beyond typical 4-installment models.
Key Features:
- Payment plans up to 24 months
- Transparent fees and no hidden charges
- Used in healthcare, retail, automotive sectors
- Online and in-store availability
- Merchant-specific customization
Availability: Australia, UK, US
8. Perpay
Website: https://www.perpay.com
Perpay is designed for consumers who face credit challenges or need strict budgeting support by linking BNPL payments directly to their paychecks, making it a viable option among Afterpay alternatives.
It requires no credit check and helps users purchase electronics, appliances, and other items affordably. Its unique paycheck deduction model reduces missed payments and builds credit, making it popular among underserved consumers in the US.
Key Features:
- Pay via automatic paycheck deductions
- No credit check required
- Designed for credit-challenged users
- Access to big-ticket items
- Credit building focus
Availability: US
9. Bread
Website: https://www.getbread.com
Bread offers BNPL financing focused on larger purchases, providing transparent interest rates and flexible payment terms tailored by merchants. Bread integrates with e-commerce platforms to offer simple application and approval processes.
It provides a mix of interest-free and interest-bearing loans, helping merchants increase order values and conversion rates while giving consumers manageable payment options.
Key Features:
- Transparent interest and fee structures
- Flexible payment schedules (3–36 months)
- Easy merchant integration
- Buyer protections included
- Suitable for big-ticket financing
Availability: US, Canada
10. ViaBill
Website: https://www.viabill.com
ViaBill is a European-based BNPL provider offering simple, interest-free installment plans primarily for online shoppers. It allows customers to pay in 4 installments over 6 weeks without fees if paid on time.
ViaBill has partnered with thousands of merchants, making it a popular choice for small to medium purchases across fashion, electronics, and lifestyle sectors.
Key Features:
- 4 interest-free payments
- No fees if paid on time
- Soft credit check
- Easy integration with e-commerce platforms
- Customer-friendly payment reminders
Availability: Europe, US
11. Humm
Website: https://www.shophumm.com/
Humm offers tailored BNPL solutions in Australia and New Zealand, with “Little Things” plans for small purchases and “Big Things” for larger items. It supports industries including retail, home improvement, and healthcare with flexible payment terms up to 24 months.
Humm’s dual offering appeals to a wide demographic by providing interest-free options for small spends and extended financing for bigger purchases.
Key Features:
- Little Things: interest-free for small purchases
- Big Things: longer terms with interest
- No deposit options
- Online and in-store availability
- Focus on diverse industries
Availability: Australia, New Zealand, UK
12. FuturePay
Website: https://www.futurepay.com
FuturePay provides revolving credit as a BNPL option, allowing consumers to carry balances and pay minimum amounts monthly. It stands out among Afterpay alternatives for users seeking more flexible repayment terms.
It offers flexibility beyond fixed installments, with instant approval and no penalty for early repayment. FuturePay is integrated with many online retailers, appealing to shoppers who want credit card-like features but with BNPL convenience.
Key Features:
- Revolving credit line
- Instant approval, soft credit check
- Minimum monthly payments
- No early repayment penalties
- Works with many merchants
Availability: US
13. Partial.ly
Website: https://www.partial.ly
Partial.ly is a payment plan platform that allows merchants to create custom BNPL plans tailored to their business needs. It supports interest-free plans, deposits, subscriptions, and flexible payment schedules, helping merchants improve cash flow and customer conversion.
Partial.ly integrates with major e-commerce platforms like Shopify and WooCommerce, offering versatility for various industries.
Key Features:
- Custom payment plans created by merchants
- Supports deposits and subscriptions
- Interest-free plans available
- Easy integration with Shopify, WooCommerce, etc.
- Flexible payment scheduling
Availability: Global
14. Laybuy
Website: https://www.laybuy.com
Laybuy, based in New Zealand, is a popular alternative to Afterpay that allows customers to split payments into six weekly interest-free installments. It features a mobile app for payment tracking and instant approval with soft credit checks.
Laybuy supports both online and in-store purchases, appealing to shoppers who prefer smaller, frequent payments to manage their budgets effectively.
Key Features:
- Six weekly interest-free payments
- Instant approval, soft credit checks
- Mobile app for payment management
- Accepted online and in-store
- Flexible budgeting tool
Availability: New Zealand, Australia, UK, US
15. Clearpay
Website: https://www.clearpay.co.uk
Clearpay is the UK and European version of Afterpay, offering the same 4-installment, interest-free payment plans. It’s a popular alternative to Afterpay for users in these regions.
It’s widely accepted across fashion, beauty, and lifestyle brands, providing a user-friendly app and payment reminders. Clearpay benefits from Afterpay’s global expertise while adapting to local market needs in the UK and Europe.
Key Features:
- 4 interest-free installments
- No fees if paid on time
- User-friendly mobile app
- Widely accepted among UK retailers
- Payment reminders and buyer protection
Availability: UK, Europe
Conclusion
The BNPL landscape is vibrant and competitive, with each alternative offering unique benefits. Klarna and Affirm are great for global reach and higher-value financing, while Sizzle and Laybuy focus on younger shoppers and flexible budgeting. For merchants, platforms like Partial.ly and Bread provide customization and financing versatility.
Choosing the right Afterpay alternatives depends on your payment preferences, purchase size, and merchant acceptance. With BNPL continuing to grow in 2025, exploring these options ensures smarter, more flexible financial choices.
FAQs
1. How is BNPL different from credit cards?
BNPL offers fixed, interest-free installments with no long-term debt or high fees, unlike credit cards.
2. Is it risky to use BNPL services?
Yes, if payments are missed, late fees or credit score impacts may apply always read the terms.
3. Can I use more than one BNPL provider?
Yes, but track your plans carefully to avoid payment overlap or overspending.
4. Do BNPL apps check credit scores?
Most use soft checks that don’t affect your score; some may do hard checks for large loans.
5. Which BNPL is best for global use?
Klarna, Splitit, and PayPal Pay in 4 are top global options with wide merchant networks.
