Affirm Alternatives (January 2026)

Affirm | Buy now, pay later with no late fees or surprises

With Affirm, you can pay over time at your favorite brands. No late fees or compounding interest—just a more responsible way to say yes to the things you love.

2.6/5

7,127+ reviews

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Shop with Buy Now Pay Later | Pay in 4 Installment Payments

https://sezzl

.com/

Sezzle allows you to buy now and pay later! Shop now, get what you need, and pay later in 4 interest-free installment payments over six weeks. Learn more!

Buy Now Pay Later with Zip - Shop online or in-store today

https://zi

.co/us/

Buy now pay later with Zip at millions of stores online and in-store. Download the Zip app and split nearly any purchase into 4 installments over 6 weeks.

Buy Now Pay Later with Afterpay

https://www.afterpa

.com/

Afterpay is fully integrated with all your favorite stores. Shop as usual, then choose Afterpay as your payment method at checkout. First-time customers complete a quick registration, returning customers simply log in.

Splitit | Installment Buy Now Pay Later Services for Business

https://spliti

.com/

Buy Now Pay Later in installments. Offer customers up to 24 months to pay using their own credit card, no hidden fees or added interest.

Credit Key - Superior B2B credit at point of purchase

https://www.creditke

.com/

Hundreds of leading merchants leverage Credit Key to offer their business customers greater access to capital with fast, flexible payment options including Net Terms and Pay Over Time.

PayPal Credit | Your Always-on Credit Line | PayPal US

https://www.paypa

.com/us/digital-wallet/ways-to-pay/credit-services/paypal-credit/

Shop in confidence with PayPal Credit. Your reusable credit line even features no interest if paid in full in 6 months. Check out the details and apply here.

EasyPay Finance | Customer Financing Made Easy

https://www.easypayfinanc

.com/

Customer Financing Made EASY. The Financial Win-Win for Business Owners & Customers...

Wisetack | Pay over time for real-life services

https://www.wisetac

.com/

Wisetack is monthly payments for real-life services, like HVAC, plumbing, electrical work, dental, auto repair, and more. With Wisetack, merchants can grow their business by giving their customers a better way to pay in just a few clicks.

SaaS Funding and B2B Flexible Payments | Capchase

https://www.capchas

.com/

Fast, non-dilutive financing for SaaS and B2B installment and flexible term payment options for your customers to reduce buying friction.