5 Best Sites Like Affirm For Buy-Now Pay-Later Shopping

Affirm is a very popular and leading site for you to buy stuff and pay later. And Affirm offers various repayment options for any purchase you make. It doesn’t affect your credit score as it does a soft credit check instead of a hard one that involves a loan application. 

Okay, all together it has various features and is convenient. However, it’s still one of the best sites for buying now and paying later, not the only site. Therefore, there are many other sites like Affirm that give you more or less the same features or even more. 

So, if you are looking for its alternatives for any reason then this article will help you out in finding the best sites like Affirm. 

Best Sites Like Affirm List

Here are the best sites like Affirm that you can consider and buy your favorite stuff and pay later. 

1. Zebit

In our list of sites like affirm, the first spot has Zebit because of its good reviews and all the features it offers. 

Zebit is an online platform where you can buy items and pay over time i.e 6 months. The best of Zebit is it’s interest-free and offers credit up to $ 2500. So, whatever you buy your payment will be split into 6 months and these payments can differ counting on eligibility. 

sites like affirm

Electronics, computers, appliances, accessories, health equipment, etc are the categories of products it offers. 

Users can pay for the purchase made using a debit or credit card and also a zebit line. Zebit line is the credit of you have financing products. Also, to improve your Zebit line make sure that you have a good payment history.

Also, it has no membership or any other fees and doesn’t influence your credit score.  

For you to open an account you should be above 18, employed, or retired. 

2. AfterPay

Another among best sites like affirm is AfterPay that allows you to buy now and pay later. So here you can pay back in four installments i.e 25% each and these installments are due every two weeks for the date of purchase. 

sites like affirm

Pretty nice that you pay only 25% of the purchase and you receive your order just like regular pay. 

It focuses more on stuff like accessories, beauty, fashion, and homeward things so, one can search through their favorite brands. Yes, it is also interest-free and you can sign up for free. AfterPay is praised for its convenience and reasonable repayment plans and also reminders that help you pay on time. 

Moreover, you should also know that you will be charged an $8 late fee if you make your repayment late. 

3. Sezzle

Here comes another great one in the sites like affirm to buy things and pay over time. It’s got enough popularity in the past few years among millennials and Gen Z. Sezzle offers interest-free loans that vary relying on your history of repayment and your first purchase will have a smaller limit like $50 to $200. 

sites like affirm

Through sezzle loan, you can browse among 25000+ stores and you will need a credit or debit card and active bank account. 

However, once you have failed to pay, you are given a 48 hours deadline to clear the payment and if you don’t meet the deadline you are charged $10 and cannot place any new orders and Sezzle has limited customer service. Moreover, you can reschedule your repayment only once. 

4. ViaBill

This one’s also a nice site if you want to buy now and pay later. Like other sites with ViaBill also, one can split their purchase into four installments and pay them monthly giving you more time than other sites and is interest-free.

sites like affirm

You can purchase among categories like fashion, electronics, sports, etc and ViaBill has thousands of vendors so you will certainly find what you want. 

Moreover, it also has a dashboard that makes it real simple to manage all your purchases so that you buy and relish all your favorite stuff at a price that serves you. 

5. Splitit

Splitit is yet another decent one among sites like affirm. Just like other sites Splitit also doesn’t charge any interest and the purchase amount is split into four installments. The first one should be paid at the beginning itself and 3 others can be paid monthly. 

sites like affirm

Not only it is interest free but will also not charge any late fee. However, that doesn’t mean one can make the payment late; because Splitit will charge interest at the user’s card’s APR.

Nonetheless, Splitit has limited payment methods and retailers and accepts only Visa and MasterCard. Moreover, it doesn’t affect your credit score, has no fees, no application process, and can also make early payments. 


So, these were some of the best sites like Affirm that do not charge any interest and are free. Yeah, they help us buy things beyond our financial capability. However, it’s recommended that you make payments quickly as it doesn’t take much time to fall into the debt trap if you aren’t responsible enough. 

Hope the article assisted you and let us know if you have any questions regarding the same in the comment section. 

Also Read: Top 10 Apps Like Earnin To Cash Advances In 2021

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