What Are Other Companies Like Afterpay? 2023 List

Businesses are looking for strategies to keep customers interested and persuade them to spend more money as online shopping becomes increasingly popular. The only way online stores could achieve this is by Offering delayed payment on purchases.

You could be bothered about how to offer delayed payment on purchases. Nevertheless, we’ve got you covered on this. There are several companies out there, just like Afterpay, who are solely indebted to this service and are ready to help you out on this matter.

In this article, we will list several companies that offer the same services as Afterpay. Now let’s get started.  

what are other companies like Afterpay

What Is Afterpay?

Consumers can make weekly payments on products purchased until they have paid for all. While using AfterPay, a credit check is unnecessary, and there is no interest to pay.

Consumers can register for a free AfterPay account, purchase goods from specific online retailers, and then use AfterPay to make purchases. 

Afterpay Requirements are as follows:

  • The customer must be at least 18 years old and the authorized cardholder of a valid debit or credit card.
  • Purchases must be made for more than $35.
  • Consumers pay 25% of the whole cost upfront.
  • Customers may make four installments over two weeks until the full amount is paid.

List of Companies Like Afterpay

 Here is the list of companies that provides similar services as Afterpay:

#1. Venue

One of the companies like Afterpay is Venue.

In a relatively short time, Venue has emerged as one of the best premium marketplaces for consumers looking to purchase goods from some of the most well-known companies in the world.

These brands include various prestigious home, fashion, and electronics companies, Samsung, Apple, Sony, Prada, and Chanel.

Due to the flexible repayment options they provide, Venue stands out from the market. This guarantees that people can buy luxury goods when they previously have been out of their price range.

Venue continuously seeks to build its ties with significant brands, which guarantees that the selection of its products will continue to grow. They will constantly stock their consumers with the best and newest products.

Visit Venue here

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#2. Klarna

This company concentrates on online commerce just like Afterpay focuses on brick-and-mortar retailers.

Downloading the Klarna app for your smartphone is all it takes to start shopping. You can access online merchants partnered with Klarna when you visit their store. You can order any item, have it delivered, and pay for it in four interest-free installments.

If you’re worried about privacy, you can make what Klarna calls a Ghost Card. Although it’s connected to your actual debit or credit card, this digital credit card is a middleman between you and the merchant.

Through the Klarna app, you authorize a certain amount, which you subsequently pay with your Ghost Card. When the first four payments have been taken out, the Ghost Card expires. Each time you need to shop, you can make a new one. 

Visit Klarna Here

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#3. Paypal Credit

Another company like Afterpay is Paypal Credit.

People can access thousands of products by using Paypal’s global influence. You can use Paypal credit if you have a Paypal account. You have six months to pay the full amount of any purchase above $99 without paying interest.

Visit Paypal here

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 #4. Sezzle

Sezzle partners with various online merchants to provide four simple, interest-free payments over six weeks.

Compared to similar businesses, this prolonged period allows many customers to be sure they have the funds to pay for the item in full.

Visit Sezzle Here

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#5. Zip

One of the most well-known companies that offer buy-now-pay-later services is Zip, which collaborates with numerous shops. Similar to Afterpay, it is supported by many physical stores and online retailers. Also, just with Afterpay, you have access to a user-friendly app.

Any item you choose from a supported store can be purchased and brought home if your application for a Zip account is granted.

At the beginning of each month, Zip sends you a statement of your balance to pay. You have two options: pay in full upfront or stretch the payments out over a predetermined length of time without incurring interest.

Visit Zip Here 

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#6. Quadpay

Quadpay is another company like Afterpay.

Every store, split in four, is the snappy tagline used by Quadpay to describe its entire business model. Choose any item from a compatible store, then divide the total cost into four payments over the next six weeks.

Most people can make sure they can pay it off within this accommodating time frame, which puts much less strain on the household budget.

You can even use a Quadpay Visa digital credit card at any merchant who accepts it.

Visit Quadpay Here

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#7. Affirm

The way Affirm operates differs a little from the other services described above. Affirm allows you to spread out payments over a considerably longer time, such as 12 or 18 months. In contrast, services like Afterpay are often utilized for modest to medium-sized purchases. However, this flexibility means you’ll have to pay interest on those purchases.

Visit Affirm Here

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#8. Splitit

Shopping with partnered retailers is made simple by Splitit. All you have to do is select “Pay with Splitit” when checking out your cart. After logging in, the product will be added to your Splitit account.

The company makes it simple to select how you want to pay and how long a period you wish to use. You can decide to pay over a set time in installments and even divide the amount up to 24 installments.

Anyone can select a payment plan that fits their budget thanks to this flexible, interest-free payment option.

Splitit offers a user-friendly checkout method with tremendous flexibility, no interest, and a visually appealing website. This approach provides users with a simple means of navigating the world of “buy now, pay later” services.

Visit Splitit Here

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#9. Partial.ly

Another company like Afterpay is Partial.ly.

Partial.ly is a platform that helps businesses improve their cash flow rate by offering customers flexible payment plans. A retailer who joins Partial.ly has access to a customizable payment option that allows any of their customers set up recurring automated payments.

Some flexible payment options are geared toward customers, while Partial.ly adopts a different strategy. It provides various payment choices to businesses that genuinely want to improve their cash flow to attract customers.

There are no unstated costs, and while Partially charges transaction fees, everything is disclosed upfront and in full transparency.

Visit Partial.Ly Here

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#10. FuturePay

FuturePay is a wonderful alternative if you do most of your shopping online and want a flexible payment option over time. As the name implies, you buy and pay for a product later. The name says it all, and it couldn’t be any simpler.

FuturePay has no additional fees or conditions not disclosed with each charge. You can order products online and have them delivered to you.

Until the debt is paid in full, you can make a minimum monthly payment of $25 toward the purchase. You can also make a complete payment if you choose.

You can also extend the time it takes to make more payments if you need to since your house budget won’t allow it. A minor $1.50 fee is applied for each $50 unused credit you carry over into the following month.

The beautiful thing about FuturePay is that everything is honest and forthright. There are reasonable costs and flexible payment options. You get to decide when, how, and for how long you pay. As a result, it is a service worth using. 

Visit Futurepay Here

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#11. Viabill

Viabill is a fantastic substitute for people who reside in the US or Denmark. Also, Viabill allows you to pay for your item over four installments with a $300 initial cap. l Also, Viabill allows you to pay for your item over four installments with a $300 initial cap. However, Viabill charges the subsequent installments on the last banking day of each month rather than every two weeks. This provides you more time to accumulate funds and cover the full cost of each installment.

Similarly, Viabill doesn’t impose interest or additional costs. There are also no penalty fees because your registered payment method is automatically debited monthly. How is this feasible? In order for its merchants to allow installment payments, Viabill charges a fee.

As a result, shoppers can take advantage of interest-free installment payments with no conditions. You will undoubtedly appreciate your shopping experience with Viabill because there are over a thousand retailers to pick from.

Visit Viabill Here

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#12. Laybuy

Laybuy is another alternative to Afterpay. This service offers installment payments for a range of online and in-store shops and is available to residents of New Zealand, Australia, and the UK.

In contrast to After, Laybuy divides your money into six equal installments that are due every week. A penalty of $10 or £6 will be applied if you don’t pay on time.

This more stringent payment schedule guarantees that you can pay both the company and the retailers.

Laybuy is a fantastic option for folks short on money on shopping days but anticipates paying the entire amount quickly.

Visit Laybuy Here 

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#13. Littlewoods

One of the largest retail chains in the UK is Littlewoods. The company now offers several installment plans that it may customize to each customer’s unique needs to make shopping easier for its clients.

Firstly, it provides a Spread The Cost Interest-Free program that enables customers to pay for items in 20- or 52-week installments with 0% interest. The Buy Now, Pay Later option is the second choice. This lets you postpone payments for up to 12 months at a determined annual interest rate at checkout.

But you won’t be required to pay interest if you pay the entire balance before your delayed payment schedule concludes. Finally, Littlewoods provides a choice of interest-free installments on several furniture pieces. You can spread the expense over a 104-week or 208-week period.

Visit Littlewoods Here

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#14. Atokes

Atokes is another Afterpay substitute. This relatively new installment solution provides flexible credit limits and cost-spreading without interest.

Qualified members are evaluated based on their income proof and other pertinent papers. After that, Atokes gives each customer a monthly credit limit.

According to how effectively you manage your payments, you may receive up to 10 monthly installments after the initial six months of interest-free installments for new customers.

Imagine being given a credit limit of $100 per month and a maximum payback period of six months to understand this service better. This enables you to spread out your payments over six months and purchase things costing up to $600.

But, the intriguing thing about this Cypriot organization is that you may also make a down payment that will be subtracted from your total payment.

For instance, if you want to buy something for $750 but can only afford to spend $600 over six months, you can pay an initial sum of $150 and stay under your $100 credit limit.

Visit Atokes Here

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How Does Klarna Work?

The initial payment is made at the time of purchase, and subsequent payments are automatically scheduled every 30 days. With Pay in 30 Days, you have up to 30 days after the goods are shipped to make your purchase without incurring any interest or fees.

What Do You Need To Be Eligible For Klarna?

You must fulfill the following requirements to be eligible for Klarna:
You must be a citizen of the United States or one of its territories.
Must be at least 18 years old.
You must have an active bank account or credit card.
Your credit history must be good.
You must be able to receive verification codes via text.

Does PayPal permit credit borrowing?

PayPal Working Capital is a commercial loan with a single, manageable set cost. A portion of your PayPal sales is used to repay the loan and charge (minimum payment required every 90 days). There are no ongoing interest fees, regular bills, fines for late payments, penalties for early payments, or any other fees.

Who can be eligible for Afterpay?

Each state has requirements for who is qualified to use the Afterpay program, and the service is available in Australia, New Zealand, the USA, and the UK.
Yet, generally speaking, you must be at least 18 years old or of legal age in your place of residency to sign a contract. A credit or debit card must also belong to you as the authorized holder.
Also, having a working phone number, email address, and delivery address in your state of residence could impact your eligibility.

Is There a Limit to Afterpay?

Yes. Afterpay establishes certain spending limits to encourage prudent spending.
Sellers and retailers can establish restrictions per transaction on their shops using Afterpay. The cap is set at $1,500. The company also established a $2,000 maximum overdue limit, but only individuals with great payback habits can use it.
New users are only permitted to place one order during the first 24 hours, regardless of how many they place.


It might be challenging to maintain a family budget in this twenty-first century. However, many people have tight budgets and are constantly hunting for deals. Given this, a flexible payment method that enables anyone to purchase the goods they need now and pay for them later is made available through companies like Afterpay and others listed in this article.

Nonetheless, flexible payment periods are always appreciated in a time of high unemployment and frequent bill-paying struggles. This benefits both customers and businesses by giving everyone a more flexible payment plan.

However, we have provided a list of companies that can help with flexible payment plans anytime you shop from registered online retailers. So therefore, we implore you to carefully read this article as it is composed to satisfy your interest. 



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