As we all know that afterpay is one of the leading buy now pay after sites in USA and Australia as they help you shop at your comfort and pay at your own time, But the truth is afterpay is not the only buy now and pay after website. There are tons of sites like afterpay out there. You can read our intensive full guide on afterpay and how it works here.
If you want the list of afterpay alternatives then this blog post might prove vital to help you picking the best sites like afterpay that you can try out when next you go on a shopping.
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1. Quadpay
Quadpay is more or less a direct afterpay alternatives in that you pay in four installments — except you have six weeks to pay. It works through a mobile app you can download from Google Play or the App Store.
Quadpay works a little differently in that it assigns each user a spending limit — and it also charges 25% of the purchase amount at the time of transaction. Keep in mind that Quadpay evaluates approval based on each individual purchase. So if you’re over your limit or it determines the purchase doesn’t meet its guidelines, you could be denied.
2. Klarna
Klarna is a site like afterpay that is more focused on online commerce unlike Afterpay that is often focused on brick and mortar retailers. Shopping with Klarna is as simple as downloading their smartphone application. When you browse their store, you get access to many online retailers who have partnered with Klarna. You get to choose any product, have it shipped to you, and pay for it in four interest-free installments.
If you’re concerned about your privacy, you can create what Klarna calls a Ghost Card. This digital credit card is linked to your real debit or credit card, but acts as a layer between you and the retailer.
You authorize a dollar amount, and then pay with your Ghost Card through the Klarna application. The four payments are deducted and then the Ghost Card expires. You can create one each time you need to shop.
3. Pay It Later
As an Afterpay alternatives, Pay It Later offers Australian Shopper a fast integration process with pre-built plugins, one-on-one support that most customers rave about, and a safe and secure (PCI-DSS compliant) payments back-end to securely handle your customer data.
Pay It Later was founded in Q1 2019 and have since then been growing fast. We’re bringing retailers on-board, helping them increase conversions and bring customers back. We’re privately owned and funded so we can take the time to do things properly.
4. ZipPay
ZipPay functions as a site like Afterpay, charging a small percentage of the total order value to the merchant. The difference here is that ZipPay is designed for smaller purchases (under $1000). ZipPay has no fixed instalment payment plan, which means a customer can choose to pay via weekly or monthly instalments. Customers are required to pay at least $40 a month for their purchases.
5. Affirm
Affirm is another payment service that boasts it charges no late fees. Like the other sites like afterpay, it won’t strike your credit with any hard inquiries. Each time you apply to make a purchase with Affirm, it runs a soft pull on your credit to determine whether or not you’re approved.
But as with all buy now, pay later sites, missing or making a late payment could hurt your credit score or affect your eligibility for future financing.
6. Sezzle
Sezzle is a site like afterpay that works with a wide variety of online retailers to offer you four easy interest-free payments spread out over six weeks.
This extended time gives many people the ability to ensure that they have the money to pay off the item in full, and may be preferable to some other similar services.
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Conclusion On Sites Like Afterpay
When you are using a “buy now, pay later” site like Afterpay you always afford the things you need almost immediately while you wait for your next paycheck. Just keep in mind that you’ll need to make regular payments on time for everything you buy, so don’t get caught up in the “I’ll cross that bridge when I get to it” mentality when financing.
