Loans Like Affirm

Looking for an alternative to Affirm? Discover 12 excellent choices for simple payment plans and flexible financing solutions. From interest-free payment plans to smooth checkout experiences, these platforms enable you to buy smarter and save more. Explore various alternatives to find the best fit for your budget and lifestyle.
Loans Like Affirm
Loans Like Affirm
Discover a world of handy payment options with 12 alternatives to Affirm, each with distinct features and perks targeted to your specific financial circumstances. Explore the best 12 alternatives to Affirm!
In this article

Affirm is the leading installment payment and Buy Now Pay Later (BNPL) service provider. Its customers get a loan for online or in-store purchases and split it into four installments. Since its establishment, Affirm has funded 17 million purchases. 

Through accessible applications at the checkout screen, fintech lending companies enable merchants to provide funding to their customers throughout their shopping experience.

Although each platform offers a different kind of financing, they all make it easier for customers to make larger, more expensive purchases, which boosts the profitability of the businesses that use them.

12 Best Loans like Affirm

Look for a solution that might assist you in shopping wisely and saving money rather than relying on BNPL services like Affirm. The top 12 substitutes for Affirm are listed below.

BeemUser-friendly interface for interest-free payment plans over time. consolidating debt or making a significant purchase, Beem provides a stress-free way to manage your money.
AfterpaySplit online and in-store purchases into four interest-free installments over six weeks.
OpenbayFlexible payment plans for online and offline purchases.
UpliftTransparent terms and competitive rates for interest-free payment plans.
PayPal CreditExisting PayPal users can split purchases into installments over weeks or months.
SplititUse existing credit card rewards and benefits while splitting payments.
Apple Pay LaterSplit payments directly from Apple devices with transparent terms and personalized interest rates (Apple users only).
SezzleSplit online purchases into four interest-free installments over 6 weeks.
GoCardlessBusinesses collect recurring payments through bank transfers or Direct Debit.
ViaBillPay for online purchases in four equal installments over time with no interest.
KlarnaCompare prices, find products, and split payments into installments with a vast network of merchants.
ZipInterest-free payment options for online and in-store purchases in four installments over six weeks.

1. Beem

Loans Like Affirm- beem

Beem offers flexible payment alternatives for online purchases, allowing customers to make payments over time without incurring interest.

With its user-friendly design and straightforward conditions, Beem offers flexible payment alternatives for online purchases, allowing consumers to extend payments over time with no interest.

Beem’s user-friendly interface and straightforward conditions offer a simple borrowing experience for consumers from various financial backgrounds. Whether consolidating debt or making a significant purchase, Beem provides a stress-free way to manage your money.

2. Afterpay

Loans Like Affirm - after pay

Afterpay works with thousands of brands online and in-store. Once you’ve purchased, you may spread the payment over six weeks in four interest-free installments.

This revolutionary payment platform stresses client convenience by providing a smooth checkout process and numerous payback choices. Afterpay allows customers to enjoy their goods instantly while extending payments over time without collecting interest. 

3. Openbay

Loans Like Affirm - open bay

OpenPay provides flexible payment plans for online and offline purchases, allowing users to pay in installments over a set period.

Openbay’s extensive merchant network and simple application procedure make it a handy financing solution for many customer demands. Whether shopping for necessities or indulging in indulgences, Openbay makes budgeting easy with flexible repayment options.

4. Uplift

Loans Like Affirm - uplift

Uplift operates identically to the other BNPL websites. Shop directly on Uplift’s partner sites to get what you want. Then, select a payment plan to split the entire cost into several installments.

Uplift focuses on openness and client pleasure and provides clear terms and competitive rates to ensure a pleasurable borrowing experience. Whether planning a trip or doing routine shopping, Uplift offers a flexible financing option suited to your requirements.

5. PayPal Credit

Loans like affirm - paypal

You may already be using PayPal for other purposes, but this company also has a BNPL feature that allows you to break up payments over weeks or months. Purchases from your favorite brands ranging in cost from $30-$1,500 are eligible for repayment. 

6. Splitit

Loans like affirm - split it

With Splitit, you won’t incur any added debt, interest, or hidden fees. Use the credit you’ve already earned on your current credit card to shop while enjoying the rewards, transaction insurance, and protection against fraud that is paying with your card offers.

7. Apple Pay Later

Loans Like Affirm- apple pay later

Apple Pay Later offers flexibility and convenience. It allows users to split their payments into manageable installments directly from their Apple devices. With transparent terms and personalized interest rates, it provides a seamless shopping experience for Apple users worldwide.

8. Sezzle

Loans Like Affirm - sezzle

The Sezzle mobile app allows you to buy and divide the payment into four interest-free installments over 6 weeks. Sezzle’s user-friendly layout and seamless interaction with leading online stores make it an easy choice for budget-conscious customers.

9. GoCardless

Loans Like Affirm - Go cardless

GoCardless offers recurring payment options to businesses, allowing them to collect consumer payments through bank transfers or Direct Debit. GoCardless’ automated payment collection technology simplifies cash flow management and lowers administrative costs for businesses of all sizes.

10. ViaBill

Loans Like Affirm - via bill

ViaBill provides flexible payment alternatives for online purchases, allowing users to pay in four equal installments over time with no interest. By extending payments over several months, ViaBill enables clients to budget wisely and make purchases without stressing their finances.

11. Klarna

Loans Like Affirm - klarna

Klarna saves you money by comparing costs on over three million goods across 6,000 retailers. With Klarna’s BNPL app, you can find what you wish to buy and then check out. Klarna’s vast network of partner merchants and unique offerings ensure a seamless shopping experience with significant savings.

12. Zip

Loans Like Affirm - zip

Zip provides interest-free payment options for both online and in-store purchases. Customers can make payments in four equal installments over six weeks. Zip’s simple application procedure and clear conditions enable clients to manage their finances and make responsible choices.

Top Loan Lenders for Bad Credit, like Affirm

  • When customers apply for financing, Klarna, Affirm, and Beem use soft credit checks rather than hard inquiries. Customers can feel less anxious about the application procedure because these credit checks won’t impact their credit score. The fact that Afterpay doesn’t run a credit check at all is a positive but comes with much fewer financing possibilities. 
  • Every one of these companies has a unique way of obtaining approvals because of their various loan sources. This modifies the rate at which customers are informed of approval. Fortunately, there is a commonality among these companies: they all provide almost instantaneous approvals.
  • Since a credit check is unnecessary, Afterpay applications are processed instantly. Customers must fill out their applications with the information they want, so it takes very little time to decline or approve a purchase. Because they exclusively work with one or two funding sources, Klarna and Affirm provide almost rapid approvals; an application must only proceed a little before acceptance or rejection.

Factors to Consider When Choosing a Lender

Selecting the appropriate lender is essential because many lenders offer different kinds of loans, and people are searching for various types of loans. While many people show interest in loans like Ace Cash, it’s important to weigh several considerations before choosing a loan product. Let’s examine a few things to consider while selecting a loan.

  • Rate of Interest: The interest rate offered is among the most important things to consider when selecting a home loan provider.
  • Conditions of Loan and Repayment Choices: Compare the terms and options for repayment offered by various lenders.
  • Charges & Fees: Examine the costs and fees related to the loans that each provider is offering.
  • Customer Assistance and Support: When dealing with a long-term financial commitment, the lender’s customer care and assistance degree is crucial.
  • Credibility and Reputation: Selecting a home loan company with a strong track record and credibility in the industry is essential. 


Beem looked at the top buy-now, pay-later applications to find the top businesses similar to Affirm. Every company was assessed according to its costs, APR, convenience of use, and the possibilities for repayment. We also examined the companies’ retailer networks and whether credit checks were necessary. 

In the face of financial uncertainty, utilize the Beem Super App, which provides a marketplace of the finest personal loans based on your financial circumstances. Use Beem to get tailored rates and look into personal loan solutions from industry experts ranging from $500 to $100,000.


Can I find loans like Affirm that don’t require a credit check?

You can qualify for Affirm financing even if your credit history is short. When deciding on a loan, Affirm takes into account a variety of other personal information elements in addition to your credit score. After making your purchase, you will receive monthly email and SMS reminders regarding your forthcoming payments.

Are there any lower-interest alternatives to Affirm and similar payday loans?

Payday loans ought to be reserved for extreme circumstances. You can instead receive a pay advance. You can obtain a personal loan or open a credit card account with 0% APR. Use your credit card to obtain a cash advance.

Where can I find reputable lenders similar to Affirm?

Sezzle and Klarna are reputable lenders similar to Affirm. Sezzle provides various payment options and access to an extensive network of brands, allowing customers to buy now and pay later. Klarna offers streamlined checkout experiences and payment plans across online shops, appealing to budget-conscious customers. These alternatives provide simple payment options and clear conditions, making them reliable possibilities for people looking for flexible financing solutions.

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Picture of Raman Gujral

Raman Gujral

An achievement-oriented professional, Raman has 10+ years of experience in B2B SaaS and B2C products across Fintech, Telecom, Digital Media, Social Media and Logistics domains. Defining and communicating product vision and strategy, product roadmap development, product positioning, and data analysis, he is also an expert in health insurance and personal loans content.


This page is purely informational. Beem does not provide financial, legal or accounting advice. This article has been prepared for informational purposes only. It is not intended to provide financial, legal or accounting advice and should not be relied on for the same. Please consult your own financial, legal and accounting advisors before engaging in any transactions.

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