8 Apps like Zip: Top Buy Now Pay Later Alternatives [2024]

From interest-free installment plans to personalized spending limits, the Buy Now, Pay Later services cater to a variety of requirements, offering a seamless shopping experience.

If you are someone who’s looking for a flexible payment solution to spread the cost of your purchases, you’ve come to the right place.

Beyond Zip, there are several popular BNPL options that offer a hassle-free way to manage your finances. So, check out the article below and stay updated with the top apps like Zip that revolutionize the way we shop.

Afterpay

Afterpay is one of the top buy now pay later services that lets you make purchases now and pay for them in four interest-free installments without incurring any interest fees or impacting your credit scores.

• Availability: Australia, United States, Canada New Zealand, and the United Kingdom
• Expected Limit: $35 to $1500
• Credit Check: Soft
• Late fee: Capped at 25% of the original order value

How to Sign up?

Get started with Afterpay by downloading the app, and creating an account by providing your details like phone number, name, date of birth, and email address.

Then, link your debit or credit card, get your identity verified within a few minutes, and start shopping at your favorite retailers.

Klarna

Klarna is a super-friendly flexible payment option that caters to customers who wish to shop without instantly paying for their purchase.

• Availability: Australia, United States, United Kingdom, Canada, etc.
• Expected Limit: $35 to $1000
• Credit Check: Soft
• Late fee: For purchases over $200, the maximum late fee you’ll incur is $24

How to Sign up?

After you create an account and choose Klarna as your payment option during the checkout process, you can choose the payment plan that best suits your requirements.

You can either pay in 4 or opt for monthly financing, which may be limited based on your location and the seller.

Sezzle

Sezzle is another BNPL service that lets you purchase items immediately and pay for them over time through interest-free installments.

• Availability: Australia, United States, and Canada
• Expected Limit: $500 to $1000
• Credit Check: Soft
• Late fee: $10

How to Sign up?

Get started with Sezzle by creating an account and filling up your details. You’ll also need to add a valid Australian credit or debit card to fund your payments.

Then, you can either choose from the pay in 2 or the pay in 4 options. Whether it’s monthly payments or 4 payments over six weeks, Sezzle gives you the flexibility that suits your requirements.

Humm

Whether shopping in-store or online, Humm is a BNPL platform that offers a flexible way to manage your expenses by allowing you to make purchases on and pay them off in interest-free installments.

• Availability: Australia, Canada, Ireland, UK
• Expected Limit: Up to $5000 for online and $30,000 for in-store shopping
• Credit Check: Soft
• Late fee: $6

How to Sign up?

Before creating an account, ensure that you are eligible to use Humm. If so, create an account by entering your details and choose Humm as your payment option during the checkout process.

You can choose to repay by either selecting monthly repayments for up to 72 hours or fortnightly, based on the seller’s terms.

Paypal Pay in 4

Paypal Pay in 4 is an interest-free installment loan offered by Paypal to eligible customers. It lets you divide your purchase into four equal payments, making it seamless to manage your finances.

• Availability: Australia, US, UK, Germany, France, Italy, Spain, and France
• Expected Limit: $30 to $2000
• Credit Check: Soft
• Late fee: No late fees

How to Sign up?

If you are eligible, the Pay in 4 option will appear as a payment method if the option is available for the specific merchant, and when you apply, you’ll get a decision within seconds.

Remember that all goods and services might not be available and sometimes, some items might not be eligible for the Pay in 4 option.

Laybuy

Laybuy is another popular app like Zip that lets you make purchases at thousands of retailers across the world, either in-store or online, and lets you spread your purchases over six weekly installments.

• Availability: Australia, New Zealand, and the UK
• Expected Limit: $120 to $1200
• Credit Check: Soft credit check
• Late fee: $10

How to Sign up?

To get started with Laybuy, sign up by providing your details like date of birth, full name, address, and driver’s license number, and get approved.

Once approved, you can shop in-store or online and choose Laybuy during the checkout process and the products will be delivered to your door.

Brighte

Unlike other apps like Zip mentioned in this article, Brighte is a unique financial platform developed to make home and energy enhancements easily accessible. It aims to empower homeowners to invest in sustainable solutions like energy-efficient appliances and solar panels.

• Availability: Australia
• Expected Limit: $1000 to $30000
• Credit Check: Soft credit check
• Late fee: $4.99

How to Sign up?

Singing up for Brighte is really easy. Simply check out a vendor that is authorized by Brighte and choose Brighte as a payment method.

If you are eligible, you’ll need to complete a 0% interest payment plan application and get approved. Once approved and installation has been done, your automatic biweekly repayments will start.

Payright

Payright is another convenient payment platform that lets you spread the cost of your purchase over time for various things. From renovating your home to indulging in beauty treatments, it offers flexible payment plans that suit your budget.

• Availability: Australia and New Zealand
• Expected Limit: Up to $20000
• Credit Check: Soft credit check
• Late fee: Up to $12.95

How to Sign up?

Once you decide on what you want to buy, make a quick application on your device and apply within minutes. Then, get an instant decision on whether you are eligible.

If you are approved, you can start your Payright repayment plan, which can be for 2, 3, 6, 12-18, 24-36, or 48-60 months.

Conclusion

All the apps like Zip allow you to make informed purchasing decisions by splitting the cost of your purchases over time. However, it is important to consider factors like repayment terms, interest rates, and other fees before choosing an app.

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