9 Top Sites like Perpay: Maximize Your Savings [2024]

Sites like Perpay are changing the way we shop and manage our finances. The Buy Now, Pay Later online marketplaces to allow us to spread out the cost of your purchases over time.

Thus, by providing interest-free installment plans, Perpay like websites are allowing individuals to make informed financial decisions and enjoy a more sustainable shopping experience.

Without further ado, keep on reading the article to know more in detail.

Zebit

Zebit is a marketplace that lets you buy now and pay for your purchases over six months. It offers a flexible payment option without any interest.

How does it work?

• Choose Zebit at checkout: Once you find something that you want to purchase, proceed to checkout and choose Zebit as your payment method. It’ll underwrite your purchase to ensure responsible spending.
• Make payments: You’ll need to make a down payment during the purchase and the remaining balance is financed at 0% for 6 months. So, the payments are usually split across the 6-month timeframe.

Requirements

• U.S. resident: You must be a U.S. resident
• Valid ID: Validate your identity, income, or employment
• 18 years or older: Must be over 18 years old
• Good Credit: It doesn’t require a FICO score but it checks different factors to determine your eligibility.

Affirm

Affirm is one of the best buy now, pay later services that lets you shop from your favorite stores and pay over time with flexible payments.

How does it work?

Choose Affirm at checkout: Shop from your favorite store and choose Affirm at the checkpoint under payment options.

Get approved instantly: If you are eligible, you’ll be approved immediately.

Make payments: Choose the payment option that works for you – either the 4 interest-free payments every 2 weeks or the monthly installments.  

Requirements

• U.S. resident: Be a resident of the U.S.
• Valid ID: Social Security number, phone number
• 18 years or older: Be at least 18 years old.
• Good Credit: It checks your credit history like your past payment history, credit usage, and the duration of your credit history.

Zip

Zip is a BNPL site like Perpay that offers flexible installment plans for your many purchases. It is partnered with various sellers and is available in multiple countries.

How does it work?

• Choose Zip at checkout: Create an account for free and choose Zip as your payment method when you are checking out.
• Get approved instantly: Zip will review your request and approve your account. Once you are approved, you can spend up to $1,000 to purchase goods either online or in-store.
• Make payments: Your installments are automatically debited through the selected payment method.

Requirements

• U.S. resident: Be a resident of the U.S.
• 18 years or older: You should be at least 18 years of age.
• Valid ID: Have a valid proof of identity, mailing address, and verifiable mobile number.
• Good Credit: Zip performs a credit check to check whether you are eligible to use their services.

Klarna

Klarna is another financial services platform where you can manage purchases, returns, and shipments, directly from the app.

How does it work?

• Choose Klarna at checkout: Once you are done with your purchase, you can pay with Klarna.
• Get approved instantly: Klarna will determine your spending limit by performing a soft credit check, personal information, and your purchase history and then approve.
• Make payments: After you make a purchase, you can choose from the following financing options – Pay in 3 interest-free installments or pay in 30 days or a 6 to 36-month loan.

Requirements

• U.S. resident: Be a resident of the U.S.
• 18 years or older: Be at least 18 years old.
• Valid ID: Have a valid bank account or bank card.
• Good Credit: It checks your credit history.

Sezzle

Sezzle lets you split purchases into interest-free installments. It is partnered with various sellers that offer the latest products in different categories.

How does it work?

• Choose Sezzle at checkout: Choose from over 47,000 brands and use Sezzle at the checkout as a payment method.
• Get approved instantly:  Once you sign up, you’ll get approved within a few minutes.
• Make payments: Make an upfront fee or first installment and split the remaining amount across three installments.

Requirements

• U.S. resident: Be a US or Canadian resident.
• 18 years or older: Be 18 years of age or older
• Valid ID: Valid email address.
• Good Credit: Sezzle conducts a soft credit check which doesn’t affect your credit score.

Afterpay

Afterpay is a popular platform that makes it easy to shop from your favorite brands while taking advantage of buy now pay later.

How does it work?

• Choose Afterpay at checkout: Browse through several stores and choose Afterpay as your payment method during the checkout process.
• Get approved instantly: Sign up for an Afterpay account and get approved within minutes.
• Make payments: Pay the rest of your payments over the next six weeks, each two weeks apart.

Requirements

• U.S. resident: Be a resident of the United States.
• 18 years or older: Should be at least 18 years old.
• Valid ID: A valid and verifiable address in the United States.
• Good Credit: It doesn’t perform any credit check, so people with no or poor credit history can access it.

Splitit

Like other platforms mentioned in the list of sites like Perpay, Splitit also allow you to pay for your purchase now and the remaining later.

How does it work?

• Choose Splitit at checkout: When you find an item you want to purchase, add it to your card and process it to checkout.
• Get approved instantly: Sign up and get approved instantly and make a down payment.
• Make payments: Payments are typically split across the 6-month timeframe until the plan is finished.                                                                                                                                 

Requirements

• U.S. resident: Be a resident of the United States.
• 18 years or older: Should be at least 18 years old.
• Valid ID: Have a valid ID card.

Paypal Pay in 4

With PayPal Pay in 3, you can shop from various stores and divide your purchase into three payments with no interest or any other fees.

How does it work?

• Choose Paypal Pay in 4 at checkout: Simply choose PayPal Pay Later option at the time of checkout
• Get approved instantly: Find out if you are eligible and get approved in seconds.
• Make payments: It lets you split your purchase into 4 interest-free, bi-weekly payments.

Requirements

• U.S. resident: Must be a resident of US but it is currently not available to residents of Missouri or Nevada.
• 18 years or older: Must be 18 years old or older.
• Good Credit: It performs a soft credit check, but it’ll not affect your credit score.

FlexShopper

FlexShopper is one of the best sites like Perpay that offers a flexible and easy way for you to own various things including electronics, furniture, appliances, etc.

How does it work?

• Choose FlexShopper at checkout: Browse from over 100,000 products from various leading retailers and choose FlexShopper at the time of checkout.
• Get approved instantly: You can get approved based on the product category or the payment method that best matches your credit profile.
• Make payments: Complete all your convenient auto-payment based on the terms of your agreement.

Requirements

• U.S. resident: Reside in the U.S.
• 18 years or older: Be at least 18 years old.
• Valid ID: Have a valid SSN, phone number, address, and a checking account in good standing.
• Good Credit: Although good credit is required, your income, time on the job, and other aspects can be affected.

Final Words

In conclusion, sites like Perpay and its alternatives are changing how consumers manage their finances and shop for goods.

However, every platform has its own set of requirements, benefits, and limitations, so you must choose the platform that best suits your financial situation.

So, explore these options and make informed decisions to enjoy a smoother shopping experience.

Frequently Asked Questions (FAQs)