7 Best Apps Like Sezzle (Top Companies)

Updated: January 1, 2023
Apps like Sezzle

Sezzle has been exploded all over the internet. You will see it at most online or in-store retailers while placing an order. Sezzle claims to be one of the highest-rated payment apps that let you pay in four installments over six weeks, without interest.

But it’s not the only app to make it to the top, as we’ve cast around a few other apps like Sezzle to help you control your cash flow.

Since the advent of “buy now, pay later platforms,” credit cards have become a second option for shopping, as such companies offer more flexibility in terms of payments. So without any further ado, let’s jump straight to the best apps like Sezzle. 

Apps like Sezzle (Best Companies)

Afterpay (other apps), as the name suggests, works with thousands of online and in-store retailers. It houses all sorts of categories, ranging from jewelry, health, entertainment, and fashion, to name a few.

It allows you to split payments into four parts and pay them over six weeks without interest. If you pay on time, you don’t have to worry about the late fee, which is not more than 25% of your order value. 

To make sure you never miss a beat, it sends you regular reminders for each installment due that you can pay manually or with automatic payments.

There is a 10% fee in case you stop paying; also you cannot purchase any other product with it until you reimburse all the due fees. 

Getting started with this platform is as easy as you may think. To shop in-store, all you need to do is activate your Afterpay card, and it will show nearby shops that accept Afterpay.

And to shop online, simply window-shop your favorite stores and choose Afterpay as your payment method. Not only does it offer payment flexibility, but it also offers various rewards for responsible spending. We have also listed the best Afterpay companies that you can explore.

  • Pulse reward program.
  • No interest, credit check, or monthly fee.
  • Automatic repayments.
  • A plethora of stores and categories.
  • Instant approval process.
  • Late fees and halt shopping.
  • Can minimize your chances of getting a loan.
  • Spending limit.
zip app-min

Zip previously Quadpay.

Zip (Previosuly Quadpay) is the most popular Buy Now Pay Later platform. Launched in 2017, it has already racked up more than 7 million shoppers around the world.

It allows you to shop at your favorite store and pay in-four over six weeks without any interest.

When you’re shopping with Zip, you get exclusive offers on various products. Besides shopping, the platform literally lets you book a trip, pay bills, and much more.

Just choose your favorite item in the app or on other websites, and tap to pay with Zip at checkout.

Some of the popular online retailers that have recently integrated Zip are Newegg, Gamestop, Fanatics, H & M, Amazon, Mercari, and the list goes on. The best part is that it’s a soft credit pull, so your credit score will have no impact whatsoever. 

With no API required, it is quite easy to integrate into your store in just 10 minutes. On the flip side, the platform charges a $1 convenience fee per installment, and users have to pay an upfront fee of 25% at the time of purchase.

On top of that, it offers down payments on various products in case your approval limit stays below the product cost. 

  • No interest and monthly fee.
  • Offers a spread-out payment schedule.
  • Early and automatic payments without fees.
  • Supports tons of popular online sites, app, and in-stores. 
  • Hassle-free integration for merchants. 
  • Available on cross platforms: chrome, web, and apps. 
  • Potential late fees might affect your credit score.
  • Purchase approvals for each new order.
  • Spending limits.
  • Difficult Refunds. 

Discover: Best Pay Later Apps Like Quadpay and Klarna

Do late fees bother you? Affirm has your back. It is one of the best “buy now pay later” companies like Sezzle that doesn’t charge more than what you see upfront, allowing users to pay over a 12-month period with three installment amounts.

It can charge interest on most products depending on the credit, and users have to make a down payment for the initial installment due. 

The downside of using this platform is that it may affect your credit score when you purchase with it or when you have a payment history, so it is always good practice to pay on time to maintain a healthy credit score.

Before you can buy a product with Affirm, you need to be prequalified for the credits you’re eligible to spend with Affirm. 

Besides, it provides a virtual debit card that you can use at checkout; when the Affirm logo is not available, the debit+ card will get the job done.

It works with a wide range of online and in-store shops, including Expedia, Adidas, Nike, Goat, Dyson, and many more. It is sitting at over five million downloads on the Android and iOS stores, with a whopping 4.8 rating.

  • No monthly fees, late fees, and prepayment fees.
  • Buy and pay off in four easy installments across 12 months. 
  • Comprehensive list of products and stores to choose from.
  • Soft credit inquiry.
  • A Saving account offers around 0.50% APY.
  • 0-25% interest.
  • No reward program.
  • Missed late payment fee.
  • 25% down payment due on your first purchase.
  • Must contact the merchant for a refund. 

It offers pay-in-four interest-free installments services around the world. Founded in 2005, Klarna has become one of the best pay later platforms, with nearly 4 million monthly active users and rising.

Not only is it available worldwide, but it also allows users to pay straight from their desktop, Chrome extension, and app. Due to payment flexibility and an easy approval process, it is the best bet. 

What’s the catch with Klarna? You will never pay more than what you see at checkout unless you have late fees.

Besides, it has an easy approval process that requires a soft credit pull, and many times users are approved with no credit history at all. To start, shop anywhere in the app, and select the payment method at checkout to pay later, interest-free. 

Best of all, you can pay early or extend the due date without any further cost with its “pay in 30 days” option. On the flip side, it charges a fee for a missed monthly payment that does not exceed 25% of your order value

It always keeps you in the loop by sending notifications so you don’t miss your monthly or biweekly dues. Apart from online shopping, its digital card offering gives you the flexibility to shop at physical stores too—just create a card and tap to pay at your favorite store. Unquestionably, It makes the best alternative, giving you exposure to top brands with flexible payment terms.

  • Pay in four installments over six weeks without interest.
  • No membership or prepayment fee.
  • Soft credit pull.
  • Flexible payment options.
  • Available on cross platforms.
  • Widely accepted at any U.S. retailer accepting VISA.
  •  Missed repayment or late fee.
  • Doesn’t build your credit.

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Splitit makes it easier for users to shop at thousands of online retailers and pay for them in four easy installments over time. Launched in 2012 in New York, the company has a customer base of nearly 432,000 users with a total of $345 million in sales volume alone in 2020. 

It’s a global payment company available in more than 30 countries, including the U.S, the U.K, Australia, Canada, China, and a few more. 

Almost 1.8 billion cardholders can shop with Splitit without jumping through any hoops. Using it is as simple as putting in your card details (Visa or Mastercard) and tapping to checkout. There is no catch. Of course, you have to choose your product and select a number of payments that suit your budget

There are no fees, deposits, credit checks, interest, or applications required to pay later on your product. All you need is your existing credit card with some balance.

However, so many merchants only accept credit cards, so it’s a big hassle for those who use debit cards. Splitit has some weight over Afterpay or other similar apps that don’t reward you for shopping with credit cards. Splitit does. 

Hundreds of well-known standalone online stores accept Splitit, such as Purple, Nectar, Canyon Bicycles, and more. In terms of more massive brands like Amazon or ASOS, it’s still early to catch on to that track. 

  • No fees, interest, or deposits.
  • No credit check.
  • offers credit points.
  • flexible monthly terms.
  • straightforward to use.  
  • No giant stores like Amazon or eBay. 
  • Limited store inventory. 
  • Late payments interest at your card APR. 
  • limited payment options compared to financing companies like Klarna. 

We have all used Paypal to send or receive money at least once in our lives. It’s a global payment company launched in 1998 to make online transactions secure and easy. Now, it is more feature-packed and has enhanced security that is impossible to breach.

Moving to pay later, Paypal integrated Pay in Four in 2019 to help its users pay in divisions at selected merchants accepting Paypal as a payment source. To shop, look for the Paypal pay later logo during the transaction, and tap to fill out details to confirm the order. You have to pay down the first installment at the time of sale, and the other three payments are made every two weeks without any interest or fees.

If you miss a payment, there is up to a $10 fee per missed installment in most states. With Paypal BNPL, eligible users can buy products within the value of $30-$1500 at selected online stores. Some of the popular retailers accepting Paypal Pay later are Target, Asos, Walmart, Bestbuy, and Bose, to name a few.

It is supported by millions of stores that take Paypal payments, and the approval decision is also instant for users. However, compared to other similar apps, it has limited purchase value and repayment plan options, which is a bummer.

  • No additional cost or interest.
  • Millions of retailers accept Paypal around the world.
  • Doesn’t impact a credit score. 
  • easy and secure. 
  • Purchase value is capped at $1500.
  • Up to $10 per missed payment fee (not allowed in many states).
  • Less flexible repayment terms.

Fix: Paypal App not working? (Simple Solutions)

Zebit app-min


Zebit allows you to shop over thousands of top brands and pay in four split payments over six months. It’s an easy-to-use and secure marketplace founded in 2015 in San Diego, making it easier for consumers to buy and pay back hassle-free, with an elevated shopping experience.

This company is the holy grail for cash-strapped people living paycheck to paycheck. Unlike high-interest credit cards, Zebit waives no interest or fees for using its service. Instead, it allows users to buy high-ticket products at flexible payment terms. 

The app houses more than 1,500+ top brands like Samsung, PlayStation, Macy’s, and Apple, to name a few. Not only can you buy branded items interest-free, but you also don’t pay any hidden fees tied at the point of sale.

However, if you don’t pay or miss any payment, you cannot purchase any further until each payment is made. Zebit offers up to $2,500 in maxed-out credit. The only caveat is that the company offers credits based on your income and identity, as it won’t pull your FICO score.

To get started, hop in a slew of information at signup. If approved, you’ll be able to see the spending limit that you can use in the Zebit marketplace. You need to pay down the first installment fee of around 20%–30% of the total product amount at checkout. 

To sum up, Zebit is a great BNPL company with access to over 1,500 top brands and a decent spending limit. And no late fees or membership fees are just the cherries on top. 

  • No membership fees, interest, or late fees. 
  • Hundreds of top-class retailers
  • up to a $2,500 spending limit.
  • Users can pay in four splits over six months. 
  • Flexible repayment terms.
  • An approval process is not easy. 
  • Difficult return process.
  • Expensive items compared to other competitors.

Wrapping up

We have piled up a few apps like Sezzle that offer flexible repayment payment options at the checkout. From booking a hotel to ordering food or fashion stuff, these have got you covered.

All the listed apps let you purchase a product and pay later without any interest, monthly, or prepayment fees. Since they are not lending companies, your credit score will have no impact.

However, you may have to pay a small initial down payment to secure a sale and finalize the order. And if you are a merchant trying to increase sales or provide flexible payment methods to your customers, these apps can do wonders. 

Avatar for ankit raghuwanshi
By ankit raghuwanshi
He is an editor-in-chief, an admin, and the guy who kickstarted TheAppFlow. He often wraps his head around personal finance or fintech apps and never shies away from learning new things that he can share with people to streamline their wealth.