Top 10 Best Afterpay Alternatives 2020 for Getting Instant Money

Many of us love to purchase products online, but sometimes we may go out of funds or have less cash for a filled purchase. Some may look for funds by doing so the offer for particular products is not missed out.

Afterpay is one such app that lends you instant money and allows you to purchase your favorite products without missing any discounts/offers. You buy now using Afterpay and repay it later for the product/service you like. You can be super fond of Afterpay but trying out some alternate apps like Afterpay is not going to waste your time.

Benefits of Afterpay

Afterpay is a wonderful option for those who look for pay later facility. Anyway, you need not have any particular reason to know or use apps like Afterpay; here are some best alternates for Afterpay that you can look into.

List of 10 Best Afterpay Alternatives 2020

Are you looking for the perfect alternative for AfterPay that allows you to purchase a product without paying the full amount at the time of purchase? Well, you are in the right place. Here in this article, we have listed the top 10 best AfterPay alternatives you can find in 2020.

#1: AirPay

AirPay is one of the best pay later options and alternatives to Afterpay that suffices your online needs of the product purchase or mobile recharges. It comes with few advanced features such as linking to your Virtual Mastercard or PayPal accounts. Moreover, it announces promotional offers and various schemes on a need basis. It is compatible with both Android and iOS and therefore can be used from any part of the world.

#2: Square Point of Sale

If you want to use pay later option in the physical stores, then the Square point of sale app is the best choice for you. The best part with the Square app is it accepts payment through cards as well. Say no to long-term contracts, huge commitments, and any hidden charges. You can run your business from the comfort of using your mobile phone. This app also caters to unique features such as card acceptance, applying promo codes and discounts, recording cash, maintaining real-time inventory, and sending e-receipts.

#3: Any Store-Split in 4

The name itself denotes that you can make a purchase anytime and pay it in easy four installments. But you cannot use it in online or physical stores where Visa cards play a primary role. Otherwise, this app can be trusted forever. Therefore with a simple sign up and card linking process, you are good to go with Split in 4 services. You buy and pay later in six weeks of time if using the app.

#4: Affirm

Affirm offers you the best pay later option you have experienced ever. It allows you to purchase from thousands of stores without any stress and gives you the privilege to choose your own payment options from the list. You can select the respective payment option and proceed with the checkout process.

#5: Split-it

If you are looking for the best installment options to pay for your Afterpay alternative, then Split-it is the uncompromising choice. The name denotes that split payment in split seconds, which is followed by the service. It does not ask for any credit checks, registration, or any application.


This app like Afterpay allows partial payment to be made first and the rest of the amount can be paid in installments. You may also feel light with partially making payments prior. has the most online purchasers and merchants as well. As a merchant, if you do not provide flexible payment options, you may lose customers.

#7: Sezzle

Sezzle tops by scoring 5 stars in consumer rating and review, as a great buy now pay later service. It allows customers to repay within 6 weeks in 4 payments without any interest charges. It charges $10 as a late payment fee for missed deadlines. Currently, Sezzle works with many online retailers to provide an interest-free payment for its customers.

#8: Klarna

Klarna has scored a low rating when compared to Sezzle, but it acts as a one-stop solution for your entire buy now pay later needs. It integrates all popular payment methods and saves money and time you invest in administration. Moreover, for people who are seriously concerned over their privacy can blindly prefer this Klarna. Klarna offers a digital credit card which can be named as Ghost Card.

#9: PayPal credit

PayPal credit operates similarly to other Afterpay alternatives. By using PayPal, you can able to access thousands of products worldwide. You can buy now and pay later over time based on certain conditions that apply. With PayPal, Credit can avail the benefit of paying for the purchase done over $99 for up to 6 months.

#10: Kiva

Kiva in many ways works like Affirm, the best app like Afterpay, that allows customers to decide their own payment options from the list of flexible options provided.


Apps like Afterpay can help you manage your temporary financial crunch. At the same time, you should also maintain your payment records properly to avail more benefits from the service provider.

If you found we missed out on anything similar to the AfterPay, well feel free to comment us or contact us by sending your mail. Our experts will crosscheck your message and update our blog content. We always love to deliver quality and worthy messages to our readers.

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