{"id":40816,"date":"2025-09-04T09:09:02","date_gmt":"2025-09-04T14:09:02","guid":{"rendered":"https:\/\/www.miamiherald.com\/banks\/?p=40816"},"modified":"2025-09-24T23:00:29","modified_gmt":"2025-09-25T04:00:29","slug":"apps-like-affirm","status":"publish","type":"post","link":"https:\/\/www.miamiherald.com\/banks\/finances\/apps-like-affirm\/","title":{"rendered":"Apps Like Affirm: Alternative BNPL Payment Apps"},"content":{"rendered":" <p class=\"wp-block-paragraph\">In the last few years, buy now, pay later (BNPL) apps have exploded in popularity, with companies like Affirm leading the way. In fact, according to EMARKETER, the number of BNPL users is expected to exceed 100 million in <a href=\"https:\/\/www.emarketer.com\/content\/us-bnpl-user-growth-continues-through-2028-slows\" target=\"_blank\" rel=\"noreferrer noopener\">2027<\/a>. However, Affirm isn\u2019t the only option out there. Whether you\u2019re looking for interest-free payments, flexible payment plans, or tools to track your spending habits, competitors like Sezzle, Klarna, and Afterpay offer similar features\u2014each with their own strengths, drawbacks, and fees to watch out for.<\/p> <p class=\"wp-block-paragraph\">Here\u2019s a closer look at three popular apps similar to Affirm, and what you should know before you choose one.<\/p> <p class=\"custom_key wp-block-paragraph\"><strong>Key Takeaways<\/strong><\/p> <ul class=\"wp-block-list custom_underline\"> <li><strong>Affirm Isn\u2019t Your Only BNPL Option:<\/strong> Sezzle, Klarna, and Afterpay all offer competitive ways to split purchases into manageable installments.<\/li> <li><strong>Short-Term Plans Are Often Interest-Free:<\/strong> Most providers let you make four interest-free payments as long as you stay on schedule.<\/li> <li><strong>Long-Term Financing Comes with Interest:<\/strong> Affirm, Klarna, Sezzle, and Afterpay\u2019s Pay Monthly all charge interest rates on extended plans.<\/li> <li><strong>Credit Checks are Usually Soft:<\/strong> Signing up <a href=\"https:\/\/www.miamiherald.com\/banks\/finances\/does-buy-now-pay-later-affect-credit-score\/\">won\u2019t hurt your credit<\/a>, but some monthly installment plans require a credit check.<\/li> <li><strong>Fees Vary by Provider:<\/strong> Afterpay caps late fees, Klarna charges modest ones, and Sezzle may include small fees for reschedules or virtual cards.<\/li> <\/ul> <h2 class=\"wp-block-heading\" id=\"h-sezzle-flexible-installments-with-credit-building-potential\"><strong>Sezzle: Flexible Installments with Credit-Building Potential<\/strong><\/h2> <figure class=\"wp-block-image aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"806\" height=\"804\" src=\"https:\/\/www.miamiherald.com\/banks\/wp-content\/uploads\/2025\/09\/Apps-Like-Affirm-info.png\" alt=\"Sezzle approval\" class=\"wp-image-40820\" srcset=\"https:\/\/www.miamiherald.com\/banks\/wp-content\/uploads\/2025\/09\/Apps-Like-Affirm-info.png 806w, https:\/\/www.miamiherald.com\/banks\/wp-content\/uploads\/2025\/09\/Apps-Like-Affirm-info-300x300.png 300w, https:\/\/www.miamiherald.com\/banks\/wp-content\/uploads\/2025\/09\/Apps-Like-Affirm-info-150x150.png 150w, https:\/\/www.miamiherald.com\/banks\/wp-content\/uploads\/2025\/09\/Apps-Like-Affirm-info-768x766.png 768w, https:\/\/www.miamiherald.com\/banks\/wp-content\/uploads\/2025\/09\/Apps-Like-Affirm-info-280x280.png 280w\" sizes=\"auto, (max-width: 806px) 100vw, 806px\" \/><\/figure> <div class=\"coupon-container discountcode_func_stores_taxonomywise\"><input value=\"https:\/\/www.miamiherald.com\/banks\/finances\/apps-like-affirm\/\" name=\"cpageurl_hidden\" id=\"cpageurl\" type=\"hidden\"><div class='coupon_code_list_outer other_sc test2'><div class='coupon_code_list cvf_universal_container'><div class='ajax_loader_sort' style='display:none;'><\/div><div id='coupon_search_results' class='coupon_search_results'><input type='hidden' id='hidden_term' value='sezzle-promo-codes'><div class=\"sticky-coupons\"><div class=\"coupon_main show\" data-code=\"15AMZSezzle\" target=\"_blank\" rel=\"nofollow\" data-brand=\"BNPL\"><div data-time=\"\" data-type=\"renewal_type\" id=\"cc_40896\" dataid=\"40896\" class=\"coupon_code test6 cc_PostID_40896 ccDiscType_Coupon_div aa\"><div class=\"coupon_main-img\"><div class=\"coupan-thumb f\"><img width=280 height=280 src=https:\/\/www.miamiherald.com\/banks\/wp-content\/uploads\/2025\/09\/Untitled-design-5-280x280.png alt=\"Untitled-design-5-280x280\" sites-confirm=\"Live site\"><\/div><\/div><div class=\"coupon_main-title\"><div class=\"coupon_main-title_inner\"><p class=\"coupon_main_heading\">Save $15 on Your First Amazon Purchase via Sezzle App<\/p><\/div><div class=\"coupon_main-used\">4 uses today <\/div><div class=\"coupon_main-expire\"><span>Expires in 2 days<\/span><\/div><div class=\"cc_time_ago\">Last Used: 2 hours ago<\/div><\/div><div class=\"coupon_main-btn\"><div class=\"coupan-content thepopup_Box\"><div class=\"codecontent\"><\/div><\/div><div class=\"coupon_getdeal test4\"><a class=\"redirectTo\" target=\"_blank\" post-id-value= \"40896\" new-url-orignal= \"\" get-new-url-string = \"\" get-affi-staging=\"https:\/\/www.miamiherald.com\/banks\/recommends\/sezzle\/sezzle\/\" get-correct-or-not= \"its correct\" get-home-tes=\"https:\/\/www.miamiherald.com\/banks\" get-home-url = \"https:\/\/www.miamiherald.com\/banks\" plugin-path=\"https:\/\/www.miamiherald.com\/banks\/wp-content\/plugins\/nas\/content\/live\/mcclatchymh\/wp-content\/plugins\/coupon-code-mh-personal-finance\/lib\/shortcode.php\" data-code=\"15AMZSezzle\" href=\"?cc=40896\" rel=\"follow\" data-brand=\"BNPL\" affiliate=\"https:\/\/www.miamiherald.com\/banks\/recommends\/sezzle\/sezzle\/\">Save $15<\/a><\/div><div class=\"coupon-verified\"> <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"#28a745\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"> <path d=\"M21 16V8a2 2 0 0 0-1-1.73l-7-4a2 2 0 0 0-2 0l-7 4A2 2 0 0 0 3 8v8a2 2 0 0 0 1 1.73l7 4a2 2 0 0 0 2 0l7-4A2 2 0 0 0 21 16z\"><\/path> <polyline points=\"9 12 11 14 15 10\"><\/polyline> <\/svg> <span>Verified<\/span> <\/div><\/div><\/div><\/div><\/div><div class=\"sticky-coupons\"><div class=\"coupon_main show\" data-code=\"15WMTSezzle\" target=\"_blank\" rel=\"nofollow\" data-brand=\"BNPLBNPL\"><div data-time=\"\" data-type=\"renewal_type\" id=\"cc_40899\" dataid=\"40899\" class=\"coupon_code test6 cc_PostID_40899 ccDiscType_Coupon_div aa\"><div class=\"coupon_main-img\"><div class=\"coupan-thumb f\"><img width=280 height=280 src=https:\/\/www.miamiherald.com\/banks\/wp-content\/uploads\/2025\/09\/Untitled-design-5-280x280.png alt=\"Untitled-design-5-280x280\" sites-confirm=\"Live site\"><\/div><\/div><div class=\"coupon_main-title\"><div class=\"coupon_main-title_inner\"><p class=\"coupon_main_heading\">Walmart Coupon: $15 Off First Purchase via Sezzle App<\/p><\/div><div class=\"coupon_main-used\">1 uses today <\/div><div class=\"coupon_main-expire\"><span>Expires in 2 days<\/span><\/div><div class=\"cc_time_ago\">Last Used: 5 hours ago<\/div><\/div><div class=\"coupon_main-btn\"><div class=\"coupan-content thepopup_Box\"><div class=\"codecontent\"><\/div><\/div><div class=\"coupon_getdeal test4\"><a class=\"redirectTo\" target=\"_blank\" post-id-value= \"40899\" new-url-orignal= \"\" get-new-url-string = \"\" get-affi-staging=\"https:\/\/www.miamiherald.com\/banks\/recommends\/sezzle\/sezzle\/\" get-correct-or-not= \"its correct\" get-home-tes=\"https:\/\/www.miamiherald.com\/banks\" get-home-url = \"https:\/\/www.miamiherald.com\/banks\" plugin-path=\"https:\/\/www.miamiherald.com\/banks\/wp-content\/plugins\/nas\/content\/live\/mcclatchymh\/wp-content\/plugins\/coupon-code-mh-personal-finance\/lib\/shortcode.php\" data-code=\"15WMTSezzle\" href=\"?cc=40899\" rel=\"follow\" data-brand=\"BNPLBNPL\" affiliate=\"https:\/\/www.miamiherald.com\/banks\/recommends\/sezzle\/sezzle\/\">Save $15<\/a><\/div><div class=\"coupon-verified\"> <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"#28a745\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"> <path d=\"M21 16V8a2 2 0 0 0-1-1.73l-7-4a2 2 0 0 0-2 0l-7 4A2 2 0 0 0 3 8v8a2 2 0 0 0 1 1.73l7 4a2 2 0 0 0 2 0l7-4A2 2 0 0 0 21 16z\"><\/path> <polyline points=\"9 12 11 14 15 10\"><\/polyline> <\/svg> <span>Verified<\/span> <\/div><\/div><\/div><\/div><\/div><div class=\"sticky-coupons\"><div class=\"coupon_main hide\" data-code=\"15TGTSezzle\" target=\"_blank\" rel=\"nofollow\" data-brand=\"BNPLBNPLBNPL\"><div data-time=\"\" data-type=\"renewal_type\" id=\"cc_40902\" dataid=\"40902\" class=\"coupon_code test6 cc_PostID_40902 ccDiscType_Coupon_div aa\"><div class=\"coupon_main-img\"><div class=\"coupan-thumb f\"><img width=280 height=280 src=https:\/\/www.miamiherald.com\/banks\/wp-content\/uploads\/2025\/09\/Untitled-design-5-280x280.png alt=\"Untitled-design-5-280x280\" sites-confirm=\"Live site\"><\/div><\/div><div class=\"coupon_main-title\"><div class=\"coupon_main-title_inner\"><p class=\"coupon_main_heading\">Get $15 Off Your First Target Purchase w\/ Sezzle App<\/p><\/div><div class=\"coupon_main-used\"> uses today <\/div><div class=\"coupon_main-expire\"><span>Expires in 2 days<\/span><\/div><div class=\"cc_time_ago\">Last Used: 2 hours ago<\/div><\/div><div class=\"coupon_main-btn\"><div class=\"coupan-content thepopup_Box\"><div class=\"codecontent\"><\/div><\/div><div class=\"coupon_getdeal test4\"><a class=\"redirectTo\" target=\"_blank\" post-id-value= \"40902\" new-url-orignal= \"\" get-new-url-string = \"\" get-affi-staging=\"https:\/\/www.miamiherald.com\/banks\/recommends\/sezzle\/sezzle\/\" get-correct-or-not= \"its correct\" get-home-tes=\"https:\/\/www.miamiherald.com\/banks\" get-home-url = \"https:\/\/www.miamiherald.com\/banks\" plugin-path=\"https:\/\/www.miamiherald.com\/banks\/wp-content\/plugins\/nas\/content\/live\/mcclatchymh\/wp-content\/plugins\/coupon-code-mh-personal-finance\/lib\/shortcode.php\" data-code=\"15TGTSezzle\" href=\"?cc=40902\" rel=\"follow\" data-brand=\"BNPLBNPLBNPL\" affiliate=\"https:\/\/www.miamiherald.com\/banks\/recommends\/sezzle\/sezzle\/\">Save $15<\/a><\/div><div class=\"coupon-verified\"> <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"#28a745\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"> <path d=\"M21 16V8a2 2 0 0 0-1-1.73l-7-4a2 2 0 0 0-2 0l-7 4A2 2 0 0 0 3 8v8a2 2 0 0 0 1 1.73l7 4a2 2 0 0 0 2 0l7-4A2 2 0 0 0 21 16z\"><\/path> <polyline points=\"9 12 11 14 15 10\"><\/polyline> <\/svg> <span>Verified<\/span> <\/div><\/div><\/div><\/div><\/div><div class=\"sticky-coupons\"><div class=\"coupon_main hide\" data-code=\"AMZ10\" target=\"_blank\" rel=\"nofollow\" data-brand=\"BNPLBNPLBNPLBNPL\"><div data-time=\"\" data-type=\"renewal_type\" id=\"cc_40892\" dataid=\"40892\" class=\"coupon_code test6 cc_PostID_40892 ccDiscType_Coupon_div aa\"><div class=\"coupon_main-img\"><div class=\"coupan-thumb f\"><img width=280 height=280 src=https:\/\/www.miamiherald.com\/banks\/wp-content\/uploads\/2025\/09\/Untitled-design-5-280x280.png alt=\"Untitled-design-5-280x280\" sites-confirm=\"Live site\"><\/div><\/div><div class=\"coupon_main-title\"><div class=\"coupon_main-title_inner\"><p class=\"coupon_main_heading\">Save $10 on Your First Amazon Purchase via Sezzle App<\/p><\/div><div class=\"coupon_main-used\"> uses today <\/div><div class=\"coupon_main-expire\"><span>Expires in 2 days<\/span><\/div><div class=\"cc_time_ago\">Last Used: 43 minutes ago<\/div><\/div><div class=\"coupon_main-btn\"><div class=\"coupan-content thepopup_Box\"><div class=\"codecontent\"><\/div><\/div><div class=\"coupon_getdeal test4\"><a class=\"redirectTo\" target=\"_blank\" post-id-value= \"40892\" new-url-orignal= \"\" get-new-url-string = \"\" get-affi-staging=\"https:\/\/www.miamiherald.com\/banks\/recommends\/sezzle\/sezzle\/\" get-correct-or-not= \"its correct\" get-home-tes=\"https:\/\/www.miamiherald.com\/banks\" get-home-url = \"https:\/\/www.miamiherald.com\/banks\" plugin-path=\"https:\/\/www.miamiherald.com\/banks\/wp-content\/plugins\/nas\/content\/live\/mcclatchymh\/wp-content\/plugins\/coupon-code-mh-personal-finance\/lib\/shortcode.php\" data-code=\"AMZ10\" href=\"?cc=40892\" rel=\"follow\" data-brand=\"BNPLBNPLBNPLBNPL\" affiliate=\"https:\/\/www.miamiherald.com\/banks\/recommends\/sezzle\/sezzle\/\">Save $10<\/a><\/div><div class=\"coupon-verified\"> <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"#28a745\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"> <path d=\"M21 16V8a2 2 0 0 0-1-1.73l-7-4a2 2 0 0 0-2 0l-7 4A2 2 0 0 0 3 8v8a2 2 0 0 0 1 1.73l7 4a2 2 0 0 0 2 0l7-4A2 2 0 0 0 21 16z\"><\/path> <polyline points=\"9 12 11 14 15 10\"><\/polyline> <\/svg> <span>Verified<\/span> <\/div><\/div><\/div><\/div><\/div><div class=\"sticky-coupons\"><div class=\"coupon_main hide\" data-code=\"WMT10\" target=\"_blank\" rel=\"nofollow\" data-brand=\"BNPLBNPLBNPLBNPLBNPL\"><div data-time=\"\" data-type=\"renewal_type\" id=\"cc_40897\" dataid=\"40897\" class=\"coupon_code test6 cc_PostID_40897 ccDiscType_Coupon_div aa\"><div class=\"coupon_main-img\"><div class=\"coupan-thumb f\"><img width=280 height=280 src=https:\/\/www.miamiherald.com\/banks\/wp-content\/uploads\/2025\/09\/Untitled-design-5-280x280.png alt=\"Untitled-design-5-280x280\" sites-confirm=\"Live site\"><\/div><\/div><div class=\"coupon_main-title\"><div class=\"coupon_main-title_inner\"><p class=\"coupon_main_heading\">Walmart Coupon: $10 Off First Purchase via Sezzle App<\/p><\/div><div class=\"coupon_main-used\"> uses today <\/div><div class=\"coupon_main-expire\"><span>Expires in 2 days<\/span><\/div><div class=\"cc_time_ago\">Last Used: 8 hours ago<\/div><\/div><div class=\"coupon_main-btn\"><div class=\"coupan-content thepopup_Box\"><div class=\"codecontent\"><\/div><\/div><div class=\"coupon_getdeal test4\"><a class=\"redirectTo\" target=\"_blank\" post-id-value= \"40897\" new-url-orignal= \"\" get-new-url-string = \"\" get-affi-staging=\"https:\/\/www.miamiherald.com\/banks\/recommends\/sezzle\/sezzle\/\" get-correct-or-not= \"its correct\" get-home-tes=\"https:\/\/www.miamiherald.com\/banks\" get-home-url = \"https:\/\/www.miamiherald.com\/banks\" plugin-path=\"https:\/\/www.miamiherald.com\/banks\/wp-content\/plugins\/nas\/content\/live\/mcclatchymh\/wp-content\/plugins\/coupon-code-mh-personal-finance\/lib\/shortcode.php\" data-code=\"WMT10\" href=\"?cc=40897\" rel=\"follow\" data-brand=\"BNPLBNPLBNPLBNPLBNPL\" affiliate=\"https:\/\/www.miamiherald.com\/banks\/recommends\/sezzle\/sezzle\/\">Save $10<\/a><\/div><div class=\"coupon-verified\"> <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"#28a745\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"> <path d=\"M21 16V8a2 2 0 0 0-1-1.73l-7-4a2 2 0 0 0-2 0l-7 4A2 2 0 0 0 3 8v8a2 2 0 0 0 1 1.73l7 4a2 2 0 0 0 2 0l7-4A2 2 0 0 0 21 16z\"><\/path> <polyline points=\"9 12 11 14 15 10\"><\/polyline> <\/svg> <span>Verified<\/span> <\/div><\/div><\/div><\/div><\/div><div class=\"sticky-coupons\"><div class=\"coupon_main hide\" data-code=\"TGT10\" target=\"_blank\" rel=\"nofollow\" data-brand=\"BNPLBNPLBNPLBNPLBNPLBNPL\"><div data-time=\"\" data-type=\"renewal_type\" id=\"cc_40900\" dataid=\"40900\" class=\"coupon_code test6 cc_PostID_40900 ccDiscType_Coupon_div aa\"><div class=\"coupon_main-img\"><div class=\"coupan-thumb f\"><img width=280 height=280 src=https:\/\/www.miamiherald.com\/banks\/wp-content\/uploads\/2025\/09\/Untitled-design-5-280x280.png alt=\"Untitled-design-5-280x280\" sites-confirm=\"Live site\"><\/div><\/div><div class=\"coupon_main-title\"><div class=\"coupon_main-title_inner\"><p class=\"coupon_main_heading\">Get $10 Off Your First Target Purchase w\/ Sezzle App<\/p><\/div><div class=\"coupon_main-used\"> uses today <\/div><div class=\"coupon_main-expire\"><span>Expires in 2 days<\/span><\/div><div class=\"cc_time_ago\">Last Used: 8 hours ago<\/div><\/div><div class=\"coupon_main-btn\"><div class=\"coupan-content thepopup_Box\"><div class=\"codecontent\"><\/div><\/div><div class=\"coupon_getdeal test4\"><a class=\"redirectTo\" target=\"_blank\" post-id-value= \"40900\" new-url-orignal= \"\" get-new-url-string = \"\" get-affi-staging=\"https:\/\/www.miamiherald.com\/banks\/recommends\/sezzle\/sezzle\/\" get-correct-or-not= \"its correct\" get-home-tes=\"https:\/\/www.miamiherald.com\/banks\" get-home-url = \"https:\/\/www.miamiherald.com\/banks\" plugin-path=\"https:\/\/www.miamiherald.com\/banks\/wp-content\/plugins\/nas\/content\/live\/mcclatchymh\/wp-content\/plugins\/coupon-code-mh-personal-finance\/lib\/shortcode.php\" data-code=\"TGT10\" href=\"?cc=40900\" rel=\"follow\" data-brand=\"BNPLBNPLBNPLBNPLBNPLBNPL\" affiliate=\"https:\/\/www.miamiherald.com\/banks\/recommends\/sezzle\/sezzle\/\">Save $10<\/a><\/div><div class=\"coupon-verified\"> <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"#28a745\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"> <path d=\"M21 16V8a2 2 0 0 0-1-1.73l-7-4a2 2 0 0 0-2 0l-7 4A2 2 0 0 0 3 8v8a2 2 0 0 0 1 1.73l7 4a2 2 0 0 0 2 0l7-4A2 2 0 0 0 21 16z\"><\/path> <polyline points=\"9 12 11 14 15 10\"><\/polyline> <\/svg> <span>Verified<\/span> <\/div><\/div><\/div><\/div><\/div><div class=\"sticky-coupons\"><div class=\"coupon_main hide\" data-code=\"SezzleAMZ5\" target=\"_blank\" rel=\"nofollow\" data-brand=\"BNPLBNPLBNPLBNPLBNPLBNPLBNPL\"><div data-time=\"\" data-type=\"renewal_type\" id=\"cc_40894\" dataid=\"40894\" class=\"coupon_code test6 cc_PostID_40894 ccDiscType_Coupon_div aa\"><div class=\"coupon_main-img\"><div class=\"coupan-thumb f\"><img width=280 height=280 src=https:\/\/www.miamiherald.com\/banks\/wp-content\/uploads\/2025\/09\/Untitled-design-5-280x280.png alt=\"Untitled-design-5-280x280\" sites-confirm=\"Live site\"><\/div><\/div><div class=\"coupon_main-title\"><div class=\"coupon_main-title_inner\"><p class=\"coupon_main_heading\">Save $5 on Your First Amazon Purchase via Sezzle App<\/p><\/div><div class=\"coupon_main-used\"> uses today <\/div><div class=\"coupon_main-expire\"><span>Expires in 2 days<\/span><\/div><div class=\"cc_time_ago\">Last Used: 1 hours ago<\/div><\/div><div class=\"coupon_main-btn\"><div class=\"coupan-content thepopup_Box\"><div class=\"codecontent\"><\/div><\/div><div class=\"coupon_getdeal test4\"><a class=\"redirectTo\" target=\"_blank\" post-id-value= \"40894\" new-url-orignal= \"\" get-new-url-string = \"\" get-affi-staging=\"https:\/\/www.miamiherald.com\/banks\/recommends\/sezzle\/sezzle\/\" get-correct-or-not= \"its correct\" get-home-tes=\"https:\/\/www.miamiherald.com\/banks\" get-home-url = \"https:\/\/www.miamiherald.com\/banks\" plugin-path=\"https:\/\/www.miamiherald.com\/banks\/wp-content\/plugins\/nas\/content\/live\/mcclatchymh\/wp-content\/plugins\/coupon-code-mh-personal-finance\/lib\/shortcode.php\" data-code=\"SezzleAMZ5\" href=\"?cc=40894\" rel=\"follow\" data-brand=\"BNPLBNPLBNPLBNPLBNPLBNPLBNPL\" affiliate=\"https:\/\/www.miamiherald.com\/banks\/recommends\/sezzle\/sezzle\/\">Save $5<\/a><\/div><div class=\"coupon-verified\"> <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"#28a745\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"> <path d=\"M21 16V8a2 2 0 0 0-1-1.73l-7-4a2 2 0 0 0-2 0l-7 4A2 2 0 0 0 3 8v8a2 2 0 0 0 1 1.73l7 4a2 2 0 0 0 2 0l7-4A2 2 0 0 0 21 16z\"><\/path> <polyline points=\"9 12 11 14 15 10\"><\/polyline> <\/svg> <span>Verified<\/span> <\/div><\/div><\/div><\/div><\/div><div class=\"sticky-coupons\"><div class=\"coupon_main hide\" data-code=\"SezzleWMT5\" target=\"_blank\" rel=\"nofollow\" data-brand=\"BNPLBNPLBNPLBNPLBNPLBNPLBNPLBNPL\"><div data-time=\"\" data-type=\"renewal_type\" id=\"cc_40898\" dataid=\"40898\" class=\"coupon_code test6 cc_PostID_40898 ccDiscType_Coupon_div aa\"><div class=\"coupon_main-img\"><div class=\"coupan-thumb f\"><img width=280 height=280 src=https:\/\/www.miamiherald.com\/banks\/wp-content\/uploads\/2025\/09\/Untitled-design-5-280x280.png alt=\"Untitled-design-5-280x280\" sites-confirm=\"Live site\"><\/div><\/div><div class=\"coupon_main-title\"><div class=\"coupon_main-title_inner\"><p class=\"coupon_main_heading\">Walmart Coupon: $5 Off First Purchase via Sezzle App<\/p><\/div><div class=\"coupon_main-used\"> uses today <\/div><div class=\"coupon_main-expire\"><span>Expires in 2 days<\/span><\/div><div class=\"cc_time_ago\">Last Used: 8 hours ago<\/div><\/div><div class=\"coupon_main-btn\"><div class=\"coupan-content thepopup_Box\"><div class=\"codecontent\"><\/div><\/div><div class=\"coupon_getdeal test4\"><a class=\"redirectTo\" target=\"_blank\" post-id-value= \"40898\" new-url-orignal= \"\" get-new-url-string = \"\" get-affi-staging=\"https:\/\/www.miamiherald.com\/banks\/recommends\/sezzle\/sezzle\/\" get-correct-or-not= \"its correct\" get-home-tes=\"https:\/\/www.miamiherald.com\/banks\" get-home-url = \"https:\/\/www.miamiherald.com\/banks\" plugin-path=\"https:\/\/www.miamiherald.com\/banks\/wp-content\/plugins\/nas\/content\/live\/mcclatchymh\/wp-content\/plugins\/coupon-code-mh-personal-finance\/lib\/shortcode.php\" data-code=\"SezzleWMT5\" href=\"?cc=40898\" rel=\"follow\" data-brand=\"BNPLBNPLBNPLBNPLBNPLBNPLBNPLBNPL\" affiliate=\"https:\/\/www.miamiherald.com\/banks\/recommends\/sezzle\/sezzle\/\">Save $5<\/a><\/div><div class=\"coupon-verified\"> <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"#28a745\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"> <path d=\"M21 16V8a2 2 0 0 0-1-1.73l-7-4a2 2 0 0 0-2 0l-7 4A2 2 0 0 0 3 8v8a2 2 0 0 0 1 1.73l7 4a2 2 0 0 0 2 0l7-4A2 2 0 0 0 21 16z\"><\/path> <polyline points=\"9 12 11 14 15 10\"><\/polyline> <\/svg> <span>Verified<\/span> <\/div><\/div><\/div><\/div><\/div><div class=\"sticky-coupons\"><div class=\"coupon_main hide\" data-code=\"SezzleTGT5\" target=\"_blank\" rel=\"nofollow\" data-brand=\"BNPLBNPLBNPLBNPLBNPLBNPLBNPLBNPLBNPL\"><div data-time=\"\" data-type=\"renewal_type\" id=\"cc_40901\" dataid=\"40901\" class=\"coupon_code test6 cc_PostID_40901 ccDiscType_Coupon_div aa\"><div class=\"coupon_main-img\"><div class=\"coupan-thumb f\"><img width=280 height=280 src=https:\/\/www.miamiherald.com\/banks\/wp-content\/uploads\/2025\/09\/Untitled-design-5-280x280.png alt=\"Untitled-design-5-280x280\" sites-confirm=\"Live site\"><\/div><\/div><div class=\"coupon_main-title\"><div class=\"coupon_main-title_inner\"><p class=\"coupon_main_heading\">Get $5 Off Your First Target Purchase w\/ Sezzle App<\/p><\/div><div class=\"coupon_main-used\"> uses today <\/div><div class=\"coupon_main-expire\"><span>Expires in 2 days<\/span><\/div><div class=\"cc_time_ago\">Last Used: 1 hours ago<\/div><\/div><div class=\"coupon_main-btn\"><div class=\"coupan-content thepopup_Box\"><div class=\"codecontent\"><\/div><\/div><div class=\"coupon_getdeal test4\"><a class=\"redirectTo\" target=\"_blank\" post-id-value= \"40901\" new-url-orignal= \"\" get-new-url-string = \"\" get-affi-staging=\"https:\/\/www.miamiherald.com\/banks\/recommends\/sezzle\/sezzle\/\" get-correct-or-not= \"its correct\" get-home-tes=\"https:\/\/www.miamiherald.com\/banks\" get-home-url = \"https:\/\/www.miamiherald.com\/banks\" plugin-path=\"https:\/\/www.miamiherald.com\/banks\/wp-content\/plugins\/nas\/content\/live\/mcclatchymh\/wp-content\/plugins\/coupon-code-mh-personal-finance\/lib\/shortcode.php\" data-code=\"SezzleTGT5\" href=\"?cc=40901\" rel=\"follow\" data-brand=\"BNPLBNPLBNPLBNPLBNPLBNPLBNPLBNPLBNPL\" affiliate=\"https:\/\/www.miamiherald.com\/banks\/recommends\/sezzle\/sezzle\/\">Save $5<\/a><\/div><div class=\"coupon-verified\"> <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"#28a745\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"> <path d=\"M21 16V8a2 2 0 0 0-1-1.73l-7-4a2 2 0 0 0-2 0l-7 4A2 2 0 0 0 3 8v8a2 2 0 0 0 1 1.73l7 4a2 2 0 0 0 2 0l7-4A2 2 0 0 0 21 16z\"><\/path> <polyline points=\"9 12 11 14 15 10\"><\/polyline> <\/svg> <span>Verified<\/span> <\/div><\/div><\/div><\/div><\/div><div class=\"loadmore_records\">View More<\/div><input value=\"9\" type=\"hidden\" class=\"get_total_results\"><input value=\"2\" type=\"hidden\" class=\"get_limit_count\"><\/div><\/div><\/div><\/div> <p class=\"wp-block-paragraph\">Sezzle is a U.S. and Canada-based BNPL provider that splits purchases into interest-free installments or longer-term financing. Its most popular option is the Pay in 4 plan, which divides purchases into four interest-free payments over six weeks. For shorter commitments, there\u2019s also Pay in 2, while Pay Monthly allows extended financing for 3\u201348 months (with an APR that can climb as high as 34.99%).<\/p> <p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.miamiherald.com\/banks\/finances\/sezzle-review\/\">Sezzle stands out<\/a> in its credit-building feature, Sezzle Up, which reports your on-time payments to the major credit bureaus. This makes it a good choice if you want a BNPL app that doubles as a financial tool. It also offers a <a href=\"https:\/\/www.miamiherald.com\/banks\/finances\/who-accepts-sezzle-virtual-card\/\">virtual card you can use anywhere <\/a>Visa is accepted.<\/p> <p class=\"wp-block-paragraph\">The downsides? Late payment fees can reach up to $15, and other small charges (failed payment, reschedule, service fees) can add up if you\u2019re not careful. Sezzle also starts users with a low spending limit, which only grows over time with responsible use.<\/p> <p class=\"wp-block-paragraph\">\u2705 <em>Best for students and young borrowers who want interest-free flexibility and the chance to build credit responsibly.<\/em><\/p> <h2 class=\"wp-block-heading\" id=\"h-klarna-multiple-plans-and-membership-perks\"><strong>Klarna: Multiple Plans and Membership Perks<\/strong><\/h2> <p class=\"wp-block-paragraph\">Klarna is one of the biggest global BNPL providers, offering more variety in payment plans than most competitors. Customers can choose from:<\/p> <ul class=\"wp-block-list\"> <li><strong>Pay in 4<\/strong>: Four biweekly interest-free installments<\/li> <li><strong>Pay in 30<\/strong>: Pay the full balance in 30 days, no fees if on time<\/li> <li><strong>Pay Over Time<\/strong>: Monthly financing with interest, more like a personal loan<\/li> <\/ul> <p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.miamiherald.com\/banks\/finances\/klarna-review\/\">Klarna integrates smoothly<\/a> with Apple Pay and also issues a Debit Flex Card, expanding where you can use it. Another standout is its membership tiers: for a small monthly fee, you can unlock perks like cashback rewards, waived service fees, and even interest-bearing balances (up to 3.22% APY).<\/p> <p class=\"wp-block-paragraph\">The drawbacks are mostly around limits and restrictions. Klarna uses automated algorithms to set your spending limit, which isn\u2019t always clear or predictable. And while late fees for Pay in 4 are capped at $7, missed payments can still hurt your credit report or lead to collections.<\/p> <p class=\"wp-block-paragraph\">\u2705 <em>Best for shoppers who want maximum flexibility, store perks, and the option to earn rewards on their spending.<\/em><\/p> <h2 class=\"wp-block-heading\" id=\"h-afterpay-simple-and-widely-accepted\"><strong>Afterpay: Simple and Widely Accepted<\/strong><\/h2> <p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.miamiherald.com\/banks\/finances\/afterpay-review\/\">Afterpay makes it easy<\/a> to split purchases into smaller chunks without paying interest or upfront fees. Its signature Pay in 4 plan divides your purchase into four installments, with the first due at checkout and the rest spread out every two weeks. Payments are free as long as you stay on schedule, and Afterpay helps by sending reminders before each due date. If you do fall behind, late fees are capped at $8 per installment, with the total never exceeding 25% of your order value.<\/p> <p class=\"wp-block-paragraph\">For bigger purchases, Afterpay also offers Pay Monthly, an installment loan designed for orders over $400. Depending on eligibility, you can spread payments across 6 to 24 months, with interest charged daily on the remaining balance. There are no late fees or origination fees with Pay Monthly, but your APR is personalized based on factors like your credit profile and past payment history. A soft credit check is required to determine eligibility, though this won\u2019t impact your credit score.<\/p> <p class=\"wp-block-paragraph\">Afterpay doesn\u2019t currently report to credit bureaus in the U.S., so on-time payments won\u2019t help build your credit history. Still, it remains a convenient, widely accepted option both online and in-store (via the Afterpay Card with Apple Pay or Google Pay). With automatic approvals, reminders, and predictable late fee caps, it\u2019s one of the most straightforward BNPL payment apps available.<\/p> <p class=\"wp-block-paragraph\">\u2705 <em>Best for everyday shoppers who want a simple, predictable way to split purchases without worrying about hidden fees.<\/em><\/p> <h2 class=\"wp-block-heading has-text-align-center\" id=\"h-sezzle-vs-klarna-vs-afterpay-comparison\"><strong>Sezzle vs Klarna vs Afterpay Comparison<\/strong><\/h2> <figure class=\"wp-block-table is-style-stripes\"><table class=\"has-border-color has-black-border-color has-fixed-layout\" style=\"border-width:1px\"><thead><tr><th><strong>Feature<\/strong><\/th><th><strong>Sezzle<\/strong><\/th><th><strong>Klarna<\/strong><\/th><th><strong>Afterpay<\/strong><\/th><\/tr><\/thead><tbody><tr><td><strong>Interest-Free Plans<\/strong><\/td><td>Pay in 2, Pay in 4<\/td><td>Pay in 4, Pay in 30<\/td><td>Pay in 4<\/td><\/tr><tr><td><strong>Long-Term Financing<\/strong><\/td><td>3\u201348 months (with APR)<\/td><td>Monthly financing (with APR)<\/td><td>6\u201324 months (with APR)<\/td><\/tr><tr><td><strong>Late Fees<\/strong><\/td><td>Up to $15, plus other small fees<\/td><td>Up to $7 (Pay in 4)<\/td><td>$8 per missed payment with a 25% cap<\/td><\/tr><tr><td><strong>Credit Rating Impact<\/strong><\/td><td>Sezzle Up reports on-time payments<\/td><td>Soft pulls; missed payments can hurt<\/td><td>Soft check; impact depends on your country<\/td><\/tr><tr><td><strong>Spending Limit<\/strong><\/td><td>Low at first, grows with use<\/td><td>\u201cPurchase power\u201d algorithm-based<\/td><td>Depends on rating and history<\/td><\/tr><tr><td><strong>Unique Perks<\/strong><\/td><td>Virtual Visa, credit building<\/td><td>Cashback, Apple Pay, membership perks<\/td><td>Wide retailer acceptance, simplicity<\/td><\/tr><\/tbody><\/table><\/figure> <h2 class=\"wp-block-heading\" id=\"h-final-thoughts-which-app-is-best\"><strong>Final Thoughts: Which App Is Best?<\/strong><\/h2> <ul class=\"wp-block-list\"> <li>Pick <strong>Sezzle<\/strong> if you want a BNPL app with flexible short-term options and the ability to <a href=\"https:\/\/www.miamiherald.com\/banks\/finances\/does-sezzle-build-credit\/\">build your credit history<\/a>.<\/li> <li>Pick <strong>Klarna<\/strong> if you value variety, store perks, and credit card rewards (it&#8217;s similar here).<\/li> <li>Pick <strong>Afterpay<\/strong> if you want a straightforward, widely accepted BNPL app with predictable fee caps.<\/li> <\/ul> <p class=\"wp-block-paragraph\">BNPL apps can make it easier to manage monthly payments and avoid using cash advance apps or high-interest credit cards, but they can also encourage overspending. Watch for missed payments, hidden excuses to have you pay fees, and how these services may affect your credit report. Used wisely, they\u2019re a convenient alternative to Affirm\u2014but only if you stay in control of your budget.<\/p> <h2 class=\"wp-block-heading\" id=\"h-faqs\"><strong>FAQs<\/strong><\/h2> <div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1756712947328\"><strong class=\"schema-faq-question\"><strong>Is there another app like Affirm?<\/strong><\/strong> <p class=\"schema-faq-answer\">There are multiple apps like Affirm, including Sezzle, Afterpay, and Klarna, which allow you to use payment options that utilize installment payments, so you don&#8217;t have to pay in full upfront.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1756712956221\"><strong class=\"schema-faq-question\"><strong>Which buy now, pay later is easiest to get approved for?<\/strong><\/strong> <p class=\"schema-faq-answer\">Many of the providers on this list are relatively easy to get approved for, though Sezzle and Klarna are probably the easiest of the bunch.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1756712972088\"><strong class=\"schema-faq-question\"><strong>What pay-in-4 can you use anywhere?<\/strong><\/strong> <p class=\"schema-faq-answer\">Of the pay-in-4 loan apps, many allow you to split payments for just about any kind of online purchase. However, Sezzle is one provider with in-store functionality, alongside Klarna and <a href=\"https:\/\/www.miamiherald.com\/banks\/finances\/zip-app-review\/\">Zip<\/a>.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1756712979890\"><strong class=\"schema-faq-question\"><strong>What is the minimum credit score for Affirm?<\/strong><\/strong> <p class=\"schema-faq-answer\">A score of 640 or higher gives you the best odds, though some with lower scores have been approved, while others with higher scores have been rejected. For a higher acceptance chance, ensure you pay your bills on time and monitor your bank account closely.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1756712984311\"><strong class=\"schema-faq-question\"><strong>Which pay-later app does not check credit?<\/strong><\/strong> <p class=\"schema-faq-answer\">Don&#8217;t worry about a dinged score after a provider runs your credit through something like <a href=\"https:\/\/www.creditkarma.com\/\">Credit Karma<\/a>. Providers like <a href=\"https:\/\/www.miamiherald.com\/banks\/finances\/sezzle-vs-klarna\/\">Sezzle and Klarna<\/a> only do a soft credit check. Afterpay may not require a credit check at all to get started.<\/p> <\/div> <\/div> ","protected":false},"excerpt":{"rendered":"<p>In the last few years, buy now, pay later (BNPL) apps have exploded in popularity, with companies like Affirm leading the way. In fact, according to EMARKETER, the number of BNPL users is expected to exceed 100 million in 2027. However, Affirm isn\u2019t the only option out there. Whether you\u2019re looking for interest-free payments, flexible [&hellip;]<\/p> ","protected":false},"author":14,"featured_media":40819,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[277],"tags":[],"class_list":["post-40816","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finances"],"acf":{"zone_id":"","sponsored":false,"external_author":40432,"external_editor":"","not_show_feature_image":false},"featured_image_src":"https:\/\/www.miamiherald.com\/banks\/wp-content\/uploads\/2025\/09\/Apps-Like-Affirm-feature-img.png","author_info":{"display_name":"","author_link":"https:\/\/www.miamiherald.com\/banks\/author\/"},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.7 (Yoast SEO v27.7) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Apps Like Affirm: Alternative BNPL Payment Apps<\/title>\n<meta name=\"description\" content=\"Explore apps like Affirm. 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