Similar to inklevel app zip#

But seeing the monthly installments as an option is a great option if you’re purchasing something of a higher value.Īlso Read: Best Apps Like Snapchat 5. You can choose between four interest-free payments or monthly installments that come with a small interest fee.

But the key difference is that Affirm doesn’t have hidden or late fees.Īffirm is a very popular check-out option at some of the biggest stores such as Walmart, Target, Amazon, Expedia Hotels, and other online stores, but you can also use Affirm in stores if you order an Affirm Debit+ card.Īfter deciding on the store and adding products to your cart, you only need to choose Affirm as a payment method and then choose the payment terms. With Affirm, you can pay at your own pace, but you’ll always have insight into how much you will pay and how soon you will have to pay it off. AffirmĪffirm is another shopping platform similar to Klarna, where you have more freedom to pay off the purchases you made. The only downside is that you can’t use a debit card, it has to be a credit card, so you can get Splitit’s help to authorize the hold and manage the payoff as you pay on the go.Īlso Read: Best Apps Like Facetune 4. Splitit is ideal for higher-priced purchases, and that’s why it’s most popular in stores such as Canyon, James Allen, Nectar, Vestiaire Collective, and others. It is an app where you get to pay as you go, and Splitit will reauthorize the hold and help you reduce the amount every month. Therefore, Splitit is not a buy now and pay later shopping app. When you place a new order with Splitit, a hold is placed on your credit card, which is only for authorization purposes that give you the ability to pay off the purchase in the number of installments chosen by you. There is no interest, no fees, you don’t need to fill out any applications, and you won’t even have to undergo a credit check. Splitit can connect to your existing credit card and give you the chance to pay off purchases at your own pace. Splitit is a unique shopping app that works differently than Klarna. Within the app, you also get useful insights such as the available spend and limits that can increase as you pay off more than a couple of purchases successfully on time.Įxplore: Best Apps Like Albert 3. The Afterpay app is easy to use since the signup process is minimal, and it even includes an in-app digital card that you can use if you ever shop in-store and you’d still like to split the purchase. Afterpay caps the fee at 25% of the order value, so the cheaper your order was, the cheaper the late fee will be. However, if you happen to miss a payment on a set date, Afterpay will calculate the fee differently than Klarna does. With Afterpay, you can split a purchase into four smaller payments over six weeks, and you won’t ever have to pay any interest. AfterpayĪfterpay is another similar app to Klarna that can help you purchase anything online and pay it off later. With clear insight on how much you’re allowed to spend as soon as you open the app, your shopping habits will stay in control.Īlso Read: Best Apps Like Forest 2.

Similar to inklevel app zip#

With a smartphone app, you can use Zip anywhere and take it with you, even when you’re shopping offline. Zip’s late fees depend on the location, but you can expect to pay anywhere between $5 to $10, while with Klarna, you’d pay $7 if the payment doesn’t go through on a set date.

If you are late with your payment, it’s good to know that Zip has lower fees than Klarna. In addition, you can use Zip anywhere where Visa is accepted as a payment method. However, Zip gives you a range of six weeks to pay off the product while Klarna gives you slightly more, which is eight weeks.īut Zip’s advantage is that you can use it to pay bills, groceries, and even shop in-store. Like Klarna, Zip allows you to split your purchase into four smaller payments. Zip was previously known as Quadpay, and it’s a shopping app that helps you buy anything online and pay for it later. Take a look, you’ll most likely find an app that will fit your shopping habits! 1. These 15 apps below work similarly to Klarna yet have different terms and agreements that will help you have the best shopping experience online.