Best Affirm Alternatives in 2026
Updated
20 apps from buy now, pay later platforms ranked against Affirm on the same published basis.
- 1Affirm vs Tabby
- 2Affirm vs ViaBill
- 3Affirm vs Afterpay
- 4Affirm vs Atome
- 5Affirm vs Billie
- 6Affirm vs PayJustNow
- 7Affirm vs Scalapay
- 8Affirm vs Tamara
- 9Affirm vs Zilch
- 11Affirm vs Aplazo
- 12Affirm vs Katapult
- 13Affirm vs Klarna
- 14Affirm vs Kueski Pay
- 15Affirm vs Oney
- 16Affirm vs Sezzle
- 17Affirm vs Sunbit
- 18Affirm vs Zip
- 19Affirm vs Addi
- 20Affirm vs FLOA
- 21Affirm vs Riverty
Affirm alternatives compared
| # | App | Score | Free plan | From | Runs on |
|---|---|---|---|---|---|
| 1 | Tabby | 6.6 | Free plan | Free | Android, API, iOS, Web |
| 2 | ViaBill | 6.6 | Free plan | Free | Android, API, iOS, Web |
| 3 | Afterpay | 6.5 | Free plan | Free | Android, API, iOS, Web |
| 4 | Atome | 6.5 | Free plan | Free | Android, API, iOS, Web |
| 5 | Billie | 6.5 | Android, iOS, Web | ||
| 6 | PayJustNow | 6.5 | Android, iOS, Web | ||
| 7 | Scalapay | 6.5 | Android, API, iOS, Web | ||
| 8 | Tamara | 6.5 | Free plan | AED 19/mo | Android, iOS, Web |
| 9 | Zilch | 6.5 | Free plan | £2.99/mo | Android, iOS, Web |
| 11 | Aplazo | 5.6 | Android, API, iOS, Web | ||
| 12 | Katapult | 5.6 | Android, API, iOS, Web | ||
| 13 | Klarna | 5.6 | $4.99/mo | Android, API, iOS, Web | |
| 14 | Kueski Pay | 5.6 | Android, API, iOS, Web | ||
| 15 | Oney | 5.6 | Android, API, iOS, Web | ||
| 16 | Sezzle | 5.6 | $13.99/mo | Android, API, iOS, Web | |
| 17 | Sunbit | 5.6 | Android, iOS, Web | ||
| 18 | Zip | 5.6 | Android, API, Browser, iOS, Web | ||
| 19 | Addi | 5.5 | Android, iOS, Web | ||
| 20 | FLOA | 5.5 | €1.25/mo | Android, iOS, Web | |
| 21 | Riverty | 5.5 | Android, API, iOS, Web |
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Questions about Affirm alternatives
What is the best alternative to Affirm?
Tabby, number 1 in buy now, pay later platforms with a score of 6.6 out of 10. The others here: ViaBill, Afterpay, Atome and 16 more.
What is the best free alternative to Affirm?
Tabby is the best-ranked alternative with a free plan. 6 of the 20 alternatives here publish a free plan on their own pricing pages.
How are these alternatives ranked?
Ranked free-and-open first: a usable free tier and open-source code, then the platforms it runs on and its documentation.