Best FLOA Alternatives in 2026

Updated October 2026

20 apps from buy now, pay later platforms ranked against FLOA on the same published basis.

FLOA 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
10	Affirm	5.6			Android, API, Browser, 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
21	Riverty	5.5			Android, API, iOS, Web

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What is the best alternative to FLOA?

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 FLOA?

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.