10 Best Sezzle Alternatives in 2026 (Best Buy Now Pay Later Alternatives)

It has made shopping more convenient since the buy-now-pay-later services have transformed the way individuals make purchases. Sezzle gives you options on how to pay. You have the option of splitting a bill into smaller bits and they do not typically charge large interest. People who are conscious of their budgets are very fond of these services. They will assist in preventing credit-card debt but receive products immediately. There are numerous Sezzle alternatives in 2025. There is no easier way now to get one that works like you do your shopping and the money you need.

What Is Sezzle?

Sezzle is a trendy buy now pay later platform that allows customers to divide a purchase into four no interest installments. It was launched in 2016 and partnered with several online stores to provide options of a flexible payment at the checkout. The sixty percent is paid by customers in installments over the space of six weeks automatically.

Sezzle also provides the payment records to credit bureaus, which are capable of assisting users in rate building. Interest is not paid as long as payments are made in time; hence, this assists in budgeting. There are apps like Sezzle that are in existence now to compete and provide alternative benefits.

Why Use Apps Like Sezzle?

• Budget Management: Make large purchases in small payments so that you do not stretch yourself to an extent that you strain every month.
• Interest-Free Options: Having no interests when it comes to making payments on time is offered by a lot of services.
• Credit Building: There are websites that are reporting good credit to enhance credit scores.
• Instant Approval: Fairly Fast is an option that allows you to buy immediately as you are not subjected to lengthy credit checks.
• Flexibility in shopping: You can go shopping in thousands of partner stores with a wide variety of products all over the globe.

Types of BNPL Apps

• Installment- Based Services: Separate the overall cost into fixed payments over a given period.
• Pay-in-Four Models: This model breaks the cost into four equal payments normally at the end of every two weeks and charges no interest.
• EMI Conversion Platforms: Rotational purchase into monthly payments with a term which is flexible.
• Merchant-Integrated Solutions: Installed within the checkout of the retailer to be paid with ease.
• Credit-Line Based Application: Allocates pre-approved credit liabilities which are restored at the predicate of payments.

Comparison Table: Best Apps Like Sezzle

App Name	Availability	Best Feature	Down Payment Required	Platforms
Klarna	Global	Pay in four installments	25% upfront	iOS, Android, Web
Afterpay	Global (limited)	Interest-free payments	25% upfront	iOS, Android, Web
Affirm	USA, Canada	Transparent pricing	Varies by purchase	iOS, Android, Web
Zilch	UK focused	Works anywhere Mastercard accepted	Optional	iOS, Android
Uplift	USA, Select countries	Travel-specific financing	10-20% upfront	iOS, Android, Web
FuturePay	USA primarily	Revolving credit line	No down payment	Web-based
Zip	Global (expanding)	Flexible financing options	25% for pay-in-four	iOS, Android, Web
GoCardless	Global	Direct debit automation	Custom terms	Business integration
ZestMoney	India	No credit card needed	Varies by tenure	iOS, Android, Web
LazyPay	India	One-tap checkout	No down payment	iOS, Android
Simpl	India	Fastest checkout	No down payment	iOS, Android
Amazon Pay Later	India	Amazon integration	No down payment	Amazon app
Paytm Postpaid	India	Multi-category coverage	No down payment	Paytm app
Flipkart Pay Later	India	40-day interest-free	No down payment	Flipkart app

List of Apps Like Sezzle

Best Global Alternatives to Sezzle

1. Klarna

One of the Sezzle alternatives known throughout the world is Klarna. It has millions of users in numerous countries. The Swedish firm offers very adaptable payment alternative since it allows people to pay in installments of four, on monthly installments, or make an immediate purchase. Klarna has more than 500,000 stores all around the planet therefore customers can shop online or in traditional retailers without any concerns.

The application is user-friendly and assists in searching, observing prices of the products, and viewing recommendations that suit you. Klarna is famous in Europe and North America, and hence, more individuals can make use of it. The company also makes it clear when the money is due and it does not have any hidden costs when one pays on time.

Key Features

• Four payments
• Monthly plans
• Shopping app
• Price alerts
• Virtual cards

Pros

• Global acceptance
• No interest
• Easy use

Cons

• Late fees
• Credit check
• Limit varies

Ideal For: International shoppers, fashion enthusiasts, frequent online buyers

App Download Link: https://play.google.com/store/apps/details?id=com.myklarnamobile&hl=en_IN 

2. Afterpay

Afterpay modified the market of buy now, pay later, and it is a leading app like Sezzle, particularly in Australia and the United States. The service divides a purchase into four identical payments at every two-week interval wherein the initial payment will be made when you purchase the product. Afterpay does not charge the customers, but the shops, therefore, there is no interest when you make all payments on time.

It is operated by a straightforward application that displays an overview of all coming payment, amount you can spend, and available stores. There are numerous large partners of Afterpay, fashion and beauty, home goods and electronics. It is mostly common among the youngsters who desire to do their shopping without reaching out a credit card but have power to buy.

Key Features

• Four equal payments
• Fortnightly payment schedule
• Instant spending approval
• Merchant discovery tools
• Payment reminders notifications

Pros

• Zero interest charges
• Quick approval process
• Large merchant network

Cons

• Late payment fees
• Purchase limits imposed
• Limited international coverage

Ideal For: Young shoppers, fashion lovers, credit-averse consumers

App Download Link: https://play.google.com/store/apps/details?id=com.afterpaymobile&hl=en_IN 

3. Affirm

The finance service offered by this company is Sezzle alternatives. It displays the price in total and any interest prior to purchase. You can make four interest-free payments, or opt to have the plans which live many months long. It conducts a soft credit offense, such that it will not interfere with your credit score. The platform can be easily found since it collaborates with the large companies, such as Amazon, Walmart, and Target. It will assist in establishing your credit score, as it will reflect the details of payments made on time to credit agencies.

Key Features

• Flexible payment terms
• Transparent pricing model
• Virtual card option
• Prequalification without impact
• Credit building opportunity

Pros

• Clear cost disclosure
• Multiple payment options
• Major retailer partnerships

Cons

• Interest charges possible
• Approval not guaranteed
• Income verification needed

Ideal For: Large purchases, credit builders, transparent pricing seekers

App Download Link: https://play.google.com/store/apps/details?id=com.affirm.central&hl=en_IN 

4. Zilch

Zilch provides additional features to Sezzle alternatives. It aids the UK shoppers who require variable payment. The service provides a card with an online nature which is accepted anywhere Mastercard is accepted either online or in-store. It allows the customer to make immediate payments and receives the discount, or make four installments without interest. Under Zilch Anywhere, customers are able to make purchases in any store and not just a few retailers.

This renders Zilch applicable in the their use in numerous purchases. The mobile application also has features that enable individuals to follow on the expenditure and budget in order to manage money in a better manner.

Key Features

• Virtual Mastercard integration
• Pay now discount
• Split payment option
• Universal merchant acceptance
• Financial wellness tools

Pros

• Works everywhere
• Discount rewards available
• No merchant restrictions

Cons

• UK focused primarily
• Fees for extensions
• Limited global reach

Ideal For: UK residents, flexible shoppers, discount seekers

App Download Link: https://play.google.com/store/apps/details?id=com.payzilch.app&hl=en_IN 

5. Uplift

Uplift specializes in travel financing as apps like Sezzle. It deals only with flights, hotels and vacation packages. The site collaborates with large airlines, cruise lines, and travelling agencies to provide lenient payment proposals to travel expenses. Uplift will be providing fixed monthly payments and displaying the clear interest rates in the beginning hence it will be easier to budget.

Customers will be able to reserve their flights immediately and delay the payment to three to twenty-four installments every month. The approval process of Uplift does not only consider the credit scores, and thus, a wider variety of people can use it. A lot of individuals opt to use Uplift since travelling can be a very large one time cost that can be defrayed. 

Key Features

• Travel-specific financing
• Fixed monthly payments
• Multiple term options
• Instant booking capability
• Flexible approval criteria

Pros

• Travel focused
• Clear terms provided
• Broader approval rates

Cons

• Interest charges apply
• Travel purchases only
• Not for general shopping

Ideal For: Frequent travelers, vacation planners, trip budgeters

App Download Link: https://play.google.com/store/apps/details?id=com.upliftinc.android&hl=en 

6. FuturePay

FuturePay is unlike other Sezzle alternatives since it provides a revolving crediting line to shop online. The site allows you to spend money in a limit that is pre-approved and is replenished when you use to settle payments just like a credit card. The FuturePay collaborates with numerous online shops of various types: fashion, electronic, and home items.

The service allows payment within 30 days or doing installments on the price. FuturePay encourages the responsible spending by providing clear terms and a clear payment plan. Online shopping is making it popular among web-based buyers who seek a preferred method of payment than just using a standard credit card. 

Key Features

• Revolving credit line
• Flexible payment timing
• Multiple retailer partnerships
• 30-day payment option
• Online shopping focus

Pros

• Revolving credit model
• Payment flexibility
• No hard inquiries

Cons

• Limited merchant network
• Fees may apply
• Online purchases only

Ideal For: Online shoppers, revolving credit users, flexible payers

App Download Link: https://play.google.com/store/apps/details?id=merchant.futurapay.android.com&hl=en_IN 

7. Zip (formerly Quadpay)

Zip For Business is a full-scale solution of alternatives of Sezzle, both to shoppers and store founders. It provides pay-in four payments in case of purchases within certain limits and long lasting financing of higher purchases. Zip provides both embedded cards and online cards which are applicable in thousands of shops around the globe particularly in the United States and Australia.

With credit checks that are not merely the typical score, the service encourages the financial inclusion. The mobile application by Zip displays expenditure, allows managing payments, and locates merchants. Zip has expanded to other global markets, and thus individuals in other markets are able to utilise it even though they may have varied money requirements and shopping patterns.

Key Features

• Pay in four
• Long-term financing available
• Physical virtual cards
• International availability
• Merchant discovery features

Pros

• Multiple payment options
• Global acceptance growing
• Alternative credit assessment

Cons

• Fees for missed payments
• Interest on longer terms
• Variable spending limits

Ideal For: Global shoppers, flexible financing needs, various purchase sizes

App Download Link: https://play.google.com/store/apps/details?id=com.quadpay.quadpay&hl=en 

8. GoCardless

GoCardless is not similar to Sezzle alternatives since it operates on direct debit collection of regular payments. This is an app that does not constitute a consumer BNPL but allows businesses to allow flexible payment plans to their customers. The service automatically receives payment hence it is good in subscription services, memberships and installments.

GoCardless operates across a wide range of countries and accepts a wide variety of currencies, which provides international payment options. It is trusted, and there are great payments success rates and low frequent failures. Companies can establish their own payment plans which are convenient to their clients. This can be applied by merchants who prefer offering their own pay schemes rather than resorting to conventional BNPL company set-ups.  

Key Features

• Direct debit automation
• Recurring payment management
• Multi-currency support
• International coverage
• Business-focused solutions

Pros

• High collection rates
• International support
• Customizable payment plans

Cons

• Business-oriented primarily
• Not consumer app
• Setup complexity

Ideal For: Subscription services, recurring payments, business integration

App Download Link: https://gocardless.com/ 

Buy Now Pay Later Apps in India (2025 Update)

1. ZestMoney

The primary BNPL service in India and one of the most reputable alternatives to Sezzle is ZestMoney. It provides payment schemes that allow the customers to pay without the use of a credit card. An electronic, fashion, travel, and healthcare merchant of over 10,000, ZestMoney, operates with these merchants. It provides EMI schemes between one to twelve months with an interest rate that varies according to the credit worthiness of the customer.

Nobody has any of the traditional credit history, but the company verifies credit, through other data digitally, enabling them to use the service. The mobile application of ZestMoney allows one to monitor payments, find merchants, and receive instant approvals on purchases. The service has gained massive popularity among young-professional users and first-time credit users in need of affordable options in order to finance their purchases.  

Key Features

• No credit card required
• Flexible EMI tenures
• Digital credit assessment
• Wide merchant network
• Instant approval process

Pros

• Credit card unnecessary
• Multiple EMI options
• Large merchant coverage

Cons

• Interest charges apply
• Approval varies
• Processing fees possible

Ideal For: Credit card alternatives, EMI seekers, young professionals

App Download Link: https://play.google.com/store/apps/details?id=in.zestmoney.android.zestlife&hl=en_IN 

2. LazyPay

One of the popular Sezzle alternatives in India making online shopping easy is LazyPay. It provides immediate credit card facility to buy in partner websites. LazyPay also allows taking a 15-day interest-free credit term and makes payments automatically using linked bank accounts or credit cards. In bigger purchases, LazyPay also allows one to turn the purchase into EMIs and purchase expensive products at a cheaper. The service is compatible with the leading online shopping platforms, food delivery applications, and utility bills payment services.

The approval process is quick and does not involve a lot of paperwork and limits the credit depending on the digital record of the user. LazyPay is also convenient in the sense of one-tap payments and automatic bill payment, and this is of particular interest to intensive online shoppers seeking an unproblematic payment method.

Key Features

• 15-day credit period
• One-tap checkout
• EMI conversion available
• Multi-platform integration
• Automatic payment settlement

Pros

• Interest-free period
• Quick checkout process
• Wide platform acceptance

Cons

• Late payment charges
• Credit limit restrictions
• Bank account required

Ideal For: Frequent online shoppers, convenience seekers, multi-platform users

App Download Link: https://play.google.com/store/apps/details?id=com.citrus.citruspay&hl=en_IN 

3. Simpl

In India, it is made easier to check out through Simpl. It allows paying by one tap and provides the option of flexibility in repayment. Cards, wallets or OTPs unnecessary. It’s fast. Simpl collaborates with large online shops, food delivery and grocery applications. You are issued with a credit line that is updated upon payment with terms normally payable within 15 days. When you pay at the right time, it will not cost you anything. Simpl monitors spending and increases the boundaries of good spending.

Key Features

• One-tap checkout
• No OTP required
• 15-day payment window
• Auto-replenishing credit
• Multiple merchant integration

Pros

• Fastest checkout
• Zero interest option
• Growing merchant network

Cons

• Limited credit initially
• Payment deadline strict
• Not universally accepted

Ideal For: Quick shoppers, OTP avoiders, convenience prioritizers

App Download Link: https://play.google.com/store/apps/details?id=com.simpl.android&hl=en_IN 

4. Amazon Pay Later

Amazon Pay Later is another famous competitor to Sezzle in India. It leverages on the large ecosystem and reputation of Amazon. It provides real-time credit of Amazon and partner purchases. You are able to divide payments into EMIs between three and twelve months at reasonable rates. The entire thing is online and fast. No extra apps or accounts. Its reputation and support of Amazon, make it secure to non-risky buyers.

Key Features

• Amazon ecosystem integration
• Instant credit approval
• Flexible EMI tenures
• Digital application process
• Trusted brand backing

Pros

• Amazon integration
• Quick approval process
• Secure platform

Cons

• Amazon-focused primarily
• Limited external usage
• Interest on EMI

Ideal For: Amazon shoppers, ecosystem users, security seekers

App Download Link: https://business.amazon.in/en/key-features/simplify-buying/selection/amazon-pay-later 

5. Paytm Postpaid

Another sezzle alternatives is Paytm Postpaid. It operates in the expansive Paytm network. Shopping, travelling, utilities and entertainment can be purchased in installments. You receive one monthly credit limit and a bill at the end of a month. No interest if you pay on time. It also allows you to make purchases over a given sum as EMIs at good rates. Paytm offers a lot of variety because of the numerous merchants, and it is also widely covered.

Key Features

• Paytm ecosystem integration
• Monthly billing cycle
• Multi-category coverage
• EMI conversion option
• Consolidated bill payment

Pros

• Wide acceptance
• Zero interest possible
• Integrated ecosystem

Cons

• Paytm-dependent primarily
• Credit limits vary
• Late fees apply

Ideal For: Paytm users, multi-category shoppers, ecosystem enthusiasts

App Download Link: https://play.google.com/store/apps/details?id=net.one97.paytm&hl=en 

6. Flipkart Pay Later

The best Sezzle alternatives is flipkart Pay Later. It provides easy payments at Flipkart. You have immediate credit at 40 days interest free. In larger purchases it is possible to switch to three, six, nine, or twelve-month EMIs. Flipkart verifies a lot more than simply scores, hence it suits a good number of individuals. You do not need to again enter payment details in order to shop. Overall, this service covers a significant number of users because Flipkart is the largest e-shop in India.

Key Features

• 40-day interest-free period
• Flipkart platform integration
• EMI conversion available
• Instant credit activation
• Simplified checkout process

Pros

• Longer grace period
• Major platform coverage
• Easy EMI options

Cons

• Flipkart-limited primarily
• Credit approval varies
• Interest on delayed payments

Ideal For: Flipkart shoppers, e-commerce enthusiasts, extended grace seekers

App Download Link: https://www.flipkart.com/flipkart-pay-later-store 

How to Choose the Right BNPL App

• Merchant Acceptance: Make sure the site is compatible with the stores and shopping sites that you would like to use.
• Flexible Payments: You should consider it step by step; you will have the option to make short-run payments or long EMIs depending on the amount you will spend.
• Interest and Fees: Consult the interest rate, penalty payments, and other money on all platforms.
• Credit Impact: Determine whether the service has credit bureaus and if it could have a credit score effect to it.
• Geographic Availability: It is important to ensure that the platform is relevant in your area of residence and can be used to transact in your local currency.

Conclusion

The buy-now-pay-later market continues to evolve as there are hundreds of Sezzle alternatives that provide alternative choices to shoppers. In case you must have interest-free payment, adjustable EMIs, or revolving credit line, a number of platforms may satisfy those requirements. Klarna, Afterpay, and Affir control the international markets, whereas local markets are covered by Indian alternatives, such as ZestMoney and Lazy Pay.

To select the correct Sezzle option, you will have to compare the merchant network, payment options and charges, and your financial objectives. Through responsible use of these sites, you will have added savings towards purchases, without damage to your financial chances, through affordable payment arrangements.

FAQs

Q: Are Sezzle alternatives safe to use for online shopping? 

A: The majority of good Sezzle options utilize encryption and secure payment thus they are secure when applied to legitimate merchants.

Q: Do BNPL apps affect credit scores? 

A: Certain apps are referred to credit bureaus, others are not. Look at the regulations prior to a Sezzle alternative.

Q: Can I use multiple BNPL apps simultaneously? 

A: Yes, but you always have to budget, otherwise you will run yourself thin and discontinue.

Q: What happens if I miss a payment? 

A: The majority of the Sezzle options have a fee on late payment and repeat defaults may damage your credit or close your account.