With the buy now, pay later (BNPL) industry experiencing a significant boom in 2025, consumers are opting for convenient and easy ways to manage their finances. The model is changing the shopping habits of people, particularly among young individuals. According to recent market trends, the worldwide BNPL industry is likely to reach all-time highs this year as an overwhelming majority of consumers, particularly Millennials and Gen Z shoppers, increasingly seek out these arrangements for everything from staples to high-ticket items.
The appeal is simple: you get what you need today and repay it later, hopefully interest-free. While apps like Sezzle are now a household name in this category, it’s far from alone. Savvy shoppers are now considering a wide array of other Sezzle alternatives, each with varying rewards, payment structures, and store networks. In this article, we will explore apps like Sezzle globally and in India to help you determine the perfect alternative for your shopping purposes.
What Is Sezzle?
Sezzle is a popular buy now, pay later option that enables customers to divide their online and in-store purchases into four interest-free payments paid out over six weeks. Customers are usually required to make a down payment at the time of sale, with the last three payments automatically deducted from your selected payment method on a fortnightly basis. The service conducts a soft credit check as part of the application process, which does not affect your credit score.
How Sezzle Works:
Sezzle works by the following method:
- Customers merely select Sezzle as their payment method at checkout when purchasing online or in person, instead of paying the full sum upfront.
- A minimal down payment is collected upfront to secure the order and reserve the item in place.
- The remaining balance is divided into three equal payments, enabling customers to make payments in installments rather than in full.
- Sezzle automatically takes these payments every two weeks from the linked debit card, credit card, or bank account, offering a seamless experience.
- Sezzle only does a soft credit check when signing up, not adversely impacting the user’s credit score to verify eligibility.
An easy process like this provides customers with a convenient, interest-free way to split payments, making shopping more affordable and attainable.
Types of BNPL Services:
- Split Payments: Most common option where the total cost of purchase is separated into smaller, equal payments, commonly four payments within six weeks. These are generally interest-free and offer short-term convenience.
- Long-Term Financing: For bulkier or more expensive items, this plan allows users to divide their repayment over several months or years. While some options are interest-free, others charge a very low interest rate, such as personal loans.
- Pay in Full Later: Instead of the split payment, this model gives customers the option to pay their entire amount later, say at the end of the billing cycle or month, without incurring anything additional.
Apps like Sezzle are transforming spending habits in 2025 by providing the most convenience, clarity, and mastery over finances, and are a sensible option as opposed to conventional credit mechanisms.
Comparison Table: Best Apps Similar to Sezzle
| App Name | Availability (Global/India) | Best Feature | Down Payment Required | Platforms |
| Affirm | Global | Flexible long-term plans | Sometimes | Web, iOS, Android |
| Klarna | Global | In-app shopping ecosystem | Sometimes | Web, iOS, Android |
| GoCardless | Global | Recurring payments (B2B) | No | Web, iOS, Android |
| Afterpay | Global | No credit check for standard purchases | Yes | Web, iOS, Android |
| Zip for Business | Global | Virtual card for use anywhere | Yes | Web, iOS, Android |
| Uplift | Global | Specialization in travel | Yes | Web, iOS, Android |
| Zilch | Global (UK focus) | Builds credit history with use | Sometimes | iOS, Android |
| Simpl | India | One-tap checkout | No | iOS, Android |
| LazyPay | India | EMI conversion for large bills | No | iOS, Android |
| Paytm Postpaid | India | Integration with Paytm ecosystem | No | iOS, Android |
| ZestMoney | India | EMI without a credit card | No | iOS, Android |
| Amazon Pay Later | India | Seamless Amazon integration | No | Web, iOS, Android |
| Flipkart Pay Later | India | Up to ₹1 lakh limit for Flipkart | No | Web, iOS, Android |
List of Top Apps Like Sezzle
A) Best Global Alternatives to Sezzle
1. Affirm
Affirm is a BNPL monolith offering a range of payment plans, ranging from the simple “Pay in 4” arrangement to longer loans on more expensive products. Their secret is transparency, because they always show you the total price of the loan upfront, including all interest, before you purchase. This no-hassle strategy earns consumers’ trust so that you can shop completely without surprise and with absolute confidence. Moreover, Affirm partners with thousands of merchants in diverse industries, from vacations to furniture, so it is an adaptable option for nearly any situation in shopping. Furthermore, some of its loans may involve a credit check and can improve your credit score by paying on time.
Key Features:
- Flexible pay terms: “Pay in 4” or monthly payments.
- Up-front, clear total cost with no fees.
- Merchant network of broad reach, with big brands.
Pros: Transparent up-front pricing, option for big purchases, and can build credit.
Cons: Interest is higher on more extended plans, and not all purchases are eligible for 0% APR.
Ideal For: Customers with big purchases needing longer terms.
Link: https://www.affirm.com/
2. Klarna
Klarna is a global pioneer and one of the best apps like Sezzle. It is not only a payment solution but also a seamless, end-to-end shopping experience. You can utilize their app to find offers, build wishlists, and even shop at non-partner stores with a one-off virtual card. This provides you with a sense of freedom and flexibility that few other services offer, enabling you to pay later at nearly any online retailer. Klarna offers “Pay in 4,” “Pay in 30 days,” and extended monthly financing options. Moreover, its simple-to-use interface and integrated shopping features make it a favorite among many.
Key Features:
- Multiple payment options: Pay in 4, Pay in 30 days, or monthly financing.
- Price alerts and in-app shopping.
- Use at non-partner stores with a one-time card.
Pros: Extensive merchant network, rich-featured app, highly flexible.
Cons: Difficult to manage multiple orders, and chargebacks can happen.
Ideal For: Everyday online shoppers who enjoy flexibility and an end-to-end shopping system.
Link: https://www.klarna.com/us/
3. GoCardless
Not a traditional BNPL app for consumer spending, but GoCardless is an excellent choice for businesses and service providers. The nature of this BNPL product is automated, recurring transactions through direct debit, a subscription and service model that is gaining popularity by the day. The company uses this “buy now, pay later” product to keep the flow of payments going steadily from the customers, thus being a dependable source of business activities, while at the same time giving a safety option to the end-users. However, in the case of a B2B or service-based situation, it provides the “buy now, pay later” functionality by breaking down large bills into a structured payment plan.
Key Features:
- Bases its focus on subscription and recurring payments.
- Automated collection through a direct debit system.
- Supports integration with popular accounting software.
Pros: Highly reliable for automatic payments, companies are offered low transaction fees.
Cons: Not to be used for consumer retail shopping, limited to direct debit type transactions.
Ideal For: Companies needing a reliable platform for recurring automatic payments.
Link: https://gocardless.com/
4. Afterpay
Afterpay alternatives are likely the closest rival and the best-known app, similar to Sezzle. It has the same basic functionality as splitting a purchase into four interest-free installments over a period of six weeks. It can be accepted by both big and small stores, ranging from clothing to household items, making it a highly versatile apps like Sezzle. One of the main differences is its focus on not requiring hard credit checks for its regular service, making it more accessible to a wider range of people. Nevertheless, in case payments are not made on time, a late fee will be charged, which makes it essential always to keep an eye on your calendar and make timely payments.
Key Features:
- An easy “Pay in 4” option with no interest.
- Broad acceptance at thousands of merchants.
- No hard credit inquiry for routine purchases.
Pros: Convenient to use, no credit effect, widely accepted.
Cons: Steep late fee policy, credit limits can be low for new customers.
Ideal For: Customers looking for a hassle-free, interest-free payment schedule with no credit check.
Link: https://www.afterpay.com/en-US
5. Zip
Zip offers a comparable pay-in-4 deal. It allows you to make use of its service almost anywhere Visa is accepted by generating a single-use virtual card through its app. This amount of flexibility is a huge advantage, as it’s not restricted to a predetermined list of partner merchants, offering complete financial freedom to shop where you want. Moreover, this is one of the most appealing apps like Sezzle because of its flexibility. The organization also offers “Zip Pay” and “Zip Money,” providing both short-term and long-term financing options.
Key Features:
- A virtual card to be used at most online stores.
- Offers both short-term (4 payments) and longer-term options.
- No hard credit check for day-to-day services.
Pros: Flexible and easily accessible, with flexible payment terms.
Cons: Convenience fees on specific transactions, and the credit limit initially could be low.
Ideal For: Customers who wish to use a BNPL service at unpartnered stores.
Link: https://zip.co/us/app
6. FuturePay
FuturePay offers a credit line, or a “shopping tab,” rather than a loan on each purchase. This allows you to buy several items over the course of time and pay for all of them with one bill, simplifying the management of your finances and getting rid of the confusion of many payment schedules. It is an excellent method for handling several small purchases and has an open credit option similar to that of a regular card. Even though it’s interest-free if cleared within a specified time, schemes might charge interest after this, so watch out for the terms.
Key Features:
- Consolidates multiple purchases onto a single “tab.”
- Revolving credit line structure.
- Allows you to spend and pay later.
Pros: Great for managing small, frequent purchases, a single bill to track.
Cons: No interest if paid upfront, not as well-known as other BNPL apps.
Ideal For: Customers who purchase a high volume of small items and enjoy having all of them on one account.
Link: https://futureretail.in/consumer_connect/future_pay.html
7. Uplift
Uplift is a BNPL expert within the travel industry, which makes it unique in the market. It allows you to book flights, hotels, and holiday packages and pay for them over time. The service makes travel convenience accessible by breaking down costly holidays into manageable monthly payments, making holiday dreams a possibility, and alleviating the financial strain of paying in full at booking. They typically have longer-term propositions, with interest, and deal with major airlines and travel companies.
Key Features:
- Particularly, BNPL for travel purchases.
- Monthly payment plans for large purchases like flights and hotels.
- Operates in association with large airlines and travel agencies.
Pros: Mitigates expensive travel expenses, easy application process.
Cons: Involves a credit check and has high interest rates.
Ideal For: Tourists and travelers who wish to finance their travels.
Link: https://www.uplift.com/
8. Zilch
Zilch is an app based in the UK that is perfect for BNPL (buy now, pay later) users with its two main options: “Pay in 4” (free at partner stores) and “Pay in 1” (which returns the money to you). The virtual card created by the app also allows you to go to almost any place online, so besides the increased comfort, the app also becomes more attractive. Moreover, Zilch also reports to credit bureaus, implying that steady usage can be a credit score booster, a feature that might be attractive to those who want to build up their financial history.
Key Features:
- “Pay in 4” at partnered stores with no fees.
- Rewards for paying in full.
- A virtual card for use almost anywhere.
Pros: Builds credit history, versatile for use at most retailers.
Cons: Fees apply for using the “Zilch Anywhere” virtual card.
Ideal for: UK shoppers who want to use BNPL to build their credit history.
Link: https://www.zilch.com/
B) Buy Now Pay Later Apps in India (2025 Update)
9. Simpl
Simpl is a highly popular app in India, known for its seamless one-tap checkout experience. Your expenses are converted into an invoice, which you are then billed for on a 15-day cycle, so if you want to pay off your monthly expenses in one go, you can do it without any hassle by just entering your payment details once. This app is perfect for daily low-value transactions such as food ordering, groceries, and utility bill payments. Moreover, if the bill is paid on time, Simpl doesn’t charge any interest or fees, making it an extremely user-friendly app like Sezzle.
Key Features:
- One-tap checkout for ease and speed.
- Single bill for all purchases, paid every two months.
- Zero interest and no processing fees.
Pros: Extremely convenient for low spenders, simple and easy to use.
Cons: Not suitable for large spends, only till a bi-monthly billing frequency.
Ideal For: Consumers who want a hassle-free solution for small, everyday purchases and prefer a single consolidated bill.
Link: https://my.getsimpl.com/signin
10. LazyPay
LazyPay provides you with a credit limit on which you can make both online and offline payments. It allows you to pay the total amount later in one bill or convert large ticket purchases into simple EMIs. This sort of flexibility makes LazyPay a strong rival to apps like Sezzle in India, as it’s suitable for both small and big-ticket purchases. Also, the app is affiliated with a vast network of merchants, including food ordering websites and travel sites so that you can use it for nearly anything, from a quick lunch to an airfare ticket.
Key Features:
- Credit limit for multiple buys.
- Bill conversion to EMIs as an alternative.
- No-cost EMI at retailers of our choice.
Pros: Flexibility in payments, accepted anywhere.
Cons: Exorbitant interest on EMIs if not a no-cost scheme.
Ideal For: Shoppers who need a flexible payment option for both daily purchases and larger, high-value items that they want to pay off over time with EMIs.
Link: https://lazypay.in/
11. Paytm Postpaid
Paytm Postpaid is Paytm’s credit service, which is India’s largest digital payments platform. Moreover, it provides a pre-approved credit limit that can be used across a wide range of transactions, from mobile recharge and bill payments to shopping on other websites. It’s a convenient one for someone who is already part of Paytm’s ecosystem since it seamlessly integrates with the app that you already use anyway for your daily needs, making it a natural extension to your finance kit.
Key Features:
- It is linked to the widely used Paytm ecosystem.
- Availability of credit facility for small-to-medium-sized transactions.
- Consolidated bill each month.
Pros: Highly convenient for Paytm users, no interest if paid on time.
Cons: Lower credit limit compared to other services.
Ideal For: Existing Paytm users who want a simple, integrated BNPL solution for their everyday digital payments and small purchases, all within a familiar app.
Link: https://paytm.com/loans-credit-cards/paytm-postpaid/
12. ZestMoney
ZestMoney is a BNPL service that is specifically targeting consumers who have no credit cards. It offers instant EMI financing on online and offline purchases. The platform fills an immediate gap in the market by lending to a new-to-credit user base, making shopping dreams a reality for millions of Indians and helping them build a healthy payment history. Moreover, customers are offered an instant credit limit and can pay for their purchases back in interest-free EMIs at a vast network of partner stores, putting premium shopping within everyone’s reach.
Key Features:
- No credit card EMI financing.
- Instant approval of credit limit.
- Interest-free EMIs in most stores.
Pros: Wider accessibility, no credit card required.
Cons: Not for all merchants, income-based approval.
Ideal For: Individuals who don’t have a credit card and want to access EMI financing for larger purchases to build their credit history.
Link: https://www.zestmoney.in/
13. Amazon Pay Later
Amazon Pay Later is a Buy Now, Pay Later (BNPL) product launched by Amazon India. It is a collaborative effort between a prominent bank, a Non-Banking Financial Company (NBFC), and Amazon. Customers who meet the eligibility criteria can use this facility to get an instant credit for their Amazon purchases. Moreover, it is a highly trusted and secure option, as it is offered by a global e-commerce giant, which instills confidence while shopping and also makes the checkout process extremely smooth. The service provides both a “Pay in Full Next Month” facility and longer EMIs for larger expenditures.
Key Features:
- Available only on the Amazon website.
- Payment or EMIs options for next month.
- Very high trust and security.
Pros: Easy integration with Amazon checkout, easy setup.
Cons: Available only for buying on Amazon.
Ideal For: Loyal Amazon shoppers who want a seamless, secure, and integrated payment solution for their purchases on the platform without leaving the ecosystem.
Link: https://www.amazon.in/gp/help/customer/display.html?nodeId=GJ626ASQQ6PD2KZY
14. Flipkart Pay Later
Flipkart Pay Later is like a apps like sezzle it is an in-house BNPL product similar to Amazon Pay Later, but for customers of Flipkart. The service offers an immediate credit limit of up to ₹1,00,000 that can be used for shopping on the website and for bill payments, including electricity bills. For those who make multiple purchases on Flipkart, this is an extremely handy alternative. You get a completely interest-free period of up to 30 days, and the whole process of buying the products you want becomes quite easy and enjoyable.
Key Features:
- Credit limit up to ₹1 lakh.
- It can be utilized for Flipkart shopping and utility payments.
- One-click checkout for convenience.
Pros: Highly convenient for Flipkart consumers, quick approval.
Cons: Limited to the Flipkart environment.
Ideal For: Frequent Flipkart customers who want a dedicated credit line for their shopping on the platform and enjoy the convenience of a fast, one-click checkout.
Link: https://www.flipkart.com/rv/fintech/advanz/cockpit
How to Choose the Right BNPL App
When searching for apps similar to Sezzle, the ideal choice will vary according to your personal requirements. Here are a few factors to consider:
- Where You Shop: Does the app support your favorite stores? If you shop mostly for apps like Sezzle like on Amazon, Amazon Pay Later is the obvious choice. If you’d prefer a selection of more stores, Sezzle, Klarna, or Affirm may be a better choice.
- Size of Purchase: For small, frequent purchases, a product such as Simpl or Paytm Postpaid will do. When making larger purchases, look for apps that offer longer terms or EMI facilities, such as Affirm or LazyPay.
- Impact on Credit: Do you want to build your credit score? Look for apps such as Affirm or Zilch that report to the credit bureaus. If you don’t wish to have credit checks made, services such as Afterpay may be suitable.
- Charges and Conditions: Look at the fine print. While most services market “no interest,” they do have late fees, convenience fees, or interest on extended plans.
Conclusion
The buy now, pay later universe is moving quickly, offering us a multitude of alternatives to conventional credit, as well as different apps like Sezzle. Whether you are looking for a global shopping splurge service, a local one to take care of daily India requirements, or a way of funding an expensive item, there exists a BNPL app that will cater to your specific requirements. Understanding the different models, features, and terms will allow you to confidently choose the most suitable BNPL app to facilitate your shopping process easily and affordably.
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FAQs
Is there another apps like Sezzle?
There are numerous apps like Sezzle, some of which are among the most internationally used, including Klarna, Affirm, Afterpay, and Zip.
What is the best pay-later app?
The “best” pay later app is based on your requirements. For broad merchant acceptance and convenience, Klarna is a strong contender, while for a straightforward interest-free plan with no credit check, Afterpay is a great choice.
Which one is better, Zip or Sezzle?
Zip is usually better because it is more flexible, as it allows you to utilize a virtual card to spend at more diverse stores, whereas Sezzle offers structured, interest-free payment timelines at an enormous universe of partner merchants.
Which apps like Sezzle do not involve a credit check?
Some buy-now, pay-later apps do not perform a hard credit check for their typical, short-term payment products; examples include Afterpay, Klarna, and Sezzle.
What is the highest apps like Sezzle purchase limit?
Sezzle’s purchase limit can vary for both the consumer and the transaction, but they offer a purchase capability of up to $15,000 for specific consumers and merchants, based on approval and credit assessments.
