In today’s fast-paced world, convenience is key. One way to make shopping more convenient is by using “buy now, pay later” apps like Zilch. These apps allow users to purchase items and pay for them in instalments rather than all at once. Zilch is one such app, which allows users to shop at participating merchants and pay for their purchases in four interest-free payments. However, Zilch may not be the best fit for everyone. In this blog post, we’ll explore some of the best apps like Zilch that are currently available.
6 Best Zilch Alternatives
When it comes to “buy now, pay later” apps, there are plenty of options to choose from. Some of the most popular apps like Zilch include:
1. Klarna:
Klarna is a Swedish “buy now, pay later” app that allows users to make purchases and pay for them in four interest-free instalments. It also offers a “slice it” feature which allows users to pay for larger purchases in smaller, interest-free instalments. It offers a wide range of merchants to shop with.
2. Afterpay:
Afterpay is an Australian-based app that is available in several countries, including the US, Canada, the UK, and Australia. Like Klarna, Afterpay also allows users to make purchases and pay for them in four interest-free instalments, offering a wide variety of merchants one can shop with.
3. Sezzle:
Sezzle is another Zilch alternative app that’s based in the United States. Users are allowed to make purchases and pay for them in four interest-free payments. Sezzle claims that there are no hidden charges that one has to pay, plus their referral program opens up a way to earn discounts on your repayments.
4. QuadPay:
QuadPay like its name suggests, allows users to make repayments on their purchases in four instalments. It is a US-based “buy now, pay later” app that comes with a great and easy-to-use interface. Its mobile app ensures that buying and making repayments are easy and hitch-free, also making it easy to split payments on the go.
5. Affirm:
Affirm is a US-based “buy now, pay later” app that allows users to make purchases and pay for them in fixed monthly payments. It offers a wide variety of merchants to shop with, including popular e-commerce sites and brick-and-mortar stores.
6. Laybuy:
Laybuy is based in New Zealand-based and it is another app like Zilch that offers users the chance to buy and make payments later in six interest-free payments. It is a new player in the market but it is quickly gaining popularity among users.
Other apps like Zilch
ViaBill
ViaBill is another online financial platform that makes payment flexible for people. They split your payment into installments, which can be paid over a six-month period. Interestingly, they do not charge interest fees and work in most European countries, including Denmark and Spain.
PayPal Credit
PayPal Credit helps you pay for your overtime, shopping, and others. To start using PayPal Credit, you have to be approved, and it is only available to US users of legal age in their state of residence. Once approved, you will get a $250 credit. While there’s no interest fee, if you don’t repay your credit within six months, interest will be charged.
Fingerhut
Fingerhut is the best platform to build your credit score. They approve users with no credits, and they are very transparent. You will be notified of the due dates of your repayment while you are always made aware of your orders, available credits, balance, and payments.
Conclusion
In conclusion, “buy now, pay later” apps like Zilch can be a convenient way to budget your expenses and make larger purchases. However, it’s important to choose the right app and use it responsibly. Be sure to consider your spending habits, budget, and the merchants you frequently shop with. By doing so, you can ensure that you’re getting the most out of your “buy now, pay later” app experience.
