Top 8 Affirm Competitors & Alternatives in 2025
Updated onFind more companies like Affirm. We've shortlisted leading alternatives and mapped their strengths, pricing, and go-to-market focus.
Affirm, Inc. is a U.S.-based fintech company offering buy-now-pay-later consumer financing, point-of-sale loans, and the Affirm Card, enabling shoppers to pay for purchases in fixed installment plans with transparent terms.
Competitors
#1
Klarna
Klarna is a Swedish fintech that offers buy‑now‑pay‑later consumer financing, checkout and merchant payment solutions, and consumer financial services via its app and card across multiple countries.
- #2
Afterpay
Afterpay is a buy-now-pay-later fintech that lets shoppers split purchases into interest-free installments (with fees for late payments) and is a subsidiary of Block, Inc.
Starts at $0
#3PayPal
Best for enterprisesGlobal online payments platform that provides merchant accounts, buyer/seller protections, and compliance tools for legitimate transactions.
#4Est. 2006 • 1k+ employees • Public (NYSE:SHOP)Shopify
Best for SMBsShopify is a commerce platform that enables merchants to build and run online and omnichannel stores, with SaaS plans, payments, and app ecosystem.
Starts at $29 / month
Has a free trial
#5Zip Co Limited
Zip is a buy-now-pay-later fintech offering consumer installment plans, virtual single‑use cards, and merchant payment solutions across the United States, Australia and New Zealand.
Starts at $0
#6Sezzle
Sezzle is a Minneapolis-based fintech company that provides buy‑now‑pay‑later installment payment solutions (Pay in 4/Pay in 5, virtual cards and merchant integrations) for consumers and merchants in the United States and Canada.
- #7
Splitit
Splitit is a payments fintech that provides card‑linked buy‑now‑pay‑later and consumer financing solutions that let merchants offer installment payments using shoppers' existing credit cards without new applications or credit checks.
#8Bread Financial
Bread Financial is a U.S.-based, publicly traded financial services company that provides private-label and co-brand credit card programs, installment lending and buy now, pay later (BNPL) solutions, and direct-to-consumer payment and savings products through its Comenity Bank subsidiaries.
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