Apps like Perpay should allow you to spread your shopping payments with no fear of your credit score getting affected.
When it comes to buying now pay later apps that require no credit check, Perpay is one name that usually tops the list for its reliance on payroll direct deposit to determine spending power.
A good alternative to Perpay should also be able to allow you to access purchasing credit with no fear of a real impact on your bureau profile and also provide a buy now pay later card you can use everywhere.
Apps Like Perpay
Below are the top alternatives you can use to buy now and pay later just like Perpay:
Affirm
Limit
$17,500
Interest
0%
Credit Check
Soft
You cannot have a list of apps like Perpay without mentioning Affirm, thanks to its presence across thousands of shopping platforms including being able to buy now and pay later on Amazon directly with it.
This is probably one of the top three when it comes to split payment providers which you could likely come across when you are buying from merchants like Amazon, Target, Walmart, and the like.
Through its app, you can shop for popular merchants without having to keep multiple applications hence, a very good alternative to Perpay.
In order to allow to shop platforms that do not have it at their payment gateways, Affirm allows the generation of one-time valid virtual cards that you can use to checkout on millions of shopping gateways.
If you want to save your money in order to earn interest, you might want to try Affirm’s savings plan which allows you to set some funds aside and earn interest over time.
The saved fund earns interest daily as it employs a compound interest rate computation and its annual yield percentage rate is put at 2.5%.
For effortless shopping and scheduled payment when buying from merchants’ portals via your browser, this brand provides a browser extension you can install and use when shopping without having to launch your Affirm application.
Since the one-time valid virtual card is not a good option, especially for handling recurring payments, the firm provides an alternative through its Debit+ Card which is more a stable option than its one-time virtual card.
The Debit+ Card can be used to check out online and you can connect it to your favourite digital wallets for buying from an offline store.
To start using Affirm as your split payment provider, you can sign up on its website or simply download and register using the mobile application available for iOS and Android-based devices.
Four
Limit
$1,000
Interest
0%
Credit Check
Soft
Pay with Four is one of the apps like Perpay that gives you the chance to buy an item you want and pay back later.
Its purchase power determination depends on performing a soft credit check which does not impact your credit score but rather helps it assign a spending limit to you for shopping.
The repayment schedule is common to many of the split payment providers as you will have to pay back every two weeks with your first payment due at check out.
It has a presence across hundreds of merchants’ locations and you can use it to check out your orders easily where it is available as one of the payment gateway processing brands.
As a first-time user, the amount of funds you can access is dependent on the soft credit check on your profile but the value is within the limit of $1,000 usable when you are buying at a partner merchant portal.
Pay with Four has a mobile application that is available on App Store and Google Play and you can install it to start creating your split payment profile.
Alternatively, the web interface is available and you can log in to manage your account from your browser when signed in to the portal.
Afterpay
Limit
$600
Interest
0%
Credit Check
Soft
Afterpay is one of the apps like Perpay with good merchant network coverage hence, you are likely to see it when checking out on popular shopping platforms.
It has features geared towards making it convenient for you to shop online and in stores while enjoying its split payment service.
Akin to many of the Perpay alternatives on this list, Afterpay also provides a single-use payment card that gets auto-filled when you are shopping merchants that do not have it directly integrated at their checkout gateways. This makes it appealing as opens the opportunity for it to be used on millions of shopping platforms.
To conveniently handle recurring payments, it also provides the Afterpay Plus Card which does not change like the one-time valid virtual card.
This Afterpay Plus Card is a digital debit card that sits in your wallet and can conveniently be connected to your digital wallets like Google Pay and Apple Pay. This makes it a good option for store walk-in split payment checkout.
To get this card, you will have to bear a monthly cost to keep active in your wallet. It comes at a monthly maintenance fee of $5.99 to keep the card active.
Afterpay performs a soft credit check when you are applying for credit. Fortunately, this does not affect your credit score as it is done to enable it to assign a spending limit you can use to buy now and pay later.
This platform allows you to shop internationally across its countries of operations. Since it handles the Foreign exchange conversion and pricing, you will only pay the price stated in your local currency with no additional charge.
Afterpay is part of the Bloc Inc. family of brands hence, it is likely that you will see its presence across merchant platforms that have Square as the payment gateway provider.
To get started using this Perpay alternative, you can download and sign up with its mobile application or simply create an account through its web portal.
Bread Pay
Limit
$1,000
Interest
0%
Credit Check
None
Bread Pay is another buy now pay later provider you can opt for aside from Perpay.
This is a product from Bread Financials allowing shoppers to buy across hundreds of its partnering merchants and schedule repayment in bits.
When checking out with Bread Pay, it has two options: first is the SplitPay which works like your typical buy now pay later provider allowing you to schedule payments into four equal instalments payable every two weeks.
The other is the Bread Pay Instalment which works like a loan and is payable at the end of every 30 days through your tenor.
Bread Pay allows you to access from a minimum of $50 and you cannot exceed its maximum of $1,000. The allowable spending power depends on a soft credit check that will be performed on your profile when applying for split payment.
This platform has hundreds of merchants within its bucket and you can check out effortlessly using your account but if you want to shop on a portal when Bread Pay is not a payment option, it also provides a single-use virtual card that can be used to checkout for scheduled weekly or monthly repayment depending on the type of its product applied.
With its virtual card, you can also check out offline by connecting it to your digital wallet any time you want to pay in a store.
Though this provider performs a soft credit check, it is also worth noting that you might be able to grow your credit score as it reports repayment activities to the credit bureaus.
To get started with Bread Pay, you simply need to visit its website and create your profile. After, you can use it to buy now and pay later.
Sezzle
Limit
Varies
Interest
0%
Credit Check
Soft
Sezzle is another well-known brand when it comes to split payment providers you can use to shop now and pay later.
It has a presence across thousands of merchant portals you can conveniently shop and check out with your Sezzle profile.
Sezzle’s price comparison feature is one thing you will love about its app. Within the app, you can shop and compare items’ prices which ensures you get the best pricing.
When it comes to offline shopping, it also provides a virtual card that can be connected to any digital wallet, including Apple Pay and Google Pay.
The Sezzle virtual card works online when shopping on selected merchant portals hence, it might not work on your chosen retailer’s portal. This BNPL provider has many partners that accept the card and you can check if the platform you want to buy from accepts the virtual card by navigating to the Sezzle card section on your dashboard.
You can also use the virtual card offline similar to many of the virtual cards provided by other buys now and pay later service providers as it requires you to link it to any of Apple Pay and Google Pay before you can start splitting your order payments into four equal payments.
Akin to others, it performs a soft credit check which helps it determine the purchasing power to be assigned to you.
If you become a big user, you will like to know that it also builds your credit through its Sezzle Up plan and unlike some of the other apps like Perpay that have this feature, it does not require you to pay an extra fee to be eligible for this addon. This service called Sezzle Up requires you to upgrade your account by connecting your bank account, confirming your KYC details by connecting your Social Security Number, and paying off at least one order before you will be able to start enjoying the benefits that come with being a Sezzle Up user.
This Perpay alternative also offers a loyalty program that you can earn as you shop across merchants. You get loyalty points for every $1 spent. Every dollar you spend when buying will enable you to earn 2 points and once you get up to 1,000 points, you will get $5 which will be added to your Sezzle wallet and you can use it to pay a part of your next scheduled split payment.
This split payment provider also has a premium package, this upgraded plan comes with perks like the ability to shop premium brands, get shopping cashback to your wallet, free payment rescheduling, and others. This upgraded plan comes at an annual price of $89.99 but if you want to try it for a few months, you can opt for its monthly $9.99 plan.
Zip
Limit
$1, 000
Interest
0%
Credit Check
Soft
When it comes to listing the apps like Perpay which you can opt for when scheduling repayments, Zip will almost always make the list for its popularity in the BNPL market.
You can use Zip on thousands of merchant portals across popular categories like fashion, electronics, home, furniture, and others.
Through the Zip app, you can shop directly when logged in hence, helping you to keep a few shopping apps installed on your device, track your deliveries, and handle repayments.
It also has a virtual card which you can use to shop on many merchants’ platforms and checkout seamlessly offline by connecting it to your digital wallet.
If you are a big fan of browser extensions, it is good to know that Zip also provides an extension you can install on your browser that has functionalities for shopping, one-time card generation, and tracking of orders.
Zip has a physical card which has to be prefunded before you can it for shopping. Being a prepaid card adds an extra level of security as you can only use it when you have enough funds sent into it.
As common to other alternative apps to Perpay on this list, Zip also performs a soft credit check before assigning a spending limit to you.
To get started with using Zip, you can create an account on its website or download its app, sign up, and start shopping with it.
The good thing with apps like Perpay on this list is that most of them have in-app shopping functionality similar to the Perpay marketplace and with the virtual buy now pay later cards provided by almost all of them, they are amazing alternatives to opt for.
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