Afterpay alternatives

What reviewers actually said

Built only from these 106 real reviews (foreign ones translated). Superscripts jump to the quote here. Apple has no per-review links, so [ref] opens that app's reviews on the App Store.

1. [R1] Afterpay 1/5 · US Cant Use After Years of Building: I recently tried using Afterpay for a purchase that I couldn’t afford to pay all at once. Every time I reached checkout, the app let me select a payment plan like everything was working, but as soon as I confirmed it, I got a generic “Something went wrong” error. This happened every single time. What makes this even more frustrating is that I have a $3,000 spendi
2. [R8] Afterpay 4/5 · US Messing up: I have no idea what happened, I’m an avid shopper online and I love using Afterpay. For some reason when I pay on Amazon it kicks my payments back all the time. I have to redo the pay1in-4 card multiple times delays my purchases because it does not accept them. Can you please fix this. It was flawless before now it’s nothing but issues.
3. [R17] Afterpay 5/5 · US Banned from the app for THEIR malfunctions: Was banned indefinitely from the app all just because of THEIR payment malfunction.
4. [R19] Afterpay 5/5 · US Single card use: Afterpay is one of amazing app I ever use I use Afterpay for everything as in house and automotive and luxury items the only problem I have is creating a single use card before it will automatically make one but now it doesn’t can y’all switch back to the other update
5. [R7] Afterpay 1/5 · US worst shopping experience ever: I will try to be as succinct as possible as I have already probably wasted 10 hours plus dealing with their alleged customer service team, customer service managers, etc. Long story short, they invoiced me twice, exact duplicates, for an order I made around Christmas 2025. Around that same time I also ordered two books for which they charged me over $150 but actua
6. [R10] Afterpay 1/5 · US Horrible theives: This company should be sued til they don’t have a cent left. Unresponsive customer service. Website doesn’t work. Harass you for payments that are NOT DUE YET!!! Do not use them, you’ve been warned
7. [R18] Afterpay 2/5 · US Identity Verification: I cannot verify identity and everything is correct , chat is no help
8. [R28] Afterpay 1/5 · US Support sucks: Froze my account for no reason. Told me to send pictures to get it unfrozen. I did and it’s still frozen. Support hasn’t responded in days.
9. [R6] Afterpay 3/5 · US One hour missed payment?!: You guys really dropped my spending limit $700 for a missed payment that was one hour late wow I don’t know about using you guys anymore because that’s just ridiculous. I had an $1800 spending limit and I miss my payment by one hour and you guys drop my spending limit to only $1100. Shame on you. It wasn’t even a whole day overdue and you guys decrease my spending limit
10. [R9] Afterpay 3/5 · US Its okay: Afterpay is okay. But they only thing i dont like is when they try to take a payment off your card at 6 in the morning and you paycheck dont hit till 3-4 in the afternoon and once it hit you make a payment and they lower your credit limit down. And they say you are late even though the day is not over with. I like zip way bettet
11. [R16] Afterpay 2/5 · US It’s okay: Firsti thought afterpay was the best !!! Then my check was delayed by 4 days I paid my bill they paused my account told me I had to built good payment history back up after being with them 2years !!! Definitely paying them off and never using again
12. [R30] Afterpay 1/5 · US Opción muy regular: Le doy solo una estrella por que no puedo entender como es posible que luego de tener un historial limpio de compras y pagos por una vez que no pude pagar a tiempo una cuota la cual pague a los 5 dias despues me bajaran de tener 600 para gastar a tener 100 😞 en verdad tenia pensado hacer unas compras con la cantidad que ya tenia disponible y de un momento a otro me quitaron esa
13. [R3] Afterpay 3/5 · US It’s good but..: This app is great the only thing is Ive been using it for a while and have a lot of money I can use for my limit but they don’t give eligibility to everyone for them to have a afterpay card where they can use it in store so you would think with what I have they would trust me enough for the card but according to the support team they practically pick and choose who gets the card m
14. [R31] Afterpay 1/5 · US Sucks: Zip is way better, can use zip virtually anywhere. Afterpay you cannot. Unless you want to pay a monthly subscription. Afterpay gives a spending limit you can’t even use. Have a credit line over 650 dollars and can only use 25 dollar coverage at select stores. It’s basically useless.
15. [R23] Afterpay 4/5 · US Weird: I’ve used this app for years but lately it had been asking me for social security number which I don’t have so I stopped using it.. I checked yesterday and payed some stuff with afterpay and it was approved without asking me for ssn … wonder why they changed it again
16. [R33] Afterpay 1/5 · US Zero stars: I had used Afterpay from Nov 2020-June 2026. I always paid on time and had built up over $2k credit line. They decided to randomly freeze my account for an identity check and requested a copy of a photo id and a bank statement. I have no problem scanning my id; however, my bank statements are NONE of their business. They have records of my payments and I’m not providing them with inv
17. [R45] Afterpay 1/5 · US Worst app ever: Don’t get this app it’s a scam once you put your same name on id on account and other personal information then try to get a Afterpay card and put your personal information again they act like your same personal information is wrong after you keep putting right information a scam stay away stay away stay away
18. [R46] Afterpay 1/5 · US Ssn?: Why do I have to share my personal information just because I’m using you as an intermediary? That doesn’t make sense.
19. [R52] PayPal 5/5 · US LUZ: BIEN
20. [R53] PayPal 3/5 · US App runs so slow: App runs so slow. It takes forever to bring up the home page and then trying to get to the screen to unlock it is horrible as well. My app is updated to the latest update. I’ve had PayPal over 10 years please fix this
21. [R54] PayPal 1/5 · US Subpar: DO NOT USE PAYPAL. This is the third time I have used pay in 4. They approve it and charge your bank the down payment 3 times and hold the money for 3 days. They blame the vendor and say there is nothing they can do. Fraud. Stay away use any other payment system
22. [R56] PayPal 3/5 · US PayPal: I find PayPal very unhelpful I have moved to another country and need to either change or open a new PayPal account not really sure what to do because no one from PayPal will assist me
23. [R65] Affirm 1/5 · US Non existent customer service: I’ve had a minor technical issue that should be easy to resolve yet their service is a maze of AI bots and human chat agents that close the conversation before it’s ever started
24. [R66] Affirm 5/5 · US Excellent!: I highly recommend Affirm. You can’t go wrong. I’m ready to dump my credit cards and just use affirm, honestly.
25. [R67] Affirm 3/5 · US Purchasing Power: Purchasing power is annoyingly inconsistent. Like if I’m approved for a certain amount, tell me that. If I’m not approved, tell me that. A constantly fluctuating number is not helpful.
26. [R68] Affirm 1/5 · US Bs purchasing power: Says “YOU HAVE $700 SPENDING POWER” but yet it can’t give me any plans for a $200 order? AI assistant says the $700 is an “estimate” which would still make no sense not being able to do anything with a $200 order not even letting me pay half up front. App is pointless and misleading
27. [R79] Dave 2/5 · US High fees: I’ve used Dave for years but they are using tricks to have you come out of pocket with unnecessary fees. There are a lot out there that have better terms.
28. [R80] Dave 5/5 · US Love Dave!: Dave has helped me multiple times! Dave learned my payday patterns and makes my payday the due date. Just verify before you submit. Dave will accommodate if you need a minor extension as well. Super easy and will use in the future again if needed!
29. [R81] Dave 3/5 · US Review: Repayment takes to long Ok
30. [R82] Dave 2/5 · US Dave: It’s good but it really scams sometimes when you get 700$ one week then the following week you get 300$ it sucks
31. [R93] Zip 1/5 · US NO WARNING ABOUT PENDING TRANSACTIONS: Who orders fast food to pick up on 24 hours? Must be the staff at Zip… I ordered and got my pickup time only to arrive at a restaurant with no confirmation and no order placed . Reopening the app said transaction is pending BUT Zip gave a pickup and no warning about pending payments. ALSO there nobody on the help lines (no supervisor) who can escalate help
32. [R94] Zip 5/5 · US Yooo: Get hip wit zip ayyeee
33. [R95] Zip 1/5 · US I need my refund: Printing fake payments to pay merchant.. running leave there Calculating due amount without transaction they don’t complete
34. [R96] Zip 5/5 · US Bunch: Awesome love zip
35. [R29] Afterpay 1/5 · US Support is useless: Horrible customer service do not waste your time
36. [R32] Afterpay 1/5 · US The auto fill button does not work on Walmart: This is a non-stop issue with after pay and it’s app only. It cannot auto fill on Walmart.com and does not give any other option other than the stupid autofill option that is non-functional
37. [R39] Afterpay 1/5 · US Won’t let me pay or use a single use card: Yesterday I tried to order some things from Amazon and it kept getting declined. Today I tried paying on my order and my card declined and I know I have plenty of money in my account so idk. Must be a glitch but it’s pretty annoying and customer service were no help.
38. [R75] Affirm 1/5 · US Spending power is a lie: Needed to use Affirm in an emergency and was relieved to see my spending power is $2680, except it was all a lie. The reasons they give don't match their own terms. If they'd have been honest upfront I could have figured out another payment method in time, but I'm missing vacation with my family because of deadlines hit while hearing false information from support.