如果您是狂热的在线购物者(online shopper)，您可能已经注意到甚至使用过一项名为Afterpay的服务。这是一家与在线零售商合作的公司，让他们的客户可以选择在一段时间内以增量方式支付他们的产品。
不过， Afterpay(Afterpay)实际上并不是唯一的此类服务。还有很多其他人提供类似的方式来支付您的在线购买费用。这些服务有一些与Afterpay(Afterpay)不同的功能，所以如果你喜欢使用它，但想知道还有什么，那么看看这些其他公司是值得的。
因此，这里是您购物时使用的最佳 Afterpay 替代方案。
1. 四方支付(Quadpay)
这种后付费服务非常有用，因为您可以在任何接受Visa的商店中使用它，而不仅仅是该公司的特定合作伙伴。这意味着您几乎可以对任何在线购买进行四次分期付款。
这项服务的工作原理是通过Quadpay为您提供自己的卡，然后您可以用它来支付您的购买费用。然后，通过该应用程序，您可以在六周内偿还。您还可以将此卡与您的Apple(Apple)或Google钱包一起用于店内购物。
这种付款方式也是免息的，这意味着您不会因使用该服务而产生任何额外费用，您只需支付所购买的费用。
2. 确认(Affirm)
如果您需要更灵活的付款时间表，Affirm允许您选择在什么时间段内付款。您可以选择在结账时与使用该服务的零售合作伙伴一起使用Affirm 。这包括沃尔玛(Walmart)、塔吉特(Target)、阿迪达斯(Adidas)等商店。
Affirm与其他(Affirm)Afterpay替代方案有点不同，因为它确实收取利息，尽管它是单利而不是复利。因此，您将确切知道需要预先支付多少，并且该金额不会随着时间的推移而改变。
如果您忘记付款，您也不会被收取任何滞纳金或罚款。特别是对于较大的采购，Affirm是一个不错的选择。
3.咀嚼(Sezzle)
Sezzle与其他后付费服务非常相似，因为它在六周内将付款分成四个增量。它也是免息的，每个订单最多可以重新安排三笔付款，以最大限度地提高付款的灵活性。
但是，如果您没有按时完成付款，或者您的第二次或第三次重新安排的付款， Sezzle会在某些情况下收取费用。(Sezzle)但是，它是一项很好的服务，可用于与小型和大型企业以及可能尚未与Afterpay合作的企业购物。
4.克拉纳(Klarna)
Klarna 与许多大型在线零售商(online retailers)一起使用，例如亚马逊(Amazon)、H&M 和阿迪达斯(Adidas)等。您也可以使用Klarna应用程序轻松搜索每家可购买的商店。这项服务与许多其他服务的工作方式相同，因为您随着时间的推移以四次免息增量支付。
使用Klarna，您每两周付款一次，如果您按时付款，总共可以支付八周。您也只需要在收到产品后 30 天开始付款，这样您就可以决定是否要退回您购买的产品。Klarna还提供融资服务，您可以将其用于大额付款，并在 6-36 个月内偿还。
Klarna是 Afterpay 的绝佳替代品，因为它具有许多相同的功能，并且与许多大型企业一起使用，因此您几乎可以在任何地方使用该服务。它还具有类似于 Quadpay 的功能，允许您通过在您的Apple(Apple)或Google钱包中给您一张一次性卡来在店内使用该服务，然后以四次为增量支付您的购买费用。
5. 拆分(Splitit)
Splitit有许多零售合作伙伴，您可以在这些合作伙伴处购物，然后使用他们的服务进行支付，这与其他稍后付款服务使用的 4 次付款增量系统相同。使用Splitit，您可以使用现有的信用卡或借记卡并将其连接到服务，这样您就可以分期付款。这也是另一种免息选择。Splitit也没有滞纳金。
因此，有了Splitit，您可以在任何可以使用Visa或Mastercard信用卡或借记卡的地方使用这项服务。这意味着它几乎可以在任何地方工作。如果您想从其他人尚未合作的商店购买，那么 除了Afterpay之外，这是一个不错的选择。(Afterpay)
使用“先买后付”服务(Using Buy Now Pay Later Services)
这些服(Afterpay)_ 特别是因为他们中的许多人几乎没有兴趣，所以您不必担心任何累积的债务。
通过所有这些选项，现在可以使用稍后付款的方式来购买您想购买的几乎任何东西，无论是在线还是店内。只要(Just)确保您对每项服务都遵循正确的方法，您就会立即享受新购买(enjoying your new purchases)的产品。
5 Best Afterpay Alternatives to Shop Now and Pay Later
If you’re an avid online shopper, you may have noticed or even used a service called Afterpay. This is a company that partners with online retailers to give their customers the option to pay for their product in increments over a certain period of time.
Afterpay isn’t actually the only service like this out there, though. There are quite a few others which offer a similar way to pay for your online buys. These services have some different features than Afterpay does, so if you enjoy using that but are wondering what else is out there, it’d be worth it to look into these other companies.
So here are the best Afterpay alternatives to use while you shop.
This pay later service is very useful as you can use it with any store that accepts Visa, not just specific partners with the company. This means you can do four payment installments on nearly any purchase online.
This service works by essentially giving you your own card through Quadpay, which you can then use to pay for your purchases. Then, through the app, you can pay it back over a six-week period. You can also use this card for in-store purchases by using it with your Apple or Google wallet.
This payment method is also interest-free, meaning you won’t have any added charges for using the service, you simply just pay for what you bought.
If you need a more flexible payment schedule, Affirm allows you to choose in what time span you pay for your purchases. You can choose to use Affirm at checkout with the retail partners using the service. This includes stores like Walmart, Target, Adidas, and more.
Affirm is a bit different than other Afterpay alternatives, as it does charge interest, though it is simple interest as opposed to compound interest. So you’ll know exactly how much you’ll need to pay up front, and that amount won’t change over time.
You also won’t get charged any late fees or penalties if you forget to make payments. Especially for larger purchases, Affirm is a good choice.
Sezzle is very similar to the other pay later services in that it splits up payments into four increments over six weeks. It’s also interest-free, and you can get up to three rescheduled payments per order to maximize flexibility with your payments.
However, Sezzle does charge fees in certain situations if you don’t complete a payment on time, or on your second or third rescheduled payment. It’s a good service to use, however, to shop with small and large businesses as well as businesses that may not already be partnered with Afterpay.
Klarna is used with lots of large online retailers, such as Amazon, H&M, and Adidas, among others. You can use the Klarna app as well to easily search through every store available to buy from. This service works the same as many of the others, as you pay in four interest-free increments over time.
With Klarna, you pay every two weeks, for a total of eight weeks if you make each payment on time. You also only need to start paying 30 days after you receive the product, so you can decide whether you want to return what you bought. Klarna also has a financing service you can use for larger payments, and pay back within 6-36 months.
Klarna is a great alternative to Afterpay in that it has many of the same features, and is used with many large businesses so that you can use the service almost anywhere. It also has a feature similar to Quadpay that allows you to use the service in-store by giving you a one-time card in your Apple or Google wallet, and then pay for your purchase in four increments afterwards.
Splitit has many retail partners that you can shop at and then use their service to pay in the same 4-payment increment system used by other pay later services. With Splitit, you use your existing credit or debit card and connect it to the service so that you can then pay by installments. This is also another interest-free option. There are also no late fees with Splitit.
So with Splitit, anywhere that you can use a Visa or Mastercard credit or debit card, you can use this service. That means it will work nearly anywhere. It’s a good option aside from Afterpay if there is a store you want to buy from that others aren’t partnered with already.
Using Buy Now Pay Later Services
These services are great Afterpay alternatives to make purchases you may not otherwise be able to, or to be able to spread out payments over time to fit your budget. Especially since many of them have little to no interest, you don’t need to worry about any accumulating debt.
With all these options, it’s now possible to use the pay later method for virtually anything you want to buy, either online or in-store. Just make sure you follow the correct method for each service and you’ll be enjoying your new purchases in no time.
