Affirm is a fintech company that offers point-of-sale loans for online purchases, allowing consumers to pay for their purchases over time with...
Best PayPal Pay in 4 Alternatives ranked by AI · updated Aug 2026
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PayPal Pay in 4 lets eligible customers divide qualifying online purchases into four payments through their PayPal account. It is designed for shoppers who already use PayPal and want installment checkout without opening a separate retail account.
Developer: PayPal
Price: No interest; no late fees in Australia; eligibility and availability vary
🎯 paypal.com/au
Top 6 PayPal Pay in 4 alternatives
Afterpay is a 'Buy Now, Pay Later' service that allows customers to purchase products and pay for them in installments.
Free for customers, merchants pay transaction fees
Klarna is a Swedish payment service provider that takes end-to-end responsibility for your payment. Buy now, pay later. A smooth shopping experience.
Variable
Splitit is a payment solution that enables consumers to pay for purchases with an existing credit or debit card by splitting the...
Zip Pay is an Australian buy now, pay later account for shoppers who want to split purchases into interest-free repayments. It provides...
Pros
- Reusable account is more flexible than one-off installment products
- Offers interest-free repayments for eligible purchases
- Digital card can be used across participating online and physical retailers
Cons
- Monthly fee can make it more expensive than fee-free alternatives
- Lower acceptance than Afterpay and PayPal at some retailers
- Credit limits and approval criteria vary by customer
No interest; $9.50 monthly fee if balance remains; late fees may apply
6
Sezzle allows users to split payments into 4 interest-free installments for online purchases.
Pros
- Interest-free payments
- No impact on credit score
Cons
- Limited to participating merchants
- Fees for merchants
Free for users, fees for merchants
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