Top 5 Companies Like Affirm – Affirm Alternatives

Founded by Max Levichen, Paypal’s founder, Affirm is one of the leading financial tech companies around the globe. With the increasing popularity of e-commerce, buy now pay later companies like Affirm are growing too. Affirm, no doubt is one of the best financial tech companies in the world. However, a lot of people are feeling the need for sites like Affirm or Affirm alternatives. In this article, we’ve covered the best alternatives of Affirm for POS finance.

A lot of people aren’t eligible for credit card, which they wish they were. Affirm works as a substitute to credit card transactions and purchases. Creating an account on Affirm and getting started with its credit transactions is extremely simple. Let us look at some similar sites to Affirm for credit transactions without requiring a credit card.

Companies Like Affirm – Affirm Alternatives

A lot of buy now pay later sites like Affirm have come up in the market these days. With the growing competition among these POS companies, the plans are getting better and the offers are getting even more beneficial. In such a scenario, you wouldn’t want to stick with Affirm for sure and are looking for Affirm alternatives. Here are some of the best alternatives to Affirm we’ve handpicked for you:-

1. Wonga

Wonga has revolutionized credit transactions for people living in UK. This company provides short term transparent credits to its customers. This leading POS finance company has some of the most flexible plans of credit repayment. Currently, Wonga is exclusive to US citizens only.

Wonga is a completely legal point of sale company that provides credit transactions. In order to transact through Wonga, all you have to do is select Wonga as the payment method while transacting at an online retailer. Wonga is transparent in its plans and have no hidden charges like most other financial tech companies.

2. Zest Finance

Zest finance is another great alternative to Affirm that has been in the market since over a decade. Being an older player of the niche, this site is extremely credible and trusted. Zest uses machine learning and artificial intelligence for faster, secure and powerful credit transactions.

Before you start transacting through Zest, you can watch an overview of how the company works or just go for the free demo provided by the company. This company has two credit plans, namely; ZAML Platinum and ZAML Silver. You can choose the plans as per your requirement and ability to pay it back.

3. Peerform

Peerform is a leading online financial tech company that provides credits or loan transactions. This company does not have any hidden charges and is completely transparent from the sign up to the transaction method. The plans are super flexible and cab be extended as per the requirement and eligibility.

The plans and loans can be customized as well as the prime consumer loans offer some extra offers that the normal users wouldn’t be eligible for. All in all, this is one of the best picks if you’re looking for companies like Affirm.

4. Earnest

Earnest is one of the best loan companies when it comes to offers and plans. The plans that this company provides are extremely convenient. There are separate plans for students, parents as well as for personal usage. Customers can select from three plans, namely; student refinancing, parent refinancing and personal loans.  

Earnest has one of the lowest repaying interests that wouldn’t make a whole in your pocket. This company uses various data driven analytics to provide you with the best loan or credit offers.

5. Zebit

Zebit is one of the most convenient credit sites when it comes to loan approval. Anyone above or of 18 years of age is eligible for the credit transactions through Zebit.

Unlike most POS companies, Zebit does not require you to have a good credit score in order to be eligible. Plans are super smooth, transactions are fast and the offers are completely transparent.


With Affirm becoming a popular credit card alternative, people are feeling the need for companies like Affirm. In the article above, we’ve mentioned some of the best alternatives of Affirm available in the market at the moment. Comment below and let us know your favorite alternative.

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