Top 10 Apps and Sites Like Perpay No Credit Check [Verified List]

Who doesn’t want to shop without thinking of their bank balance? You said “YES”, right? Thankfully, that’s a possibility now with apps like Perpay that focus on buy now, pay later services! As fantastic alternatives to credit cards with great flexibility, zero interest, and instantaneous credit checks, buy now, pay later services are expanding rapidly, ensuring their continued existence.

While Perpay is a good option, it might not be the best for you. And there are a number of alternatives or Perpay-like websites that you can choose instead! In this article, we will focus on the top apps and websites similar to Perpay. But first, what is this app?

What Is Perpay?

Perpay gives customers a new way to build credit and pay for things. It lets customers pay for their purchases over time without having to worry about interest or fees. Through their app or website, customers can simply pay for their purchases in installments. And given its accessibility, there are a number of competitors or apps similar to Perpay.

This and other apps like Perpay offer similar benefits that make buy now pay later sound exciting!

Benefits Of Buy Now Pay Later Apps

  • Soft Credit Check:
    In contrast to loan or credit card applications, BNPL applications rarely perform a hard credit check, which can temporarily lower your score. Additionally, if you are concerned about having a low credit score, apps like Perpay might make it easier for you to get approved than a conventional lender.
  • Easy & Quick:
    The payment plans offered by BNPL apps are renowned for their simplicity and ease of use. You can sign up for a BNPL payment plan in a matter of minutes because applications are quick and integrated directly into the checkout process.
  • No Interest:
    BNPL arrangements demand no charges or interest. But, they have a set reimbursement plan that is typically half a month or months long. Each time, the expense is unveiled in the open, and it is usually the same amount. It is like credit cards and loans, but better.
  • No Fees & Charges:
    Most of the time, BNPL payment options don’t cost anything extra. Everything is made abundantly clear to the customer right from the start. But, interest will be added if a customer misses the payment deadline. 

The processing fee that is associated with conventional credit systems has been completely eliminated by BNPL services. The installment technique is undeniably more reasonable and advantageous than other methods.

Verified List of Top 10 Websites & Apps Like Perpay To Buy Now Pay Later

S. No.Apps Like Perpay
2.Amazon BNPL

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Best Sites & Apps Like Perpay

1. Splitit

Splitit is one of the Perpay like websites that enhances the buying experience through installment payments. This is one of the apps similar to Perpay that enables retailers, merchants, and stores to reach a larger audience. It does not steal existing customers or user data from retailers.

This fintech service neither conducts rigorous credit checks nor charges interest rates. It is a free app where only linking your credit or debit card and creating an account are required. Your first installment will be charged to your card immediately, and subsequent payments will be charged automatically on the date you choose. The app also lets you make manual payments at any time.

2. Amazon BNPL

Amazon BNPL is a new method for shopping on Amazon, where you can pay for your purchase over time without incurring interest. There are no expenses or punishments for early reimbursement, and you can browse different reimbursement plans.

BNPL is available on some products sold by Amazon and some products sold by third parties. You must be an Amazon customer and have a valid credit or debit card in order to use it. 

You’ll have to give your name, address, contact data, and credit/charge card number and will likewise be approached to make a username and secret word. These features make it one of the apps like Perpay.

3. Zebit

Zebit is one of the websites similar to Perpay that offers a free and no-interest online shopping service. It provides customers with a line of credit up to $2,500 that can be paid off over time without accruing interest or fees. You must be 18 years old to open a Zebit account, and Zebit may verify your identity and employment status.

The best thing about Zebit is that your credit rating won’t be impacted in the application cycle. Its market contains various items, including PCs, home merchandise, gadgets, furniture, health gear, and more.

4. Klarna

Klarna is among the sites like Perpay no credit check and provides post-purchase payments, direct payments for online storefronts, and other online financial services. Customers can use its in-store and online point-of-sale loans at well-known retailers like Macy’s, Etsy, Sephora, and Foot Locker to buy now and pay later.

You can pay in four equal installments every two weeks, each of which is charged interest. However, there is obviously no penalty for early payment, but the company may charge a late fee of up to $7 if the payment fails after two attempts.

5. Sezzle

Sezzle has a pay-in-four plan that is both online and in stores at thousands of retailers, including Target. This is one of the sites similar to Perpay that offers a pay-in-four payment plan. So, the cost of your purchase will be divided into four equal payments, each is two weeks apart, with the first payment due at the time of purchase.

As one of the websites like Perpay, it does not charge late fees, but if you miss a payment, it will deactivate your account after 48 hours. It will also charge a reactivation fee of up to $15 before you can use it again. After your initial payment, Sezzle may also charge a fee of up to $5 if you pay with a debit or credit card.

6. Zip

Zip also employs the pay-in-four strategy. So again, your purchase is divided into four equal payments, with the first due at the checkout. These payments are due every two weeks. It plays out a delicate credit check. After that, the company does not make its customer approval process public. It will probably depend on the amount of money on your debit or credit card, your relationship with Zip, and the price of the item.

This is also one of the sites like Perpay, but it charges a monthly fee. Depending on the purchase amount, this fee, which is essentially interest, can be anywhere from $4 to $6.

7. Uplift

You can buy a tour, vacation, hospitality, travel, or holiday package through Uplift on credit terms and spread the cost out over a set number of months. You can use the platform as a method of payment to make purchases of services and products on partner websites, where you can select that method of payment.

It also does not charge prepayment penalties, late repayment fees, or credit purchase fees. This is one of the other websites like Perpay, and the catch is that you need to search for services and packages on the partner website first as you can sometimes be required to make a down payment.

8. Affirm

Affirm is among the apps like Perpay that are available on both Android and iOS. It does not charge any hidden fees or late fees, and depending on the size of your purchases, it does not charge interest on your payments.`

On Affirm, you pay exactly what you see, as opposed to some other buy-now-pay-later platforms, where some fees are added. The app lets you buy a lot of different things, like clothing, accessories, health products, electronics, travel packages, and toys and games, among other things.

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9. Afterpay

With Afterpay, you can simply shop online or in person at participating stores. The first of the four payments will be made when you are ready to check out. Over the course of six weeks, the remaining payments will be made every two weeks.

Using Afterpay won’t affect your credit score because it doesn’t run credit checks or report late payments. Limits for spending money start at $500 and go up as you use the app responsibly. Plus, late payments are subject to a fee of up to $8 or 25% of your original order amount, whichever is greater. This is one of the Perpay-like websites but it stands out among other buy now, pay later services such that you’ll never pay interest.

10. PayPal

Millions of online stores worldwide accept PayPal as a payment method. The pay in 4 option that it offers helps to shop in any event. You can shop without incurring any interest once you sign up and receive an instant purchase approval.

Despite the fact that the credit limit for this method of payment is only $1,500, this is one of the apps similar to Perpay that guarantees that you will always get a good deal on every purchase. In addition, if there are any issues with the product, each transaction is protected by purchase protection and can be refunded.


The market has a lot of buys now, pay later apps like Perpay that come with benefits for both merchants and customers. This article has a list of apps and websites that have such features and make payments easier. 

These buy now, pay later shopping apps can be beneficial but also risky. It’s enticing to buy things that might not be in the budget, and these applications can assist you with making little regularly scheduled installments. So be mindful and use these apps properly. Also, be wise and choose the best app for your needs!

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