Apps like Affirm are popular for several reasons. For starters, apps like Affirm offer quick access to small cash loans that can help the average American get from one payday to the next. Many borrowers prefer apps like Affirm to the local bank because it’s easier to qualify for a loan and quicker to get a payout. Affirm is not the only app that offers quick access to cash. There are several affirm like apps in the USA that work the same but it must be noted that other apps like Affirm are somewhat limited and don’t offer too much in terms of flexibility. While Affirm offers loans up to $17,500, they only offer repayment terms of 3 to 12 (in some cases 36) months. Using alternatives to apps like Affirm, such as a loan-finder, you will get loan options up to $5000 only, which are easier to afford, and come with more flexible repayments of between 3 and 24 months.
While you can’t apply for apps like Affirm no credit check because credit checks are legally required in the US, several loan finders offer cash advances to borrowers with bad credit. Below, we feature our editor’s pick of the top five alternatives to apps like Affirm. The alternatives to financing apps like Affirm, featured below, provide viable finance to good and bad credit borrowers.
Best Apps Like Affirm in 2023 – Quick Overview
- Viva Payday Loans: Overall Best for Alternatives to Affirm Like Apps with Offers Up to $5000 with Fixed Monthly Installments
- Heart Paydays: Best for Alternatives to Other Apps Like Affirm with Low Interest Rates for Bad Credit Borrowers
- Low Credit Finance: Best for Alternatives to Apps Like Affirm and Klarna for Small Cash Loans Starting from $100
- Green Dollar Loans: Best for Alternatives to Apps Like Affirm No Credit Check for the Unemployed Borrower Generating $1000+ Per Month
- Big Buck Loans: Best for Alternatives to Apps Like Affirm and AfterPay for Students, Low-Income Earners, and Part-Time Workers
Apps Like Affirm For Buy Now Pay Later Cash Advances 2023 – Full Reviews
Viva Payday Loans: Overall Best for Alternatives to Affirm Like Apps with Offers Up to $5000 with Fixed Monthly Installments
Quick Ratings
- Decision Speed: 9/10
- Loan Amount Offering: 9/10
- Variety of Products: 9/10
- Acceptance Rate: 8/10
- Customer Support: 8/10
Viva Payday Loans is a loan-finder that successfully pairs borrowers with lenders offering alternatives to Affirm like apps that offer up to $5000 that you can repay with fixed monthly installments. Interest is standard with the lenders on the Viva Payday Loans panel, with most lenders requiring between 5.99% and 35.99% on alternative loans to Affirm like apps.
Highlights of Alternatives to Affirm Like Apps with Offers Up to $5000 with Fixed Monthly Installments
- Quick application
- Speedy decision-making
- Fast payout
- Easy terms
- Flexible loan amounts
Eligibility Criteria to Apply for Alternatives to Affirm Like Apps with Offers Up to $5000 with Fixed Monthly Installments
- Only 18+
- Income of $1000 per month
- Legal citizen/resident with a US bank account
Fees and APRs Charged on Alternatives to Affirm Like Apps with Offers Up to $5000 with Fixed Monthly Installments
- Penalties apply to missed payments
- Interest ranges from 5.99% to 35.99%.
Heart Paydays: Best for Alternatives to Other Apps Like Affirm with Low Interest Rates for Bad Credit Borrowers
Quick Ratings
- Decision Speed: 8/10
- Loan Amount Offering: 8/10
- Variety of Products: 9/10
- Acceptance Rate: 9/10
- Customer Support: 8/10
Heart Paydays offers a quick and easy application process for alternatives to other apps like Affirm. With alternatives to other apps like Affirm ranging from $100 to $5000 with APRs from 5.99% to 35.99%, most borrowers find these loans easy enough to pay back. Of course, the repayment terms are adjustable with 3 to 24 months available, depending on the loan amount.
Highlights of Alternatives to Other Apps Like Affirm with Low Interest Rates for Bad Credit Borrowers
- 100% online application
- Deal directly with lenders
- Various options available
- Flexible repayments
- Reasonable APRs
Eligibility Criteria to Apply for Alternatives to Other Apps Like Affirm with Low Interest Rates for Bad Credit Borrowers
- Earn $1k+ each month
- Be a USA citizen/resident
- Be at least 18 years old
Fees and Interest Rates Charged on Alternatives to Other Apps Like Affirm with Low Interest Rates for Bad Credit Borrowers
- APR between 5.99% and 35.99%
- Fees charged on late payments.
Low Credit Finance: Best for Alternatives to Apps Like Affirm and Klarna for Small Cash Loans Starting from $100
Quick Ratings
- Decision Speed: 8/10
- Loan Amount Offering: 9/10
- Variety of Products: 8/10
- Acceptance Rate: 9/10
- Customer Support: 8/10
If you’re only looking for small cash loans, the alternatives to apps like Affirm and Klarna available via Low Credit Finance are your best bet. These loans start as low as $100 and go as high as $5000. Interest is charged pretty standard, between 5.99% and 35.99%.
Highlights of Alternatives to Apps Like Affirm and Klarna for Small Cash Loans Starting from $100
- 3-24 months to pay
- Quick disbursement of funds
- Access to fast processing
- Direct lenders
- Affordable interest
Eligibility Criteria to Apply for Alternatives to Apps Like Affirm and Klarna for Small Cash Loans Starting from $100
- Must make $1000 per month
- Age of at least 18
- Only US bank accounts allowed
Fees and Interest Rates Charged on Alternatives to Apps Like Affirm and Klarna for Small Cash Loans Starting from $100
- Interest can go as high as 35.99%
- Lowest interest is 5.99%.
Green Dollar Loans: Best for Alternatives to Apps Like Affirm No Credit Check for the Unemployed Borrower Generating $1000+ Per Month
Quick Ratings
- Decision Speed: 8/10
- Loan Amount Offering: 8/10
- Variety of Products: 8/10
- Acceptance Rate: 9/10
- Customer Support: 8/10
If you’re generating at least $1000 per month but are not formally employed, you can apply for alternatives to apps like Affirm no credit check via the Green Dollar Loans platform. Monthly installments can be spread over 3 to 24 months, and you can expect the interest on loans between $100 and $5000 to be between 5.99% and 35.99%
Highlights of Alternatives to Apps Like Affirm No Credit Check for the Unemployed Borrower Generating $1000+ Per Month
- Quick application
- Feedback in 2 minutes
- Fast payouts
- Simple loan terms
- Flexible loan amounts
Eligibility Requirements to Apply for Alternatives to Apps Like Affirm No Credit Check for the Unemployed Borrower Generating $1000+ Per Month
- US bank account
- 18 and earning $1000+ per month
- US citizens and residents only
Fees and Interest Rates Charged on Alternatives to Apps Like Affirm No Credit Check for the Unemployed Borrower Generating $1000+ Per Month
- Penalties on missed/late payments
- Interest that ranges from 5.99% to 35.99%.
Big Buck Loans: Best for Alternatives to Apps Like Affirm and AfterPay for Students, Low-Income Earners, and Part-Time Workers
Quick Ratings
- Decision Speed: 8/10
- Loan Amount Offering: 7/10
- Variety of Products: 7/10
- Acceptance Rate: 8/10
- Customer Support: 7/10
If you’re looking for one of the most viable alternatives to apps like Affirm and AfterPay and you happen to be a student, low-income earner, or part time worker, you’ll enjoy the simple options available at Big Buck Loans. Big Buck Loans presents offers from lenders providing loans between $100 and $5000 with 3 to 24 months to pay and up to 35.99% APR.
Highlights of Alternatives to Apps Like Affirm and AfterPay for Students, Low-Income Earners, and Part-Time Workers
- Low incomes accepted
- Simple online application
- Find out if you qualify in 2 minutes
- Get up to $5000
- Flexible repayments
Eligibility Requirements to Apply for Alternatives to Apps Like Affirm and AfterPay for Students, Low-Income Earners, and Part-Time Workers
- Min income of $1k p/m
- US-based bank with direct deposit
- 18+ age
Fees and APRs on Alternatives to Apps Like Affirm and AfterPay for Students, Low-Income Earners, and Part-Time Workers
- Late/missed payments incur penalties
- Interest charged between 5.99% and 35.99%
How Did We Choose the Best Providers of Monthly Payment Apps Like Affirm?
We looked for loan finders offering:
- Simple application processes that anyone would find easy.
- Flexible loan amounts to suit all budgets.
- Repayment terms that are convenient and comfortable for all budgets.
- Transparent lending practices that provide peace of mind.
- Interest rates that are no more than 35.99% max.
Types of Alternatives to Monthly Payment Apps Like Affirm
Low Interest Alternatives to Monthly Payment Apps Like Affirm
Alternatives to monthly payment apps like Affirm come with low interest starting from 5.99%.
Unsecured, No Collateral Alternatives to Monthly Payment Apps Like Affirm
Alternatives to monthly payment apps like Affirm are provided unsecured. This means you don’t need to offer collateral or provide a down payment.
Alternatives to Monthly Payment Apps Like Affirm for Borrowers Earning $1000+ P/M
Low-income loans are readily available and make for the ideal alternatives to monthly payment apps like Affirm. You only have to earn $1000 per month to qualify.
Alternatives to Monthly Payment Apps Like Affirm for Unemployed
Unemployed individuals can access alternatives to monthly payment apps like Affirm ranging from $100 to $5000 if they generate at least $1000 per month via alternate means.
Bad Credit Alternatives to Loan Apps Like Affirm for Low Credit and No-Credit
If you’re a bad credit or no-credit borrower, you can access alternatives to loan apps like Affirm, with offers up to $5000 with up to 2 years to pay.
Factors and Features of Alternatives to Loan Apps Like Affirm
Alternatives to Loan Apps Like Affirm Payouts Once Approved
Alternatives to loan apps like Affirm pay out within 24 to 48 hours after approval.
Expected APRs on Alternatives to Loan Apps Like Affirm
Alternatives to loan apps like Affirm via a loan finder carry interest rates that range from 5.99% but don’t go over 35.99%.
Alternatives to Loan Apps Like Affirm from Direct Lenders
When using a loan finder to apply for alternatives to loan apps like Affirm, you’ll deal with accredited and transparent direct lenders which provides good peace of mind.
Alternatives to Loan Apps Like Affirm Repayment Expectations
If you opt for alternatives to loan apps like Affirm, you’ll get 3 to 24 months to repay your loan.
Top Five Providers of Alternatives to Payment Apps Like Affirm
| Alternatives to Payment Apps Like Affirm | Pros | Cons |
| Viva Payday Loans | Bad credit welcomeEasy application Fast payoutsResponsible lendingNo red tape | Costly |
| Heart Paydays | No payslipAll incomes acceptedFlexible loan amountsComfortable repaymentsNo hidden fees | APRs up to 35.99% |
| Low Credit Finance | Pay weekly, fortnightly, or monthlyPoor credit welcome100% onlineNo queues or callsFast disbursement | High interest |
| Green Dollar Loans | Quick applicationsDetailed loan contractsRegistered lendersSpeedy payoutFlexible loans | Penalties on missed payments |
| Big Buck Loans | Borrow up to $5000All credit scores welcomeQuick applicationFast turnaroundDirect lenders | High Interest |
How to Apply for Alternatives to Payment Apps Like Affirm
Follow these steps to apply via Viva Payday Loans:
Step 1: Select How Much You Need from Alternatives to Payment Apps Like Affirm
You can select from $100 to $5000.
Step 2: Complete the Application Form for Alternatives to Payment Apps Like Affirm
Access the form and follow the prompts to input your details.
Step 3: Feedback on Alternatives to Payment Apps Like Affirm Provided in Minutes
Wait two minutes for feedback. If you go ahead with a loan offer, a direct lender will set up a contract with you. Read the contract before signing it.
Step 4: Funds for Alternatives to Payment Apps Like Affirm Disbursed Quickly
Send the signed contract back to the lender and wait for your payout.
FAQ’s
What Other Apps Are Like Affirm that Offer Quick Access to Cash?
Some great alternatives to other apps like Affirm are Big Buck Loans, Low Credit Finance, Green Dollar Loans, Viva Payday Loans, and Heart Paydays.
What Other Apps Are Like Affirm That Don’t Do Credit Checks?
All lenders, even apps like Affirm, must carry out credit checks by law. That said, lenders on the abovementioned loan finder panels provide funds to bad credit borrowers.
What Other Apps Are Like Affirm Available to Unemployed People?
Loan finders can connect you with alternatives to other apps like Affirm that offer loans to unemployed individuals as long as they are generating at least $1k per month through other means.
What Financing Apps Like Affirm Have the Easiest Eligibility Requirements?
Loans finder sites offer some of the easiest eligibility requirements for online loans. You must be 18, a US citizen, earning at least $1k p/m, and have a US bank account.
What Financing Apps Like Affirm Are the Quickest to Apply With?
It takes just a few minutes to apply for alternatives to Affirm via a loan finder site. And within 2 minutes, you will have feedback on your application.
Do All Financing Apps Like Affirm Offer Large Loan Amounts?
No, while some do, others don’t. For instance, the Dave app only allows loans up to $500. But if you choose a loan finder site, you will most likely get access to loans up to $5000.
Will It Affect My Credit Score if I Can’t Pay Back Funds Provided by Financing Apps Like Affirm?
Yes, most financing apps report to the local credit bureaus. However, if you can’t afford to pay back your loan amount, it’s best to contact the lender or app provider and discuss payment plan options with them. This can help you to avoid a negative impact on your credit score.
Conclusion
If you’re looking into alternatives to apps like Affirm and want flexible loan amounts and terms, it’s strongly recommended that you try out the services offered by Viva Payday Loans. This loan finder site provides quick and easy access to funds for qualifying individuals. Pay a visit to the website and complete the application form to discover just how quick and easy the process is for you.
- Apps Like Moneylion
- Apps Like Cash App
- Apps Like Klarna
- Loans Like CashNetUSA
- Loans Like SpeedyCash
- Apps Like Brigit
- Apps like Possible Finance
- Apps like Floatme
- Apps Like SoloFund
Disclaimer: The loan websites reviewed are loan-matching services, not direct lenders, therefore, do not have direct involvement in the acceptance of your loan request. Requesting a loan with the websites does not guarantee any acceptance of a loan. This article does not provide financial advice. Please seek help from a financial advisor if you need financial assistance. Loans available to US residents only.