SplitBuyLater is a popular buy now, pay later (BNPL) service that allows customers to split their purchases into multiple payments. However, there are several alternatives and competitors to SplitBuyLater that offer similar or enhanced features. In this article, we will explore the ten best SplitBuyLater alternatives and competitors in 2024.

1. Afterpay

Afterpay is a leading BNPL service that allows customers to split their purchases into four interest-free payments over six weeks. It offers features such as instant approval, no fees for missed payments, and real-time monitoring of spending limits. Afterpay also provides retailers with an easy-to-use integration platform and comprehensive fraud protection.

Pros: Afterpay offers a user-friendly interface, instant approval, and comprehensive fraud protection.

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Cons: Some users may find the four-payment limit restrictive compared to other BNPL services.

2. Klarna

Klarna is a popular BNPL service that allows customers to split their purchases into interest-free payments over time. It offers features such as flexible payment schedules, no late fees, and a smooth and easy checkout experience. Klarna also provides retailers with powerful analytics and insights to help them optimize their sales and improve customer retention.

Pros: Klarna offers flexible payment schedules, no late fees, and a smooth and easy checkout experience.

Cons: Some users may find the payment plans relatively expensive compared to other BNPL services.

3. Sezzle

Sezzle is a BNPL service that allows customers to split their purchases into interest-free payments over six weeks. It offers features such as automatic approvals, no hidden fees, and a simple and straightforward payment process. Sezzle also provides retailers with customizable payment options and detailed analytics to help them make data-driven decisions.

Pros: Sezzle offers automatic approvals, no hidden fees, and a simple payment process.

Cons: Some users may find the six-week payment plan restrictive compared to other BNPL services.

4. Affirm

Affirm is a BNPL service that allows customers to split their purchases into interest-free payments over time. It offers features such as transparent pricing, no late fees, and a fast and easy checkout experience. Affirm also provides retailers with powerful marketing tools and detailed analytics to help them increase sales and drive customer loyalty.

Pros: Affirm offers transparent pricing, no late fees, and a fast and easy checkout experience.

Cons: Some users may find the payment plans relatively expensive compared to other BNPL services.

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5. Quadpay

Quadpay is a BNPL service that allows customers to split their purchases into four interest-free payments over time. It offers features such as instant approval, no credit checks, and a simple and straightforward payment process. Quadpay also provides retailers with customizable payment options and detailed analytics to help them optimize their sales and improve customer retention.

Pros: Quadpay offers instant approval, no credit checks, and a simple payment process.

Cons: Some users may find the four-payment limit restrictive compared to other BNPL services.

6. Splitit

Splitit is a BNPL service that allows customers to split their purchases into interest-free payments using their existing credit card. It offers features such as no credit checks, no fees, and a seamless integration with retailer websites. Splitit also provides retailers with powerful insights and analytics to help them optimize their sales and increase customer satisfaction.

Pros: Splitit offers no credit checks, no fees, and easy integration with retailer websites.

Cons: Some users may find the service limited to customers with credit cards from specific banks.

7. PayPal Credit

PayPal Credit is a BNPL service that allows customers to split their purchases into interest-free payments over time. It offers features such as no interest if paid in full within a certain period, no annual fees, and a simple and easy application process. PayPal Credit also provides retailers with powerful marketing tools and analytics to help them increase sales and improve customer loyalty.

Pros: PayPal Credit offers no interest for a certain period, no annual fees, and an easy application process.

Cons: Some users may find the payment plans less flexible compared to other BNPL services.

8. SplitPay

SplitPay is a BNPL service that allows customers to split their purchases into interest-free payments over time. It offers features such as instant approval, no fees, and a straightforward payment process. SplitPay also provides retailers with detailed analytics and insights to help them optimize their sales and improve customer satisfaction.

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Pros: SplitPay offers instant approval, no fees, and a straightforward payment process.

Cons: Some users may find the payment plans relatively expensive compared to other BNPL services.

9. ZipPay

ZipPay is a BNPL service that allows customers to split their purchases into interest-free payments over time. It offers features such as no credit checks, no interest if paid in full within a certain period, and a simple and fast checkout experience. ZipPay also provides retailers with customizable payment options and detailed analytics to help them optimize their sales and improve customer retention.

Pros: ZipPay offers no credit checks, no interest for a certain period, and a simple checkout experience.

Cons: Some users may find the payment plans less flexible compared to other BNPL services.

10. Laybuy

Laybuy is a BNPL service that allows customers to split their purchases into six interest-free payments over time. It offers features such as instant approval, no fees for missed payments, and a smooth and easy payment process. Laybuy also provides retailers with comprehensive fraud protection and detailed analytics to help them optimize their sales and improve customer loyalty.

Pros: Laybuy offers instant approval, no fees for missed payments, and comprehensive fraud protection.

Cons: Some users may find the six-payment limit restrictive compared to other BNPL services.

In conclusion, while SplitBuyLater is a popular BNPL service, there are numerous alternatives and competitors available in 2024. Whether you prioritize features such as interest-free payments (Afterpay, Sezzle), flexible payment schedules (Klarna, Affirm), or easy checkout experiences (Quadpay, PayPal Credit), these ten SplitBuyLater alternatives and competitors offer a range of options to help customers split their purchases into manageable payments and enjoy the convenience of BNPL services.