Affirm Alternatives

    Affirm is described as 'offers easy financing - without a catch. There are no gimmicks like deferred interest or hidden fees, so the total you see at checkout is always what you’ll actually pay'. There are seven alternatives to Affirm for a variety of platforms, including Online / Web-based, Android, iPhone, Android Tablet and iPad. The best alternative is Splitit. It's not free, so if you're looking for a free alternative, you could try Upstart or Karrot. Other great apps like Affirm are Vouch (Free), Earnest (Free), CommonBond (Free) and FundMore.ai (Paid).

    This page was last updated May 18, 2021

      • Windows
      • Online
      Splitit is a unique service that enables consumers to pay for their Retail or Web purchases using their existing credit cards and divide the total cost across as many interest-free payments as they choose, without completing a credit application or qualifying for a new credit...
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      • FreeProprietary
      • Online
      A smarter loan. You earned it. Upstart is an online lending platform that uses data to bring together high potential borrowers and investors.


      • FreeProprietary
      • Online
      Get Personal Loans Online in Minutes Karrot offers quick, online personal loans up to $35,000 with 36- and 60-month payment terms and fixed rates as low as 6.44% APR for the life of the loan. Find out your rate in minutes and have the funds in your bank as soon as tomorrow!
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      • FreeProprietary
      • Online
      • Android
      • iPhone
      • Android Tablet
      • iPad
      With Vouch loans you are more than a credit score, because you create a network of people who sponsor you. Sponsor people you trust and invite people to sponsor you. When people sponsor each other they can help each other get better loans.
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      • FreeProprietary
      • Online
      Earnest is a technology enabled lender that evaluates a person’s full education, employment, and financial profile.
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    1. CommonBond provides online lending that makes education finance better.
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    2. FundMore-ai is an automated underwriting system that uses machine learning to streamline the pre-funding process for loans.
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