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3 tools selected
Affirm
Pay over time at checkout with transparent monthly plans
Toolora score84Paid
0–36% APR by credit
Sezzle
Pay in 4 at checkout, in-store or online, with optional credit-building on on-time payments
Toolora score82Free
Free to shoppers when paid…
Afterpay
Pay in four interest-free installments at checkout, in the app, or in store at partner brands
Toolora score82Free
Free to use; late fees if …
| Spec | Affirm | Sezzle | Afterpay |
|---|---|---|---|
| Category | Finance | Finance | Finance |
| Pricing | 0–36% APR by credit | Free to shoppers when paid on time; merchant fees apply | Free to use; late fees if you miss a payment |
| Toolora score | 84/100 | 82/100 | 82/100 |
| Best for | bnpl, checkout, payments, loans | bnpl, checkout, credit, payments | bnpl, checkout, payments, installments |
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