Beyond the traditional pay-in-four lending services, Affirm provides payment options. Customers are given various financing options during the checkout process, allowing them to select the period and payment amount that work best for them. Beyond its pay-in-four loans, Afterpay does not currently provide any more financing choices. Instead, it concentrates on these brief, interest-free loans as it continues to expand internationally and build out its merchant network.  Because Affirm offers a variety of payment alternatives, does not impose late fees, and may help you establish credit through your on-time payments, it is our preference over Afterpay. In addition, a credit card that enables eligible purchases to be paid off over time without incurring any additional fees or interest will also soon be available.