Showing 8 providers · Last updated: 2026-03-11
Zip Money
Zip Co
$50,000
Max Spend
Flex
Payments
✅
Late Fee
⭐ 4.3
App Rating
humm big things
humm Group
$30,000
Max Spend
Flex
Payments
✅
Late Fee
⭐ 3.9
App Rating
StepPay
Commonwealth Bank
$4,000
Max Spend
4x
Payments
✅
Late Fee
⭐ 4.7
App Rating
Afterpay
Block (Square)
$2,000
Max Spend
4x
Payments
$10
Late Fee
⭐ 4.8
App Rating
humm little things
humm Group
$2,000
Max Spend
5x
Payments
✅
Late Fee
⭐ 3.9
App Rating
Klarna
Klarna Bank AB
$2,000
Max Spend
4x
Payments
✅
Late Fee
⭐ 4.6
App Rating
LatitudePay
Latitude Financial
$1,500
Max Spend
10x
Payments
$10
Late Fee
⭐ 3.8
App Rating
Zip Pay
Zip Co
$1,000
Max Spend
Flex
Payments
✅
Late Fee
⭐ 4.3
App Rating
Quick Comparison Table
| Provider | Max Spend | Payments | Late Fee | Interest | Rating |
|---|---|---|---|---|---|
| Afterpay | $2,000 | 4x | $10 | 0% | ⭐ 4.8 |
| Zip Pay | $1,000 | Flex | ✅ None | 0% | ⭐ 4.3 |
| Zip Money | $50,000 | Flex | ✅ None | 25.9% | ⭐ 4.3 |
| humm little things | $2,000 | 5x | ✅ None | 0% | ⭐ 3.9 |
| humm big things | $30,000 | Flex | ✅ None | 0% | ⭐ 3.9 |
| Klarna | $2,000 | 4x | ✅ None | 0% | ⭐ 4.6 |
| LatitudePay | $1,500 | 10x | $10 | 0% | ⭐ 3.8 |
| StepPay | $4,000 | 4x | ✅ None | 0% | ⭐ 4.7 |