Affirm
Affirm is another buy now pay later app that Amazon and more than 11,000 other online retailers use. However, it is meant to pay off more expensive purchases and is done in smaller installments. So, if you’re gifting the Apple Watch Series 7, a new gaming console, or any other big-ticket items this holiday season, Affirm is a great option. Affirm offers payment plans ranging between three months to two years, with interest rates between zero and 30%. There are no late fees, but try not to miss a payment because that could harm your credit score.
Affirm is available for free in the App Store and the Play store.