Best FLOA Alternatives in 2026

Updated October 2026

20 apps from buy now, pay later platforms ranked against FLOA on the same published basis.

FLOA alternatives compared

#	App	Score	Free plan	From	Runs on
1	Tabby	7.3	Free plan	Free	Android, API, iOS, Web
2	Afterpay	7.1	Free plan	Free	Android, API, iOS, Web
3	Atome	7.1	Free plan	Free	Android, API, iOS, Web
4	Sunbit	6.7	No	—	Android, iOS, Web
5	Aplazo	6.6	No	—	Android, API, iOS, Web
6	Oney	6.6	No	—	Android, API, iOS, Web
7	Sezzle	6.6	No	$13.99/mo	Android, API, iOS, Web
8	Affirm	6.5	No	—	Android, API, Browser, iOS, Web
9	Kueski Pay	6.5	No	—	Android, API, iOS, Web
10	Zip	6.5	No	—	Android, API, Browser, iOS, Web
11	Scalapay	6.1	No	—	Web, iOS, Android
12	Addi	6.0	No	—	Web, iOS, Android
13	Klarna	6.0	No	—	Web, iOS, Android
14	Riverty	6.0	No	—	Web, iOS, Android
15	Tamara	6.0	No	—	Web, iOS, Android
16	Zilch	6.0	No	—	Web, iOS, Android
17	Billie	5.8	No	—	Web
18	Katapult	5.8	No	—	Web
19	Mondu	5.8	No	—	Web
20	Snapmint	5.8	No	—	Web

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What is the best alternative to FLOA?

Tabby, number 1 in buy now, pay later platforms with a score of 7.3 out of 10. The others here: Afterpay, Atome, Sunbit and 16 more.

What is the best free alternative to FLOA?

Tabby is the best-ranked alternative with a free plan. 3 of the 20 alternatives here publish a free plan on their own pricing pages.

How are these alternatives ranked?

Ranked on what each maker publishes: documentation depth, a free tier and the platforms it runs on.