Financial technology platform Cicil provides flexible, installment-based payment solutions that make it easier to buy what you want when you want it. By letting shoppers split purchases into manageable payments, they help make higher-priced items more accessible without the hassle of traditional credit.
Cicil’s approach to seamless checkout, instant approvals, and transparent payment plans has built a loyal following. For those who love making purchases more budget-friendly, here are 19 similar brands that offer easy and effortless payment solutions.
1. Klarna
Klarna is a global leader in the "buy now, pay later" space, beloved for its sleek and straightforward checkout experience. It lets you split online purchases into four interest-free installments or pay in full within 30 days. Klarna's strength lies in its innovative shopping app, which acts as a hub for deals, wish lists, and managing payments.
Much like Cicil, Klarna focuses on creating a frictionless, interest-free payment process. However, Klarna has a much broader international presence and partners with a vast network of global retailers, from luxury fashion to everyday goods.
Shop now at klarna.com
2. Afterpay
A huge hit with younger shoppers, Afterpay makes online and in-store shopping more manageable by breaking down payments into four simple installments, due every two weeks. The platform is known for its complete transparency - if you pay on time, it's always interest-free.
Afterpay shares Cicil's goal of making payments clear and accessible, but it particularly excels in the fashion and beauty sectors across the US, UK, and Australia. Its user-friendly app makes it incredibly simple to track spending and stay on top of payments.
Shop now at afterpay.com
3. Sezzle
Sezzle operates on a mission of financial empowerment, helping users budget better by splitting purchases into four interest-free payments over six weeks. Its platform uses a soft credit check that doesn't impact your credit score, making it an accessible option for building positive spending habits.
While similar to Cicil in its goal to streamline payments, Sezzle places a strong emphasis on responsible spending and financial wellness. It’s a great choice for budget-conscious consumers who want a simple payment alternative without accumulating debt.
Shop now at sezzle.com
4. PayLater by Grab
Integrated directly into the Grab super-app, PayLater is incredibly convenient for users already in its ecosystem. It allows you to pay for rides, food delivery, and purchases from partner merchants in convenient installments or defer the full payment for 30 days.
Compared to Cicil's retail focus, PayLater by Grab is all about integration into daily life services. Its strength is offering instant, flexible payment options within an app millions already use for transportation and deliveries.
Shop now at grab.com
5. Razer Pay Later
Tailored specifically for gamers and tech enthusiasts, Razer Pay Later offers flexible installment plans on high-value items like gaming laptops, accessories, and other electronics. It caters to a digitally savvy audience that wants the latest gear without a massive upfront cost.
Like Cicil, Razer Pay Later makes big-ticket items more affordable through installment plans. However, its focus is highly niche, targeting the gaming community with instant loan approvals integrated directly into the Razer ecosystem.
Shop now at razer.com
6. Alfamart PayLater
Bridging the gap between digital payments and physical retail, Alfamart PayLater allows customers to shop for groceries and everyday essentials at Alfamart convenience stores and pay in installments. It makes routine purchases more manageable for its broad customer base.
Alfamart PayLater shares Cicil's model of flexible installments but applies it to the world of in-person, everyday retail. Its differentiator is the seamless ability to buy now and pay later for your daily household needs.
Shop now at alfamart.co.id
7. Atome
Atome is a leading buy now, pay later platform across Asia, known for its clean "pay in 3" model that splits any bill into three interest-free payments. With a strong presence in the fashion, beauty, and lifestyle categories, it partners with major brands to make shopping more accessible.
Atome is a direct competitor to Cicil in terms of targeting a similar young, budget-savvy audience in Asia. Its key draw is its simplicity and vast network of stylish and trendy partner merchants.
Shop now at atome.me
8. GoPayLater
As part of the Gojek super-app, GoPayLater provides users with a seamless way to defer or split payments for services within the app and at partner online stores. Because it's integrated with Gojek's trusted digital wallet, approval is often instant and hassle-free.
GoPayLater’s strength is its deep integration into an app that users rely on for everything from transport to bill payments. It offers the same convenience and instant access as Cicil but for a much broader range of everyday transactions.
Shop now at gopay.co.id
9. Toss Pay Later
Toss offers secure and easy installment payment solutions within its comprehensive mobile financial services app. Primarily popular in South Korea, it's known for its quick approval process and trustworthy environment for splitting payments on everything from peer-to-peer transfers to online shopping.
Similar to Cicil's user-centric model, Toss Pay Later prioritizes a secure and straightforward user experience. Its differentiator lies in being part of a trusted, all-in-one financial app that simplifies users' entire financial lives.
Shop now at toss.im
10. Splitit
Splitit offers a unique twist on installment plans by letting you use your existing credit card to split payments over time. Since it uses your available line of credit, there are no new applications, credit checks, or late fees. You just choose Splitit at checkout to break your payment into manageable monthly chunks.
Splitit aims for the same simplicity as Cicil but stands out by eliminating the need for a new loan or financial account. It’s an ideal choice for anyone who prefers to keep all their spending consolidated on a credit card while still enjoying interest-free installments.
Shop now at splitit.com
11. ZebPay Pay Later
Emerging from the world of cryptocurrency, ZebPay is integrating "pay later" models for digital assets and related products. This service targets tech-savvy consumers who are comfortable with digital finance and want more flexible ways to invest or purchase online.
While its niche in digital assets is very different from Cicil's retail focus, ZebPay Pay Later shares a commitment to providing modern, digital-first financing options for a new generation of consumers.
Shop now at zebpay.com
12. Blibli PayLater
Blibli PayLater is an integrated payment solution offered directly within the Blibli e-commerce platform. It provides shoppers with an easy way to purchase electronics, fashion, and home goods now and pay for them later with interest-free installment options, often alongside exclusive promotions.
Like Cicil, Blibli PayLater targets online shoppers who value flexibility. Its key advantage is being perfectly embedded into the Blibli shopping journey, offering a convenient, one-stop shopping and payment experience.
Shop now at blibli.com
13. Lazada PayLater
Lazada PayLater gives customers on one of Southeast Asia's biggest e-commerce sites the ability to purchase items instantly and pay them off via simple installment plans. The platform often runs promotional zero-interest periods, making it highly attractive to frequent shoppers.
What makes Lazada PayLater so compelling is its seamless integration within the Lazada checkout process. It offers the same simplicity and instant approval as Cicil, but with direct access to a massive online marketplace.
Shop now at lazada.com
14. Shopee PayLater
Integrated into the wildly popular Shopee app, Shopee PayLater (SPayLater) allows users to make purchases and pay for them in the following month or through installments of up to 12 months. It's designed for digital-native consumers who want maximum flexibility directly at checkout.
Shopee PayLater shares Cicil's mission of providing affordable and accessible payment schemes. Its massive advantage is being part of a leading e-commerce platform, which makes the entire process incredibly quick and easy for loyal Shopee users.
Shop now at shopee.com
15. Akulaku
Akulaku is a versatile digital credit platform that goes beyond simple installments, offering virtual credit cards and personal loans to consumers in Southeast Asia. This makes it a great solution for funding larger purchases like furniture or home appliances that might need longer repayment terms.
Akulaku is comparable to Cicil in its focus on providing accessible credit, but its offerings are more comprehensive. Its credit-building features and ability to finance a wider range of needs make it a powerful all-in-one financial tool.
Shop now at akulaku.com
16. FavePay Later
FavePay Later delivers interest-free installment options for both online shopping and in-person payments at cafes, restaurants, and retail stores. Its system is often integrated with cashback rewards and deals, making every purchase a bit more rewarding.
FavePay Later offers the same kind of consumer-friendly, flexible payments as Cicil, but with an added layer of rewards. Its strong network of offline and online merchants, combined with its loyalty program, encourages repeat customers.
Shop now at fave.com
17. Moka Pay Later
Primarily a Point-of-Sale (POS) solution for small and medium-sized businesses, Moka has expanded to offer Moka Pay Later. This allows merchants using its system to provide their customers with flexible installment plans, making it easier for local businesses to sell higher-value items.
While Cicil is a consumer-facing tool, Moka Pay Later is about empowering small business owners. It provides the same benefit of affordable installment payments but with a focus on helping local retailers grow their sales.
Shop now at mokapos.com
18. Dana PayLater
Integrated within the popular Dana digital wallet, Dana PayLater offers an installment solution that focuses on quick onboarding and seamless online payments. For users already using Dana for peer-to-peer transfers and bill payments, it's a natural extension for handling e-commerce purchases.
Like Cicil, the priorities here are simplicity, speed, and instant approval. Dana PayLater's strength lies in being part of a trusted and widely used digital wallet, removing friction for both consumers and merchants.
Shop now at dana.id
19. Affirm
Affirm is a major player in the flexible payments world, partnering with thousands of brands from Walmart to Casper. Unlike many "pay in 4" services, Affirm offers longer repayment schedules (like 3, 6, or 12 months) for larger purchases, letting you know the total interest upfront so there are no surprises.
Similar to Cicil, Affirm makes buying accessible by spreading out costs. However, it's often used for higher-ticket items where a longer payment term is more manageable, and its core mission is transparency - what you see at checkout is what you'll pay, with no hidden fees or compounding interest.
Shop now at affirm.com
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