
Buy now pay later with flexible plans and no fees
Affirm focuses on transparent installment loans at online and some in-store partners with fixed rates and no late fees. While strong for US consumers it has limited physical retail penetration in Mexico and fewer specialized verticals such as dental clinics or motorcycle dealers than Atrato's 2000 affiliated stores.
Affirm lets shoppers pay over time with flexible payment plans and no fees. Users can choose Pay in 4 interest-free installments or longer plans with the total cost shown upfront. The service offers the Affirm Card for online and in-store use plus integration with Apple Pay and Google Pay.
Free