afterpay.com

In 2014, Afterpay started in Sydney, Australia and has since grown to have millions of customers and hundreds of thousands of merchant partners worldwide. They offer a free platform for those who pay on time, allowing people to shop without having to pay fees or interest, or take on extended debt. With Afterpay, customers can purchase items either online or in-store, and split payments into four installments. This allows customers to stay financially responsible while still getting the things they need and want.