01
SESweden
A global payments and shopping service providing 'Buy Now, Pay Later' (BNPL) options, cashback, and a dedicated shopping app.
Alt to:Affirm, Afterpay, PayPal Pay in 4 +1
Affirm alternatives compared
Swipe sideways to see all columns.
| Service | Headquarters | Data hosting | EU data residency | Low Cloud Act exposure | Open source |
|---|---|---|---|---|---|
| Klarna | Sweden | United States | No | No | No |
Frequently asked questions about Affirm alternatives
What are the best EU alternatives to Affirm?+
The EU Alternatives Directory lists 1 European alternatives to Affirm, including Klarna. Each one is checked for European headquarters and data protection practices.
Why switch from Affirm to an EU alternative?+
An EU-based alternative keeps your data under European jurisdiction and GDPR. It reduces exposure to the US Cloud Act and foreign data access laws.
Are EU alternatives to Affirm as good?+
Many EU alternatives to Affirm offer comparable features, with the added benefit of European data residency and digital sovereignty.
How are these Affirm alternatives verified?+
We check the legal entity, country of headquarters and hosting locations. Only providers based in the EU, EEA, UK, Switzerland or Ukraine are listed.