We know your secret. You 💖 Afterpay. It's OK, this is a safe space 🤗.

Afterpay may be well known, but the are heaps of great apps out there making using your money easier for you that you'll absolutely love. Check out these FREE apps.


If flexibility is your thing, Openpay is worth a look. Like other apps, it allows you to manage your payments in one place. But unlike some other buy now, pay later platforms, Openpay offers different payment schedules, so you can choose one that floats your personal finance boat.

A note of caution before jumping on board – Openpay claims to be interest-free, but some longer payment plans can have extra costs. You might have finished school, but it still pays to do your homework.


This branch of zipMoney offers up to $1000 in a digital wallet instantly, no questions asked (well, maybe a couple). Like Afterpay, zipPay allows you to pay back your purchase in instalments – which you can schedule weekly, fortnightly or monthly – with a minimum of $40 per month.

While they don’t charge interest, there is a $6 monthly account fee, which is waived if you cough up the closing balance by the due date. As they say: “No balance no fee”.


Another offering in the digital lay-by space, PayItLater can have you up and spending within 24 hours. The biggest difference to Afterpay is that you have six weeks – instead of eight – to pay off the four installments.

Over that time, they email to let you know when payments are due, so you’ve got a heads-up to get some dosh into your account. Late fees will apply if funds are not available.


Keep an eye on your finances with this handy app. It makes budgeting simple. I don't know about you, but I know I could use help in this department. It aggregates all your personal finances in one place so you can track, budget, and save money.

So if you have no idea how many pesky subscriptions took money from your account last months or what you spend on shopping, now you do. Knowledge is power my friend.


Love to eat and drink? Let's be honest, we all do! Well we've got the perfect app for you! Purpose-built for the lifestyle and dining industry, Liven has taken off in foodie rival cities, Melbourne and Sydney.

But it’s more than a tale of two cities. Liven calls itself “The world’s first digital currency for food powered by the blockchain — for everyday use, by everyday people”. If that’s too much geek speak, think of it as the FREE app for people who love hanging with friends over good chow, and rewarding you for doing what you already love to do, so you can do it even more. Use Liven to discover yummy restaurants (like Messina, Nene Chick, 8bit, Gong Cha and more!), pay instantly with one tap, and earn 10-30% Liven Cash to be saved or spent the next time you eat out.