Leave a Review Four | Buy Now, Pay Later
Does this work in Canada?
I tried to make an account but it won’t allow me.Clawdeeyn
Order not approved
I use to love this app. I have $2000 spending limit and four was really go to because all other apps denied me. I have been using four faithfully and even spread the word around for ppl to get it. Idk where things took a turn for the worst. I normally use it around the holidays to buy gifts because i have a huge immediate family but now all it ever tells me is the order can not be approved! Since when did four even approve and deny orders? I’ll tried all type of amounts. Which shouldn’t even matter because it never mattered before. I use to make orders with different merchants within the same day and everything worked out fine. Why change something great and make it so difficult. Stop trying to be like these other apps! That is what set yall apart from them. Even my boyfriend is getting the same message and he always paid them back. And now his is getting denied too! Yall done added tjisbcrap for $9.99 to get access to different stores that was once AVAILABLE for everyone! The monkey see monkey do stuff gotta stop cause why? Yall got greedy and your app is horrible now.Show lessMzprfect
Developer Response
We understand how frustrating that would be and extend our apologies for your experience. Our Support team would love to be able to help! Please reach out to us at support@paywithfour.com.You have to learn their algorithm basically
So I see this app getting so much hate I just had to leave a review & I NEVER leave reviews. Okay so first off, there is a method to their madness!(This is all based on my observations using the app btw). I feel like they don’t allow you to “do too much” & they are encouraging healthy spending. I have a $300 limit and I never have more than 2 orders out both no more than $75 & my orders always go through. I did have a hiccup with them when I 1st downloaded the app but it was quickly resolved & I’ve had no problems since.
I have sent emails out & have waited a max of 2days for a response so I do understand everyone’s frustration there. Other than that it’s a great app! I’ve consistently ordered from Dior & Macys with no problem! Just don’t try & use your whole balance with 1 order because you’ll likely be denied(if that’s not for you then this app probably isn’t for you either).Show lessHellsBellsMels
Developer Response
Thank you so much for using Four—we wish you many happy shopping experiences! We are so happy that you are finding Four to be fun and easy to use! Thank you for being the best part of the shopping experience.Disappointed very deceitful company!
Use caution when downloading and using this app. This company tricks you into thinking that you have a certain about of credit. However you are not guaranteed a penny of that money. What they offer is a very small selection of mostly high end, expensive designer type stores. Note you are only able to shop from this limited list of shops. They do offer a monthly subscription service at $10. This allows you to be able to shop form a few more stores.
Most importantly!! Before you spend time picking out clothes, bags, accessories, etc. Know that when it comes time to pay, your items may or may not be approved for financing. I think this company should make this more clear to its customers. I believe they are being deceitful to vulnerable customers, who need help with financing items. The app is displayed as a free financing option, to pay in four installments monthly. This is not the case and in the end this company only cares about making money, not customer satisfaction, care or service.Show lessLoganskyy
Developer Response
We’re so sorry to hear that you’ve run into this issue. Please reach out to us at support@paywithfour.com—our team is here to help!So disappointing and slow slow support
I saw this app thinking it was amazing, and looked promising, I enrolled into their “four+” program but every order I made got declined by the merchant I have the hold on my account and have to wait to get my money back from four, none of my orders went through they get denied within 10 minutes, even with their premium service, support is so so so slow contacted them and haven’t heard anything back the whole day, even as a plus member, my funds are on pending hold, my items cancelled. Honestly don’t even see the benefits of this app anymore, it would be better if they just give you one card number, or one that last for 24hrs at least, but with new numbers every time you just get your account flag by vendor and if support can actually get back to you the same day, maybe just maybe this app might be useful, otherwise your money just get held up and you feel as if you wasted your time bothering with this service, this company had potential but they are so disappointing right now and just not worth your time.Show lessAkexcalibur657
Developer Response
We understand that waiting for a refund can be stressful and we’d never want you to feel like you’re not being heard! Please feel free to reach out to us for more information at support@paywithfour.com.Thankful
Nothing is easy when you have a terrible credit score. Rebuilding it slowly over time can be frustrating especially when all you get is places that deny you. I wasn’t expecting anything different when I saw this app. But I was wrong what a great opportunity four gave me. They gave me a reasonable spending limit that I can use at a wide range of different stores! I have been able to make purchases I otherwise wouldn’t be able to make and split that payment into a few payments making it easy pay off and build my credit all at the same time! Thank you for giving those who are trying to get back on track! This is definitely a great site even if you don’t need to repair your credit and are just looking for a way to shop and make smaller payments I would tell anyone to try four!Show lessExpressoU
Developer Response
It’s our pleasure to make your shopping experience exciting—thank you so much!Caution
I have used a few other pay in 4 apps each with a positive outcome, but this Four app/company is awful. Their customer service is horrible and the time it takes to get any kind of response is unacceptable. I had ordered a large amount of items from a retailer, but only received four of the items in that order. The majority of the order was delivered to the wrong address. Four did absolutely nothing to help with this issue. Their customer service response was to contact the retailer, which I had, of course already done. The retailer had issued the credit for the items I did not receive within two days of my reporting the issue. Although I contacted Four several times they continued to debit my payment method for the final three payments, that were not owed because I did not receive the items. After many calls and messages, it still took nearly three months before Four processed the refund from the retailer. They charged a $7 late fee for those final three payments that were not in any way late, as I did not have the merchandise. They deducted those fees from my refund. Absolutely nothing I could do to speed the process up or actually receive the correct refund amount. Three months for the company to return my money and short me on top of that. I’d label this company as sketchy at best. Just don’t bother. Klarna, Afterpay and ZIP are so much more reliable and customer satisfaction oriented.Show lessKingismine17
Developer Response
We understand that waiting for a refund can be stressful and we’d never want you to feel like you’re not being heard! Please feel free to reach out to us for more information at support@paywithfour.com.Problems from the start
I tried to purchase some sneakers for my wife that she wanted for Valentine’s Day from Stock X . I recently started my account I was approved for 1000 . When I tried to pay for the sneakers the stock x website says payment declined. So I check my bank account and yes pay with four put a hold on the amount of the first payment. I tried the same payment method that pay with four provided. Still the same message. So I tried to purchase a different pair of sneakers at a lower amount. Stock x website gave me the same message. So I checked my bank account again and yes pay with four put another hold on a different amount from my account. So I never was able to get the sneakers. So I called my bank about the issue. I was refunded my money 2 days later. Then a day or so after pay with four put a hold on both of the original amounts . Even though I never was able to place an order. When I tried to call customer service the line always has a busy tone . After this I will not be using this app again Beware shop at your own risk.Show lessBeware shoppers
Developer Response
We understand that waiting for a refund can be stressful and we’d never want you to feel like you’re not being heard! Please feel free to reach out to us for more information at support@paywithfour.com.Can’t make an account😡
I’ve tried like 50x to make an account with my real email, phone # and name. All that happens is it gets stuck at the signup page after asking for the 6 digits they sent me (which I totally gave them FWI🤨).
I dont know if this company is a scam or trying to harvest emails and cell phone #s but like be careful, cause they seem like a scam to me😮💨Show lessMokou Fujiwara
Went downhill fast! Don’t waste your time trying this app!
Been using Four for 2.5 years now and it’s always been great and easy to use especially around the holidays. Spending limit $1200 and have made purchases of up to $600 in one transaction without any problem. Have never missed a payment and 2 months ago back in October I tried to make a $50 purchase using Four. I was declined with their normal “we can’t accept all orders” yada yada.. It was whatever and tried a week later on another site for $75.. Same Notice if they can’t accept my order. I reached out to customer service to see if there was an issue with my account and they gave the same scripted response of how I’m approved and disapproved for orders and to try again in a week.. The Christmas season was coming up so at the start of December I tried to start my shopping early and again no matter what website I clicked on or dollar amount I tried it gave me the same I can’t be approved for the order. I’ve tried $300 like I used to be able to do without issue down to the minimum of $35 on orders and no luck.. I reached out to customer service again to try and see what is really going on but it was the same scripted response again and to try again in a week(no help). App is fully updated, banking and card accounts have never changed, so not sure what is going on with the company. Don’t waste your time on this one and stick to one of the more notable ones that will actually work when you need them.Show less!!!!!:;()!!!!!!
Developer Response
We’re so sorry to hear that you’ve run into this issue. Please reach out to us at support@paywithfour.com—our team is here to help!
