1. Home
  2. 🛍️ Shopping
  3. Four | Buy Now, Pay Later
Four | Buy Now, Pay Later

Four | Buy Now, Pay Later

Flexible Shopping & Payments

117K ratings
1898 reviews
#55 in free Shopping
💰 Finance
🛍️ Shopping
Free

Details

  • Released
  • Updated
  • October 23, 2020
  • September 4, 2026

Features

Developer

Four Technologies, Inc
✨Promote your app ✨
Four | Buy Now, Pay Later screenshot #1 for iPhone
Four | Buy Now, Pay Later screenshot #2 for iPhone
Four | Buy Now, Pay Later screenshot #3 for iPhone
Four | Buy Now, Pay Later screenshot #4 for iPhone
Four | Buy Now, Pay Later screenshot #5 for iPhone
iphone
ipad
📈no. 55
Charts↘︎
📌Ready
Reviews summary↘︎
⭐1.9K
Reviews↘︎
📝40+ tags
Tags↘︎
🔄6+ apps
Alternatives↘︎
❓5 answered
FAQ↘︎
📦~ in 1 week
Updates frequency↘︎
🖼️Get Icon
Icons↘︎

About

Shop your favorite online stores and split purchases into four interest-free payments. Manage all your orders and payment schedules in one convenient app, with optional upgrades for exclusive benefits.

✓Split purchases into 4 payments
✓Pay every two weeks
✓Manage orders in one app
✓Flexible payment plans
✓Payment reminders
✓Exclusive offers with Four+
Show original description

What users say

Summarized from real user reviews of Four | Buy Now, Pay Later. Based on 117K reviews and a 4.8/5 average, it highlights the 5 positives and 5 negatives reviewers mention most about this Shopping app.

Positive things

  • 💳Convenient payment option
  • 🛒Wide variety of stores
  • 🤑Affordable payment plans
  • 📈Increasing spending limits
  • 🤩Great app experience

Negative things

  • 🤖Poor customer service
  • ❌Declined/canceled orders
  • 💰Unauthorized charges
  • 🕰️Slow refund processing
  • 🔒Account/login issues
See all reviews

What's New in Four | Buy Now, Pay Later

1.17.85

September 4, 2026

Bug fixes and improvements to make your shopping experience better than ever!

Charts

Top Free

📈 55+2

Shopping

This app rose +2 positions in Shopping chart.

Last updated on September 18, 2026.

User reviews

Most RecentHighest RatedLowest Rated

Scam

I spent 500 from Amazon and most of the payments wouldn’t go through so I had to reuse the app again and spent another 300 to use it and then months later they still didn’t refund the other money. I tried to tell them and show them proof about it and they still denied me three times. They stole $300 from me.
Show more
Marissar2274Marissar2274

Single momma!

Thank you for being there when finances are tight and I can get groceries with your help!
OnbreakwritingthisreviewOnbreakwritingthisreview

worst fkn app

First of all they give you a purchase limit of $1000+ then to even buy anything worth it from major retailers like amazon,target,best buy they make you buy they membership for $12.99 a month. Ok cool but when that’s done they give you a whole different number for those retailers i got $600 available on best buy so why would u say i have $1200. completely misleading.
Show more
caboquincecaboquince

I got cheated

I paid for the virtual card and it kept getting declined. So I’m I’m out of $40 along with the membership fee.
im_stewie_griffinim_stewie_griffin

Best By Far

Signed up 2 yrs ago, had forgotten this platform and came back after an Instagram post to find out account still active. I been using and love purchasing through Four with an option to pay less by paying early. I love it! I added it to my list of only 3 buy now pay later apps I will only use. Can literally shop through all major store brands. It helps you out of running into debt. Go Four!
Show more
StrwbrrycStrwbrryc
See 1893 more reviews

User experience

🐞

Reported Bugs

3 issues

Inconsistent app functionality

Bug

Incorrect payment processing

Bug

Inability to log in or access account

Bug
✨

Requested Features

4 requests

Allow use of virtual cards with mobile wallets

Feature

Improve customer support channels

Feature

Provide more transparency on spending limits

Feature

Streamline order cancellation and refund process

Feature

FAQ

What does the Four app do?

This app allows you to shop at hundreds of online retailers and split your purchases into four equal payments. The payments are scheduled to be paid every two weeks, making it easier to manage your spending and stay on budget while shopping online.

How does the 'Pay in 4 Installments' feature work?

When you choose to pay with Four at a partner retailer, your purchase is split into four payments. The first payment is made at the time of purchase, and the remaining three payments are automatically charged every two weeks. This provides a clear and predictable payment schedule.

Is there a cost to use Four?

The core functionality of splitting purchases into four payments is typically interest-free. However, there is an optional upgrade called Four+ that offers access to exclusive stores and special offers, which may have associated costs or benefits.

Who is eligible to use Four?

Users must be 18 years or older and a U.S. resident to use the app. Additional eligibility requirements may apply, and the service is not available in New Mexico.

What are the benefits of using Four for online shopping?

Users benefit from a simplified and flexible shopping experience. The app consolidates all your orders and payment methods in one place, offers predictable payment schedules, and provides helpful reminders to avoid missed payments. It also offers access to a wide range of online retailers.