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Four | Buy Now, Pay Later

Four | Buy Now, Pay Later

Flexible Shopping & Payments

109K ratings
1681 reviews
#74 in free Shopping
💰 Finance
🛍️ Shopping
Free

Details

  • Released
  • Updated
  • October 23, 2020
  • June 23, 2026

Features

Developer

Four Technologies, Inc.
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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 109K 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

1.17.80

June 23, 2026

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

Charts

Top Free

📉 74-1

Shopping

This app dropped -1 position in Shopping chart.

Last updated on July 19, 2026.

User reviews

Most RecentHighest RatedLowest Rated

Four

Very convenient
grandkids 1234grandkids 1234

Okay

Could use a higher limit.
fud4sewlfud4sewl

Misleading

This app is misleading. They charge you money for a subscription and I guarantee you to even be able to use their service.Scam!
AI BOT01AI BOT01

Fours a blessing

It’s a blessing for emergency situations. Wish you could use it for food.. that would be grateful..
TanyaB713TanyaB713

Trash!

I downloaded this months ago, connected everything and the app gave me “$1600” spending limit. But every store says $0 approved? I’ve contacted support and they have given me 0 reasons as to why. I waited a few months and opened it back up to see if anything has changed. And nope, still says $1600 limit with $0 at all stores. Wanted to give this app a try but I will stick with the others! Much easier and less hassle.
Show more
parker3312parker3312
See 1676 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.