Four | Buy Now, Pay Later

Four | Buy Now, Pay Later

Flexible Shopping & Payments

112K ratings
1826 reviews
#40 in free Shopping
💰 Finance
🛍️ Shopping
Free

Details

  • Released
  • Updated
  • October 23, 2020
  • July 22, 2026

Features

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
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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+
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What users say

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

1.17.82

July 22, 2026

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

Charts

Top Free

📊 40

Shopping

The app has maintained its position at 40 recently.

Last updated on August 28, 2026.

User reviews

No just no

DO NOT USE THIS SCAM OF AN APP. The customer service is nonexistent. I’ve been using them for months with no problems and then all of a sudden yesterday the “card” I made was declined. So I had to cancel that transaction. Boom I’m out $40 and can’t buy groceries. Then I tried again today thinking it was just a simple mistake. WRONG. It wouldn’t let me even add the card this time and now I’m out another $40. F this company for real.
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The orders fail more than they work

This app is so frustrating. There is no customer support, just an ai chatbot that loops with no real help

Poor Support & Unresolved Spending Power Issue”

Google Review

⭐️⭐️

Very frustrating experience with Four. I had about $1,200 in Spending Power before ordering from DTLR. DTLR repeatedly canceled my orders, and their support told me I was placing the order incorrectly, so I followed their instructions and tried again.

After these cancellations, my Spending Power dropped to only $70, even though I barely use Four. Four confirmed my claims were approved and refunds are being processed, but my Spending Power still has not been corrected.

I’ve also seen other customers report similar DTLR/Four issues, including cancellations affecting Spending Power. I pay for a monthly Four membership, yet I keep receiving automated/general responses instead of having someone investigate my account.

I’m still waiting for Four to escalate this to a manager or supervisor, determine what caused the drastic decrease, and correct the issue. Customers shouldn’t have their Spending Power affected by retailer cancellation problems that are outside their control.
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Yeah Right

Have a spending power but then when you select a store - now all of a sudden my spending power is 0. Dont believe the hype.

Unresponsive

I am disheartening that I pay the subscription fee so that I can shop at Walmart and use the pay with Four. I paid my total which was $22 and then I am not over the allotted amount which was $88 and the card continues to get declined. I reached out to customer service I got the AI bought and then I asked to speak to a real person and I’m just sitting here with nothing. I just want my refund at this point because very frustrated.
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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.