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Four | Buy Now, Pay Later

Four | Buy Now, Pay Later

Flexible Shopping & Payments

126K ratings
2300 reviews
#42 in free Shopping
💰 Finance
🛍️ Shopping
Free

Details

Released
October 23, 2020
Updated
November 11, 2026

Features

Developer

Four Technologies, Inc
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📊no. 42
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About

This app simplifies online shopping by allowing you to buy now and pay later in four interest-free installments. Manage all your orders and payments in one place, with helpful reminders to stay on budget. Upgrade for exclusive access to partner stores and special offers.

✓Buy now, pay later in 4 installments
✓Flexible payment plans
✓Manage orders in one app
✓Payment reminders
✓Access to exclusive stores (Four+)
✓Seamless checkout experience
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What users say about Four | Buy Now, Pay Later

Reviews of Four | Buy Now, Pay Later are mostly negative: the Shopping app is rated 4.8/5 from 126K App Store ratings. What users like most: convenient payment option, wide variety of stores. Top complaints: poor customer service, declined/canceled orders. Summarized from real user reviews.

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
+1

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

1.17.91

November 11, 2026

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

Charts

Top Free

📊 42

Shopping

The app has maintained its position at 42 recently.

Last updated on November 15, 2026.

User reviews

Most RecentHighest RatedLowest Rated

Really Works!!!

GREATTTTT APPP JUST LIKE KLARNA BUT BETTER!!!! They started me up with a higher threshold four times more than what klarna started me with
S2Shae butta 225

Only works with some store app purchase

Limited resources available
A💰AJ - 💰

Said I was approved for more but won’t give me more

Said I was approved for $200 than said $60 than wouldn’t let me pay for a $59 order
Ccindy032

Love it

Amazing !!!!
Sshadicas

Love it!

I love Four it allows you to make purchases and stay within your budget.
DDlin2
See 2295 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 is Four?

Four is a shopping app that allows you to buy now and pay later by splitting your purchases into four interest-free installments. Payments are due every two weeks, helping you stay on budget.

How does Four work?

You download the app, sign up, and then select 'Pay with Four' at checkout with partner retailers. Your first payment is made today, with the remaining three paid every two weeks.

What are the eligibility requirements for Four?

Users must be 18 years or older, a U.S. resident, and meet additional eligibility criteria. It is not available in New Mexico.

Does Four have any fees?

The app itself is free to use. Payments are split into four interest-free installments, provided you pay on time according to the clear schedules provided.

What are the pros and cons of using Four?

Users praise its convenient payment options, wide variety of stores, and affordable plans. However, some reviews mention poor customer service, declined orders, and slow refunds.

How often is Four updated?

The latest version is 1.17.91, last updated on November 11, 2026. Updates typically include new features, bug fixes, and performance improvements.

Is Four available on all devices?

Four is available on iPhone, iPad, and iPod. It is designed for iOS devices.

What is Four+?

Four+ is an upgraded tier that offers access to exclusive partner stores, special offers, and additional ways to shop online. It provides enhanced shopping benefits.