Four | Buy Now, Pay Later

Four | Buy Now, Pay Later

Flexible Shopping & Payments

112K ratings
1745 reviews
#67 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

📈 67+1

Shopping

This app rose +1 position in Shopping chart.

Last updated on August 8, 2026.

User reviews

Life saver

Has been the best thing for me and my family during these challenging financial situations thank you APP FoUr!

Me encanta

Tiene mucha variedad de tiendas.. me encantaría que pudiera usar la tarjeta en mi Wallet .. pero aún así es muy buena la app

Thieves

Joined got a $2000 limit paid for their premium membership. $14 then they my limit was zero and they couldn’t change it. No refund on the $14 thieves. I can’t use your service give back the money. Registered with Bank and debit card.
Makes zero sense.

Buy

HIGHLY RECOMMENDED

All the stores you’d actually want are behind a 13$ pay wall

This is ridiculous you are already profiting off financing people purchases and yet you still think you get to hide the best stores to shop thru your service behind a paywall I don’t think so. I don’t even see how this is legal this is in the realm of paying to get credit which is not legal. So behave better and end this ridiculous greed.
And it’s also ridiculous that the main screen shows a limit way higher than even what you’ll approve at any one store and of which that approval number is still higher than they’ll even approve to actually spend this is lying and fraud you can say you have xx.xx to spend but then once you’re trying to spend that you say no sorry the amount is lower and we won’t tell you how low I just had to keep deleting items from the cart. This is not honest this is shady business.
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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.