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Best apps like Split: Enjoy Now. Pay Later.

10+ similar apps compared and reviewed

4.6 avg rating
10 free apps
Updated July 2026
Split: Enjoy Now. Pay Later.
Split: Enjoy Now. Pay Later.
Window Holdings LLC
💰 Finance
🛍️ Shopping

Split is great, but it's not the only option. Explore 10+ similar apps for iPhone and iPad, each reviewed and rated by real users. Find free alternatives, premium upgrades, and hidden gems.

Top Alternatives to Split

Deferit: Pay bills in 4#1

Deferit: Pay bills in 4 by deferit Pty Ltd

Save & build credit history
Editor's Choice
💰 Finance
4.8😊(30K ratings)
FreeAds
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Manage your bills and budget with flexibility. This app allows you to pay almost any service bill in four smaller installments with no interest. It also helps you save money by negotiating better deals with providers and builds your credit history by reporting on-time payments.

What We Love

  • 💳 Helpful for paying bills in installments
  • ⏱️ Fast bill payment processing
  • 📆 Ability to change payment due dates
  • 🤝 Friendly and responsive customer service

Room to Improve

  • 🕰️ Delayed bill payments due to high volume
  • 🤖 Lack of phone/live chat support
  • 💰 Subscription fees and processing fees
Circa Rent Payments#2

Circa Rent Payments by Circa Labs Inc.

The best way to pay rent
Strong Contender
💰 Finance
4.0(49 ratings)
Free
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This app offers flexible rent payment options, allowing users to pay in installments or via cash at retail locations. It provides payment reminders and securely stores lease and payment history, simplifying the rent payment process for residents of partner communities.

Zilch: Spend with benefits#3

Zilch: Spend with benefits by Zilch Technology Limited

Where Mastercard is accepted
Worth Considering
💰 Finance
4.9😐(21K ratings)
Free
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Split purchases into four interest-free installments over six weeks, or get instant cashback rewards when you pay in full. Shop at thousands of online stores or anywhere Mastercard is accepted.

What We Love

  • 💯 Excellent app
  • 🤑 Flexible payments
  • 👍 Easy to use
  • 🤩 Fantastic experience

Room to Improve

  • 🤬 Poor customer service
  • 🐛 Buggy app
  • 💰 Unexpected fees

More apps like Split

4
Perpay - Shop and Build Credit
Perpay - Shop and Build Credit
Perpay - Shop and Build Credit
Shop, pay later, build credit
Free

Access up to $1,000 to shop for various goods and pay over time with no interest or fees. Build your credit history by reporting your payment activity to credit bureaus. Apply for a credit card with rewards and no annual fee.

Access up to $1,000 to spendShop top brands on marketplacePay over time with no interest/fees
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5
Boom - Build credit with rent.
Boom - Build credit with rent.
Boom - Build credit with rent.
Build & track your credit.
Free

This app helps renters build and track their credit history by reporting rent payments to all three major credit bureaus. Users can report ongoing and past rent payments, and monitor their credit score progress within the app. It offers a quick enrollment process and prioritizes data security.

Report rent payments to credit bureausBuild credit historyTrack credit score progress
💰 Finance
(1.2K)
free with in-app purchases
6
OneBlinc Cash Advance
OneBlinc Cash Advance
OneBlinc Cash Advance
Cash advances, instant option
Free

Access a portion of your salary early, from $50 to $250, to cover immediate financial needs. This service offers a simple, affordable, and fair way to get cash advances with fast approvals and no hidden fees.

Salary advances up to $250Fast approvals and instant cashNo hidden fees or mandatory charges
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7
QuickBenjy
QuickBenjy
QuickBenjy
Money to your bank in seconds!
Free

Access emergency funds quickly and conveniently. Repay within 30 days, paying only for the duration you use the money. The first five days are free.

Instant cash to bankPay only for days usedRepay within 30 days
💰 Finance
(814)
free with in-app purchases
8
Kiwi Crédito
Kiwi Crédito
Kiwi Crédito
by Kiwi Financial, LLC
Free

This digital platform offers a fast and secure way to apply for personal loans entirely online. Manage your credit, view loan details, and make payments easily through the mobile app. Receive funds quickly via your preferred disbursement method.

Online loan applicationsSecure personal loansLoan detail consultation
💰 Finance
(2.9K)
free with in-app purchases
9
Katapult | Shop & Lease to Own
Katapult | Shop & Lease to Own
Katapult | Shop & Lease to Own
Browse, shop, lease, and own.
Free

Shop now and pay over time with a lease-to-own option that doesn't require credit. Browse over 100 retailers, manage your leases, and make payments easily through the app. Take home essential items without paying upfront.

Lease-to-own purchasesNo credit requiredFlexible payment options
💰 Finance
(27K)
free with in-app purchases
10
Livble - Split your rent
Livble - Split your rent
Livble - Split your rent
Pay rent on your own schedule
Free

This app allows users to pay their rent in flexible installments throughout the month. It offers a convenient way to manage rent payments on your own schedule.

Pay rent in installmentsFlexible payment schedulesManage rent payments
💰 Finance
(2.2K)
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