Best 4 Payments Split Apps

211+ iOS apps curated and reviewed

4.6 avg rating
20 free apps
Updated June 2026

PayLater is the household name in 4 payments split, but it's far from the only option. We track 211+ alternatives and competitors on iOS β€” many free, many higher-rated than you'd expect.

Top Picks for 4 Payments Split

PayLater - Split in 4 payments#1

PayLater - Split in 4 payments by PAY LATER WEBSITE SERVICES WLL

The Only Way to Split Pay
Editor's Choice
πŸ’° Finance
2.3😞(3 ratings)
Free
PayLater - Split in 4 payments screenshot 1
PayLater - Split in 4 payments screenshot 2
PayLater - Split in 4 payments screenshot 3
PayLater - Split in 4 payments screenshot 4
PayLater - Split in 4 payments screenshot 5
PayLater - Split in 4 payments screenshot 6

What We Love

  • πŸ‘ Trusted
  • πŸ‘ Great experience

Room to Improve

  • πŸ’‘ No Arabic language support
  • πŸ’‘ Low spending limit
  • πŸ› Debit card not supported
Four | Buy Now, Pay Later#2

Four | Buy Now, Pay Later by Four Technologies, Inc.

Flexible Shopping & Payments
Strong Contender
πŸ›οΈ Shopping
4.8😞(109K ratings)
Free
#59in Shopping
Four | Buy Now, Pay Later screenshot 1
Four | Buy Now, Pay Later screenshot 2
Four | Buy Now, Pay Later screenshot 3
Four | Buy Now, Pay Later screenshot 4
Four | Buy Now, Pay Later screenshot 5

Shop now, pay later at your favorite stores with an app that allows you to split payments into four interest-free installments every 2 weeks. Manage orders, payments, and get notified before due dates. Discover new retailers in the app directory. Happy shopping!

What We Love

  • πŸ’³ Convenient payment option
  • πŸ›’ Wide variety of stores
  • πŸ€‘ Affordable payment plans
  • πŸ“ˆ Increasing spending limits

Room to Improve

  • πŸ€– Poor customer service
  • ❌ Declined/canceled orders
  • πŸ’° Unauthorized charges
Afterpay: Pay over time#3

Afterpay: Pay over time by Afterpay Holdings Ltd

Shop Now. Split your payments.
Worth Considering
πŸ›οΈ Shopping
4.9😐(752K ratings)
FreeAds
#33in Shopping
Afterpay: Pay over time screenshot 1
Afterpay: Pay over time screenshot 2
Afterpay: Pay over time screenshot 3
Afterpay: Pay over time screenshot 4
Afterpay: Pay over time screenshot 5
Afterpay: Pay over time screenshot 6

Shop fashion, beauty, and tech with the app that lets you buy now, pay later in four interest-free payments. Browse brands, products, discounts, and gift cards across various categories, manage orders, get price drop alerts, use in stores, and access customer support. Download now and enjoy the benefits of Afterpay!

What We Love

  • πŸš€ Convenient payment plan
  • πŸ’³ No interest or hidden fees
  • 🀝 Good customer service (initially)
  • πŸ“ˆ Increasing credit limit with usage

Room to Improve

  • πŸ› App/website technical issues
  • πŸ”’ Security and privacy concerns
  • πŸ€– Lack of human customer support

More 4 Payments Split apps to explore

4
Sezzle - Buy Now, Pay Later
Sezzle - Buy Now, Pay Later
Sezzle - Buy Now, Pay Later
Shop & Pay in 4ΒΉ
Free

Shop clothing, beauty products, electronics, and more with flexible payment options through our app. Buy now and pay later in easy installments to make shopping convenient and affordable for you. Start shopping today and enjoy the freedom to pay at your own pace.

πŸ›οΈ Shopping
(290K)
5
Deferit: Pay bills in 4
Deferit: Pay bills in 4
Deferit: Pay bills in 4
Save & build credit history
Free

Pay and manage your bills effortlessly with our app. Take a photo of your bill, select the amount, and we pay it for you. Save money, build credit history, and join over 500,000 users taking control of their bills today!

πŸ’° Finance
(28K)
6
Split – Pay Together
Split – Pay Together
Split – Pay Together
Split bills with friends
Free

Make group payments fast, transparent, and automatic by easily splitting expenses with friends, whether it's rent, dinner, or a weekend getaway. Simplify the process of figuring out who owes what and get paid back quickly with this modern solution.

πŸ’° Finance
(158)
7
Split Pay – Pay Rent in Two
Split Pay – Pay Rent in Two
Split Pay – Pay Rent in Two
Pay rent on your schedule
Free

A secure and fee-free rent payment app that directly transfers money to landlords, allows scheduling of one-time or repeat payments, and offers the option to report rent payments to credit bureaus for building credit. Simply connect your bank account, enter rent details, and your landlord will be notified once payment is made. Prioritizing security with end-to-end encryption, SOC2 compliance, and proactive defense measures.

πŸ’° Finance
(9.5K)
8
Livble - Split your rent
Livble - Split your rent
Livble - Split your rent
Pay rent on your own schedule
Free

Split your rent easily with our app - pay your rent in flexible installments throughout the month. Take control of your rent payments with Livble today!

πŸ’° Finance
(1.9K)
9
tricount: Split & Settle Bills
tricount: Split & Settle Bills
tricount: Split & Settle Bills
Bill Splitter & Track Expenses
Free

A bill-sharing application for groups to easily split expenses, create shared accounts, and track spending for various occasions like holidays and shared living. With features like uneven expense division, notifications, and offline functionality, it simplifies managing group finances. Users can create a tricount, share the link, and enjoy hassle-free expense management.

πŸ’° Finance
(7K)
10
Affirm: Buy now, pay over time
Affirm: Buy now, pay over time
Affirm: Buy now, pay over time
Flexible payments, big savings
Free

Shop stress-free with the Affirm app: pay over time at any store, access exclusive deals with low rates, manage your account and payments, and open a high-yield Money Account. Use the Affirm Card online or in-person, request payment plans, link your bank account, and shop easily with flexible payment options.

πŸ›οΈ Shopping
(1.7M)
11
Zip - Buy Now, Pay Later
Zip - Buy Now, Pay Later
Zip - Buy Now, Pay Later
Shop & Pay in 4ΒΉ
Free

Shop now and pay later with Zip! Enjoy the convenience of making purchases without upfront payments. Experience hassle-free shopping today.

πŸ›οΈ Shopping
(823K)
12
Splitwise
Splitwise
Splitwise
Split expenses with friends
Free

An app that simplifies sharing expenses among friends and family, making it easy to split bills for rent, trips, events, and more. Offers features like multi-platform support, debt simplification, expense categorization, and integrated payment options. Experience stress-free money management and smoother financial relationships.

πŸ’° Finance
(26K)
13
Zapperβ„’ QR Payments & Rewards
Zapperβ„’ QR Payments & Rewards
Zapperβ„’ QR Payments & Rewards
The rewarding way to pay.
Free

Easily make payments by scanning QR codes with this app. Simplify your transactions and experience seamless, efficient payments on the go.

πŸ’° Finance
(3.9K)
14
Split Pay
Split Pay
Split Pay
Split Better, Save More
Free

This application helps users easily divide group bills and save money by snapping a photo of the check, matching items with friends, and settling up instantly. It provides a seamless group dining experience by accurately allocating tips and tax, and allowing users to settle up instantly with integrated payment options.

πŸ” Food & Drink
(22)
15
Taly | Split your payments
Taly | Split your payments
Taly | Split your payments
No interest, No Fees
Free
πŸ’° Finance
(12)
16
PayPal - Send, Manage, Pay
PayPal - Send, Manage, Pay
PayPal - Send, Manage, Pay
Savings, cash back, pay later
Free

An all-in-one app for sending money, managing your account, earning cash back, and growing your savings with high-yield options. Easily send money for free, get cash back on purchases, and manage your finances all in one place. Check it out now for a simple and secure way to stay on top of your financial transactions!

πŸ’° Finance
(6.3M)
17
Tabby: Pay over time
Tabby: Pay over time
Tabby: Pay over time
Pay in 4. No hidden fees
Free

Shop at your favorite brands and split purchases into 4 interest-free payments with Tabby. Track payments, get discounts, and explore thousands of products and brands. Take control of your spending with Tabby's convenient features and 24/7 chat support.

πŸ’° Finance
(82K)
18
Pay with Sublime
Pay with Sublime
Pay with Sublime
Split up and save on bills
Free

This personal finance app uses AI to help you save money on subscriptions by negotiating bills on your behalf and alerting you to upcoming due dates. By connecting your subscriptions, you can track and manage them in one place, and lower your bills without having to call customer service.

πŸ’° Finance
(96)
19
Cherry: The Smarter Way to Pay
Cherry: The Smarter Way to Pay
Cherry: The Smarter Way to Pay
Make payments and manage plans
Free
πŸ’° Finance
(275)
20
Melio Business Payments
Melio Business Payments
Melio Business Payments
A simpler way to pay vendors
Free

This application simplifies vendor payments for small businesses with flexible payment options and tracking capabilities. It streamlines the payment process, saves time, and provides full payment control from your phone to improve cash flow.

πŸ’° Finance
(1.4K)