Best 4Pay Apps

221+ iOS apps curated and reviewed

4.6 avg rating
20 free apps
Updated May 2026

Looking for free 4pay apps? 20 of our 221+ tracked titles are free to download — no subscription, no trial. The rest are premium picks worth paying for.

Top Picks for 4Pay

Four | Buy Now, Pay Later#1

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

Flexible Shopping & Payments
Editor's Choice
🛍️ Shopping
4.8😞(106K ratings)
Free
#60in 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

  • 💳 Convenient payment option
  • 🛒 Wide variety of stores
  • 🤑 Affordable payment plans
  • 📈 Increasing spending limits

Room to Improve

  • 🤖 Poor customer service
  • ❌ Declined/canceled orders
  • 💰 Unauthorized charges
Afterpay: Pay over time#2

Afterpay: Pay over time by Afterpay Holdings Ltd

Shop Now. Split your payments.
Strong Contender
🛍️ Shopping
3.1😐(384 ratings)
FreeAds
#29in 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

  • 🚀 Convenient payment plan
  • 💳 No interest or hidden fees
  • 🤝 Good customer service (initially)
  • 📈 Increasing credit limit with usage

Room to Improve

  • 🐛 App/website technical issues
  • 🔒 Security and privacy concerns
  • 🤖 Lack of human customer support
Perpay - Shop and Build Credit#3

Perpay - Shop and Build Credit by Perpay, Inc.

Shop, pay later, build credit
Worth Considering
💰 Finance
4.9😐(8.4K ratings)
FreeAds
Perpay - Shop and Build Credit screenshot 1
Perpay - Shop and Build Credit screenshot 2
Perpay - Shop and Build Credit screenshot 3
Perpay - Shop and Build Credit screenshot 4
Perpay - Shop and Build Credit screenshot 5
Perpay - Shop and Build Credit screenshot 6

Shop, pay later, and build credit with an all-in-one shopping app. Buy your favorite brands and pay over time to improve your credit score. Start shopping smart today!

What We Love

  • 💳 Easy payment setup
  • 🚀 Fast delivery
  • 🔍 Wide product selection
  • 💳 Builds credit

Room to Improve

  • 💰 Overpriced items
  • 🕰️ Slow shipping and approval process
  • 🤖 Poor app performance and glitches

More 4Pay apps to explore

4
Sezzle: Buy Now, Pay Later
Sezzle: Buy Now, Pay Later
Sezzle: Buy Now, Pay Later
Shop & Pay in 4¹
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.

🛍️ Shopping
(287K)
5
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.

💰 Finance
(3K)
6
Zip - Buy Now, Pay Later
Zip - Buy Now, Pay Later
Zip - Buy Now, Pay Later
Shop & Pay in 4¹
Free

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

🛍️ Shopping
(820K)
7
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.

🛍️ Shopping
(1.7M)
8
Klarna: Smarter everyday money
Klarna: Smarter everyday money
Klarna: Smarter everyday money
Shop anywhere, manage & save
Free

Shop now and pay later with our online shopping app. Enjoy the convenience of deferred payments with easy installment options. Download now for effortless shopping!

💰 Finance
(2.2M)
9
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!

💰 Finance
(23K)
10
Katapult | Shop & Lease to Own
Katapult | Shop & Lease to Own
Katapult | Shop & Lease to Own
Browse, shop, lease, and own.
Free

Discover a revolutionary shopping companion that uses cutting-edge technology to enhance your shopping experience. Find personalized recommendations, exclusive deals, and seamless checkout options all in one place. Elevate your shopping with Katapult today!

💰 Finance
(26K)
11
Mintpay | Pay Better.
Mintpay | Pay Better.
Mintpay | Pay Better.
Unlimited Cashback I Pay in 3
Free

Shop smarter and get rewarded with a payment app that offers unlimited cashback and interest-free instalments. Earn rewards, track payments, and spend easily at over 2,500+ partner brands, and start enjoying a financially fluent experience today.

🛍️ Shopping
(132)
12
GO2bank: Mobile banking
GO2bank: Mobile banking
GO2bank: Mobile banking
Mobile bank that works for you
Free

An all-in-one mobile banking app with no hidden fees, early paydays, credit building options, account protection features, and more. Download now for easy access to your finances. Visit the app's website to learn more.

💰 Finance
(57K)
13
Tamara | Shop Now Pay Later
Tamara | Shop Now Pay Later
Tamara | Shop Now Pay Later
Pay in up to 24, No late fees
Free

Discover new and trending fashion items from top brands curated just for you. Get personalized recommendations based on your style preferences and shop the latest trends effortlessly. Update your wardrobe with ease!

💰 Finance
(59K)
14
ZOOD: Buy Now, Pay Later
ZOOD: Buy Now, Pay Later
ZOOD: Buy Now, Pay Later
Shop in up to 12 installments
Free

Discover a revolutionary all-in-one shopping platform connecting users to a wide range of products and services from various retailers. Shop, compare prices, and access exclusive deals all in one place. Join ZOOD Mall now for a seamless and convenient shopping experience!

🛍️ Shopping
(1.3K)
15
Suave: Buy now, pay later.
Suave: Buy now, pay later.
Suave: Buy now, pay later.
Easy shopping.
Free

Shop with ease using Suave: Buy now, pay later. Get prequalified for flexible monthly payments and shop at your favorite stores stress-free. Start shopping smarter today!

🛍️ Shopping
(657)
16
Snap Finance
Snap Finance
Snap Finance
No credit? Shop now, pay later
Free

Snap Finance allows you to manage your lease-to-own agreement conveniently from your mobile device. Log in effortlessly with Face ID, access payment details, view transactions, make payments, and explore ownership options. If you're not a Snap customer, shop at partner stores with lease-to-own financing available up to $5,000. Download the app now for easy and flexible financial management.

🛍️ Shopping
(22K)
17
PayLater - Split in 4 payments
PayLater - Split in 4 payments
PayLater - Split in 4 payments
The Only Way to Split Pay
Free
💰 Finance
(253)
18
Acima: Lease Now & Buy Later
Acima: Lease Now & Buy Later
Acima: Lease Now & Buy Later
Easy Leasing & Payment Options
Free

Lease must-have merchandise up to $4,000 without credit or cash using Acima. Shop furniture, electronics, appliances, and more from thousands of stores. Manage your lease details, payments, and agreements conveniently with the app.

🛍️ Shopping
(24K)
19
Flex - Rent On Your Schedule
Flex - Rent On Your Schedule
Flex - Rent On Your Schedule
Pay rent on your own schedule
Free

An app that helps users pay their rent on a flexible schedule by splitting it into two payments, aiding in timely rent payments, cash flow management, and credit history improvement. Membership fee of $14.99/month plus 1% bill payment fee.

💰 Finance
(391K)
20
PayPal - Pay, Send, Save
PayPal - Pay, Send, Save
PayPal - Pay, Send, Save
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!

💰 Finance
(6.3M)

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