Best 4Pay Apps

4.8😞(117K ratings)

Free

#57in Shopping

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.

What We Love

💳 Convenient payment option
🛒 Wide variety of stores
🤑 Affordable payment plans
📈 Increasing spending limits
🤩 Great app experience

Room to Improve

🤖 Poor customer service
❌ Declined/canceled orders
💰 Unauthorized charges
🕰️ Slow refund processing
🔒 Account/login issues

Zip - Buy Now, Pay Later by Zip Co US, Inc.

Shop Now & Pay Over Time

Strong Contender

4.9😊(858K ratings)

Free

#42in Shopping

Split purchases into 4 or 8 interest-free installments, paid bi-weekly. Use online or in-store with a virtual or physical card. Earn cashback and potentially increase spending power with on-time payments.

What We Love

💳 Convenient payment option
🤑 Affordable payment plans
⏰ Flexible payment schedules
🤝 Helpful customer service
🆙 Increasing credit limits
🏪 Wide range of merchant partners

Room to Improve

🐛 Unreliable app performance
🤔 Unclear refund/return policies
🤷‍♀️ Inconsistent customer support
🔒 Security/account issues
💰 Unexpected fees/charges

Afterpay: Pay over time by Afterpay

Shop Now. Split your payments.

Worth Considering

Sezzle: Buy Now, Pay Later

4.9😐(753K ratings)

Free

#30in Shopping

Shop your favorite brands online or in-store and split your purchases into manageable payments. Get what you want now and pay over time with flexible installment plans, including options to pay in 4 installments or monthly.

What We Love

🚀 Convenient payment plan
💳 No interest or hidden fees
🤝 Good customer service (initially)
📈 Increasing credit limit with usage
🛒 Wide range of participating stores
🕰️ Flexible payment scheduling
💰 Helps with budgeting and affordability

Room to Improve

🐛 App/website technical issues
🔒 Security and privacy concerns
🤖 Lack of human customer support
🔽 Drastic credit limit reductions
🚫 Accounts closed/banned for minor issues
💳 Incompatibility with certain payment methods
🕰️ Automatic payments causing overdraft issues

More 4Pay apps to explore

Pay Over Time & Earn Rewards

Buy now, pay laterPay in 4 interest-free installmentsNo interest or hidden fees

This app allows you to buy now and pay later with interest-free installments over six weeks. Easily split purchases into four payments, manage your budget, and discover exclusive deals from thousands of retailers. Enjoy a seamless shopping experience with flexible rescheduling options and instant approval.

(301K)

Affirm: Buy now, pay over time

Flexible payments, big savings

Pay over time online and in-storeFlexible payment optionsDiscover 0% APR deals

This app allows users to pay for purchases over time with flexible payment options. It offers clear payment plans, deals, and the ability to set up automatic payments. Users can also apply for a card to use anywhere Visa is accepted for convenient installment payments.

(1.7M)

Klarna: Smarter everyday money

Cashback, payments, savings

Flexible payment optionsInterest-free installmentsUp to 10% cashback

Shop anywhere with flexible payment options, including interest-free installments and pay-in-30-days. Earn cashback, compare prices, track deliveries, and manage returns easily. Also offers mobile phone service.

(2.4M)

PayLater: Split Your Payments

Relax, PayLater

Split payments into 4 installmentsFast and easy onboardingSecure PCI DSS-compliant transactions

Split your purchases into four easy installments with this buy now, pay later service. Enjoy flexible payment options and secure transactions with no hidden fees. Shop at a wide network of top retailers.

(292)

4Pay Finance: Compre BTC, USDT

by 4PAY FINANCE PRESTADORA DE SERVICOS DE ATIVOS VIRTUAIS LTDA

Buy/sell crypto directly from blockchainPay Pix and bills with cryptoReceive Pix converted to USDT

This app connects cryptocurrency to your daily finances, allowing you to buy and sell Bitcoin, Ethereum, and stablecoins directly from the blockchain. You can pay bills and receive Pix payments converted to digital dollars, all without relying on traditional banks.

Tabby: Send, spend and save

(2)

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Take power over money

Split purchases into 4 monthly paymentsShop from top brands online and in-storeCompare prices and track deals

Shop now and pay later with flexible four-month installments. Discover top brands, compare prices, and find nearby stores. Manage payments, track purchases, and get 24/7 customer support.

(85K)

Buy now pay later for bills

Deferit: Pay bills in 4

Pay bills in 4 installmentsNegotiate lower bill ratesBuild credit history

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.

(34K)

Perpay - Shop and Build Credit

Shop, pay later, build credit

Access up to $1,000 to spendShop top brands on marketplacePay over time with no interest/fees

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.

(16K)

Online checking and savings

GO2bank: Mobile banking

Early direct depositHigh-yield savings accountOverdraft protection

This mobile banking app simplifies money management with features like early direct deposit, high-yield savings, and overdraft protection. It offers transparent banking with no hidden fees and tools to build credit. Secure and convenient access to funds nationwide.

(64K)

CirclePay - Buy Now Pay Later

by Circle Explorer PVT LTD

Interest-free installmentsQR code paymentsLink bank accounts/cards

This app allows users to shop at partner merchants and split purchases into interest-free monthly installments. Manage payments, track spending, and discover new places to shop, all within a secure platform.

(2)

Pay in up to 24, No late fees

Tamara | Own your Dream

Pay in installments or in fullSign up in minutesShop at thousands of partners

This financial super-app offers flexible payment options, allowing you to shop now and pay later in installments or in full. Enjoy exclusive deals, cashback rewards, and buyer protection for a secure and seamless shopping experience.

(59K)

Katapult | Shop & Lease to Own

Browse, shop, lease, and own.

Lease-to-own purchasesNo credit requiredFlexible payment options

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.

(28K)

Unlimited Cashback I Pay in 3

Mintpay | Pay Better.

Pay Now with instant cashbackPay Later in 3 interest-free installmentsEarn and redeem Mint Coins

Shop smarter and earn rewards with this payment app. Choose to pay now for instant cashback in loyalty coins or pay later in three interest-free installments. Redeem your earned coins across a wide network of partner brands.

(163)

Acima: Lease Now & Buy Later

Easy Leasing & Payment Options

Lease without perfect creditApproved for up to $4,000Shop at thousands of stores

Lease the items you need without perfect credit. Get approved for up to $4,000 in merchandise like furniture, electronics, and appliances. Shop at thousands of stores or online and make easy payments.

(27K)

Shop: Track, Pay, Discover

Shopping app & package tracker

Shop favorite brands and local storesPrice drop and restock alertsSave and organize items into collections

Discover and shop from your favorite brands and local stores, receiving alerts for deals and new arrivals. Organize wishlists, track all your orders in one place, and enjoy a seamless one-tap checkout experience.

Papaya: Securely Pay Any Bill

(7.1M)

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Fast & Secure Bill Payments

Pay any billFast paymentsSecure processing

This app offers a streamlined and secure method for paying all your bills, eliminating the need for multiple logins or mailing checks. It utilizes advanced technology to process payments quickly and efficiently, supporting various payment methods for a wide range of bill types.

(118K)

Dayforce Wallet: On-demand Pay

Get paid as you earn.

Access earned wages on-demandTransfer funds to a debit cardManage earnings and track spending

Access your earned wages before payday with this app. Manage finances, set savings goals, and track spending all in one place. Transfer funds to a debit card for purchases or withdrawals, with no fees for on-demand pay.

(57K)