1. Home
  2. Topics
  3. 4Pay

Best 4Pay Apps

248+ iOS apps curated and reviewed

4.5 avg rating
20 free apps
Updated October 2026

Looking for free 4pay apps? 20 of our 248+ tracked titles are free to download — no subscription, no trial. The rest are premium picks worth paying for.

Compare top 4Pay Apps (October 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Four | Buy Now, Pay LaterFour | Buy Now, Pay LaterFree4.8★ (125K)NoNoNov 2026
2Afterpay: Pay over timeAfterpay: Pay over timeFree4.9★ (753K)NoNoNov 2026
34Pay Finance: Compre BTC, USDT4Pay Finance: Compre BTC, USDTFree5.0★ (2)NoNoOct 2026
4Zip - Buy Now, Pay LaterZip - Buy Now, Pay LaterFree4.9★ (884K)NoNoNov 2026
5Deferit: Pay bills in 4Deferit: Pay bills in 4Free4.8★ (37K)YesNoNov 2026
6Sezzle: Buy Now, Pay LaterSezzle: Buy Now, Pay LaterFree4.9★ (309K)NoNoNov 2026
7Klarna: Smarter everyday moneyKlarna: Smarter everyday moneyFree4.9★ (2.5M)YesNoNov 2026
8Affirm: Buy now, pay over timeAffirm: Buy now, pay over timeFree4.9★ (1.9M)NoNoNov 2026

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😞(125K ratings)
Free
#43in 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

This shopping app allows you to buy now and pay later at hundreds of online retailers. Split purchases into four easy payments, managed within a single app for a smoother checkout experience. Upgrade for exclusive access and offers.

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
Afterpay: Pay over time#2

Afterpay: Pay over time by Afterpay

Shop Now. Split your payments.
Strong Contender
🛍️ Shopping
4.9😐(753K ratings)
Free
#37in 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 your favorite brands online or in-store and split payments over time. Access exclusive deals and manage your purchases with flexible payment options. Get what you want now and pay later with convenient installment plans.

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

FAQ about 4Pay

What are the best 4pay apps for iPhone?
Four | Buy Now, Pay Later tops our 4pay apps ranking as of October 2026, with a 4.8-star average from 125K App Store ratings, and it's free to download.
Yes — 20 of the top 4pay apps we rank are free to download, including Four | Buy Now, Pay Later and Afterpay: Pay over time.
Four | Buy Now, Pay Later has no ads and has no in-app purchases, according to its App Store listing as of October 2026.
We track 248+ 4pay apps on the iOS App Store as of October 2026, ranked by rating, recency, and analysis of real user reviews.

Related searches

4pay inc.4pay finance: compre btc, usdt4pati4patrol