Best Affrmr Apps

Split payments into 4 or 8 installmentsBi-weekly payment scheduleVirtual and physical payment cards

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.

(858K)

Four | Buy Now, Pay Later

Flexible Shopping & Payments

Split purchases into 4 paymentsPay every two weeksManage orders in one app

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.

Sezzle: Buy Now, Pay Later

(117K)

freemium

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.

(300K)

Debit card, rewards, pay later

PayPal - Pay, Send, Save

Send and receive money globallyEarn cash back offersRequest a debit card

Manage your finances with a secure app for online and in-store shopping, sending money globally, and earning cash back. It also offers savings accounts, cryptocurrency trading, and package tracking.

(6.3M)

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.

Money. Debit Card. Bitcoin.

Send & receive money/bitcoin instantlyRound up spare change to saveInvest in stocks, ETFs, and bitcoin

Easily send and receive money or bitcoin instantly. Save by rounding up change, invest in stocks or bitcoin, and get paid up to two days early with direct deposit. Features a customizable debit card with exclusive discounts.

(8.7M)

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)

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.

Tabby: Send, spend and save

(7.1M)

ad-supported

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.

Apply for a lease-to-own purchase from your phone to get the items you need now and pay over time. This app connects you with over 30,000 retail locations nationwide, making it easy to find and acquire your next upgrade, even with less-than-perfect credit.

Apply from home or on the goLease-to-own purchase optionInstant decision for applications

(34K)

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.

(32K)

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)

Klover - Instant Cash Advance

Up to $750 Before Payday

Cash advances up to $750No credit checks, late fees, or interestEarn points for surveys and ads

Access cash advances up to $750 before your next payday without credit checks, late fees, or interest. Earn points for surveys and ads to increase your advance amount. Utilize budgeting tools and track your credit score.

(376K)

Suave: Buy now, pay later.

Easy shopping.

Pay in 4, 6, or 12 monthly installmentsInstant prequalificationShop at favorite stores

Shop for items you need and pay them off over time with flexible monthly payment plans. Get prequalified instantly, then use the app to manage your purchases and payments at your favorite stores.

Bank. Borrow. Build Credit.

(760)

free

OnePay – Mobile Banking

Early pay and rewardsHigh-yield savings accountsCash back credit card

Manage your finances with a mobile banking solution offering early pay, rewards, and high-yield savings. Access a cash rewards credit card, affordable wireless plans, and a credit builder loan. Buy now, pay later options are also available.

(424K)

Fingerhut Mobile

by Bluestem Brands

View available creditCheck current balanceMake payments

Manage your credit accounts and make payments conveniently. View your available credit, current balance, and past payment history. Set up recurring payments for your Fingerhut Fetti and Advantage accounts.

Beem: Cash Advance & Banking

(94K)

free

Bank, Budget & Build Credit

Instant cash advances up to $1,000Automatic credit building on every purchaseAI agents for job finding, deals, price comparison, and budgeting

This app offers instant cash advances up to $1,000 without interest or credit checks. It also automatically builds your credit with every purchase and provides AI-powered financial tools to optimize your money.

(32K)