Best Afterpay Apps

248+ iOS apps curated and reviewed

4.7 avg rating
20 free apps
Updated September 2026

Whether you're new to afterpay or looking for an upgrade, our curated collection of 248+ iOS apps has something for everyone. Each app is reviewed and rated by real users, helping you make an informed decision.

Compare top Afterpay Apps (September 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Afterpay: Pay over timeAfterpay: Pay over timeFree4.9โ˜… (753K)NoNoSep 2026
2Affirm: Buy now, pay over timeAffirm: Buy now, pay over timeFree4.9โ˜… (1.7M)NoNoSep 2026
3Klarna: Smarter everyday moneyKlarna: Smarter everyday moneyFree4.9โ˜… (2.4M)YesNoSep 2026
4Zip - Buy Now, Pay LaterZip - Buy Now, Pay LaterFree4.9โ˜… (858K)NoNoSep 2026
5Four | Buy Now, Pay LaterFour | Buy Now, Pay LaterFree4.8โ˜… (117K)NoNoSep 2026
6Cash AppCash AppFree4.8โ˜… (8.7M)NoNoSep 2026
7Perpay - Shop and Build CreditPerpay - Shop and Build CreditFree4.9โ˜… (16K)NoNoSep 2026
8PayPal - Pay, Send, SavePayPal - Pay, Send, SaveFree4.8โ˜… (6.3M)YesNoSep 2026

Top Picks for Afterpay

Afterpay: Pay over time#1

Afterpay: Pay over time by Afterpay

Shop Now. Split your payments.
4.9๐Ÿ˜(753K ratings)
Free
#31in Shopping
Afterpay: Pay over time screenshot 1
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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 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

  • ๐Ÿš€ Convenient payment plan
  • ๐Ÿ’ณ No interest or hidden fees
  • ๐Ÿค Good customer service (initially)
  • ๐Ÿ“ˆ Increasing credit limit with usage
  • ๐Ÿ›’ Wide range of participating stores
  • ๐Ÿ•ฐ๏ธ Flexible payment scheduling
  • ๐Ÿ’ฐ Helps with budgeting and affordability

Room to Improve

  • ๐Ÿ› App/website technical issues
  • ๐Ÿ”’ Security and privacy concerns
  • ๐Ÿค– Lack of human customer support
  • ๐Ÿ”ฝ Drastic credit limit reductions
  • ๐Ÿšซ Accounts closed/banned for minor issues
  • ๐Ÿ’ณ Incompatibility with certain payment methods
  • ๐Ÿ•ฐ๏ธ Automatic payments causing overdraft issues
Affirm: Buy now, pay over time#2

Affirm: Buy now, pay over time by Affirm, Inc.

Flexible payments, big savings
4.9๐Ÿ˜ž(1.7M ratings)
Free
#18in Shopping
Affirm: Buy now, pay over time screenshot 1
Affirm: Buy now, pay over time screenshot 2
Affirm: Buy now, pay over time screenshot 3
Affirm: Buy now, pay over time screenshot 4
Affirm: Buy now, pay over time screenshot 5
Affirm: Buy now, pay over time screenshot 6

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.

What We Love

  • ๐Ÿ™ Helpful in tough times
  • ๐Ÿ’ณ Convenient financing option
  • ๐Ÿ“ˆ Improved credit score

Room to Improve

  • ๐Ÿค” Confusing payment process
  • ๐Ÿ”’ Security and privacy concerns
  • ๐Ÿ” Difficulty verifying identity
  • ๐Ÿšซ Unexpected account closures
  • ๐Ÿ’ฐ High interest rates
Klarna: Smarter everyday money#3

Klarna: Smarter everyday money by Klarna Bank AB

Cashback, payments, savings
Worth Considering
๐Ÿ’ฐ Finance
4.9๐Ÿ˜ž(2.4M ratings)
FreeAds
#9in Finance
Klarna: Smarter everyday money screenshot 1
Klarna: Smarter everyday money screenshot 2
Klarna: Smarter everyday money screenshot 3
Klarna: Smarter everyday money screenshot 4
Klarna: Smarter everyday money screenshot 5
Klarna: Smarter everyday money screenshot 6

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.

What We Love

  • ๐Ÿ’ณ Easy payment process
  • ๐Ÿ“ฆ Wide range of stores
  • ๐Ÿ•ฐ๏ธ Flexible payment plans
  • ๐Ÿ” Convenient for large purchases

Room to Improve

  • ๐Ÿšซ Inconsistent approval process
  • โš ๏ธ Lack of Apple Wallet integration
  • ๐Ÿค– Automated decision-making issues
  • ๐Ÿ•ฐ๏ธ Slow/delayed refund processing
  • ๐Ÿคฏ Poor customer service

More Afterpay apps to explore

FAQ about Afterpay

What are the best afterpay apps for iPhone?
Afterpay: Pay over time tops our afterpay apps ranking as of September 2026, with a 4.9-star average from 753K App Store ratings, and it's free to download.
Yes โ€” 20 of the top afterpay apps we rank are free to download, including Afterpay: Pay over time and Affirm: Buy now, pay over time.
Afterpay: Pay over time has no ads and has no in-app purchases, according to its App Store listing as of September 2026.
We track 248+ afterpay apps on the iOS App Store as of September 2026, ranked by rating, recency, and analysis of real user reviews.
Afterpay is a service that allows you to shop now and pay for your purchases over time. You can split your payments into manageable installments, typically paying in 4 over six weeks or opting for monthly payments on eligible orders.
With the 'Pay in 4' feature, you can split your purchase into four equal installments. The first payment is due at the time of purchase, and the remaining three are generally paid every two weeks over the course of six weeks.

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