Best Afterpay Plus Apps

247+ iOS apps curated and reviewed

4.3 avg rating
20 free apps
Updated September 2026

If you already know Afterpay, this is the deeper bench. 247+ afterpay plus apps for iPhone, all reviewed and ranked by user rating, recency, and download trend as of September 2026.

Compare top Afterpay Plus Apps (September 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Afterpay: Pay over timeAfterpay: Pay over timeFree4.9★ (753K)NoNoSep 2026
2Affirm: Buy now, pay over timeAffirm: Buy now, pay over timeFree4.9★ (1.7M)NoNoSep 2026
3Deferit: Pay bills in 4Deferit: Pay bills in 4Free4.8★ (34K)YesNoSep 2026
4Sezzle: Buy Now, Pay LaterSezzle: Buy Now, Pay LaterFree4.9★ (301K)NoNoSep 2026
5Four | Buy Now, Pay LaterFour | Buy Now, Pay LaterFree4.8★ (117K)NoNoSep 2026
6Zip - Buy Now, Pay LaterZip - Buy Now, Pay LaterFree4.9★ (858K)NoNoSep 2026
7CirclePay - Buy Now Pay LaterCirclePay - Buy Now Pay LaterFree3.0★ (2)NoNoAug 2026
8Klarna: Smarter everyday moneyKlarna: Smarter everyday moneyFree4.9★ (2.4M)YesNoSep 2026

Top Picks for Afterpay Plus

Afterpay: Pay over time#1

Afterpay: Pay over time by Afterpay

Shop Now. Split your payments.
Editor's Choice
🛍️ Shopping
4.9😐(753K ratings)
Free
#31in Shopping
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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
Affirm: Buy now, pay over time#2

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

Flexible payments, big savings
Strong Contender
🛍️ Shopping
4.9😞(1.7M ratings)
Free
#18in Shopping
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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

  • 🙏 Helpful in tough times
  • 💳 Convenient financing option
  • 📈 Improved credit score

Room to Improve

  • 🤔 Confusing payment process
  • 🔒 Security and privacy concerns
  • 🔍 Difficulty verifying identity
  • 🚫 Unexpected account closures
  • 💰 High interest rates
Deferit: Pay bills in 4#3

Deferit: Pay bills in 4 by deferit Pty Ltd

Buy now pay later for bills
Worth Considering
💰 Finance
4.8😊(34K ratings)
FreeAds
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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.

What We Love

  • 💳 Helpful for paying bills in installments
  • ⏱️ Fast bill payment processing
  • 📆 Ability to change payment due dates
  • 🤝 Friendly and responsive customer service
  • 🧭 Convenient all-in-one bill management
  • 🆙 Increasing credit limits over time

Room to Improve

  • 🕰️ Delayed bill payments due to high volume
  • 🤖 Lack of phone/live chat support
  • 💰 Subscription fees and processing fees
  • 🚫 Issues with canceling or stopping payments
  • 🤔 Unclear payment methods (online vs. check)

More Afterpay Plus apps to explore

FAQ about Afterpay Plus

What are the best afterpay plus apps for iPhone?
Afterpay: Pay over time tops our afterpay plus apps ranking as of September 2026, with a 4.9-star average from 753K App Store ratings, and it's free to download.
Yes — 20 of the top afterpay plus 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 247+ afterpay plus 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.