Best Apple Pay Later Apps

4.8😊(7.4M ratings)

Free

Securely store and manage digital versions of your credit/debit cards, IDs, transit passes, tickets, and keys. Use it to make payments, send money, and access venues and transportation with your iPhone or Apple Watch.

What We Love

🚀 Convenient and easy to use
🔒 Secure with Face ID/Touch ID
💳 Integrates credit/debit cards well
🎟️ Stores tickets and passes
🏠 Stores digital keys and IDs

Room to Improve

🚫 Limited ability to add loyalty/membership cards
🤔 Inconsistent card detection and adding
💰 Unauthorized charges and payment issues
🔍 Lack of customization options (nicknames, images)
🇨🇦 Limited support for Canadian features

Afterpay: Pay over time by Afterpay

Shop Now. Split your payments.

Strong Contender

4.9😐(753K ratings)

Free

#36in 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

PayLater: Split Your Payments by Pay Later

Relax, PayLater

Worth Considering

Debit card, rewards, pay later

3.5😞(298 ratings)

Free

PayLater: Split Your Payments screenshot 1

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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.

What We Love

👍 Trusted
👍 Great experience

Room to Improve

💡 No Arabic language support
💡 Low spending limit
🐛 Debit card not supported
🐛 OTP not received
🐛 Unable to delete app and restart
🐛 Discriminatory spending limits between customers

More Apple Pay Later apps to explore

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)

Sezzle: Buy Now, Pay Later

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.

(302K)

Tap to Pay + Contactless + POS

Credit Card Reader + Processor

Accept major credit cardsContactless payment processingBank-grade encryption

Accept credit card payments directly on your iPhone without additional hardware. This app supports major card types and offers secure, bank-grade encryption for seamless in-person transactions. Streamline your business operations with a modern payment solution.

💼 Business

(3.8K)

Zip - Buy Now, Pay Later

Shop Now & Pay Over Time

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.

(866K)

Pay for things, get some free

Tuyo: Buy Now, Pay Maybe

Self-custodial control of USDCUSD, EUR, MXN account numbersFree, instant global USDC transfers

Manage your digital dollars (USDC) with a self-custodial finance app. Access global banking features, send money instantly worldwide, and earn yield on your holdings. Spend USDC at millions of merchants using a linked card.

(130)

Money. Debit Card. Bitcoin.

Cash App

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)

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)

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)

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.

Tabby: Send, spend and save

(117K)

freemium

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)

Dave: Credit, Cash & Money App

Get Paid Early, No Hidden Fees

Up to $500 cash advanceNo credit check or interest on advancesGet paid up to 2 days early

Access up to $500 in minutes without a credit check or interest. Get paid up to two days early, avoid pesky fees, and save effortlessly with dedicated savings accounts. This app offers financial management tools to help you reach your goals.

Klarna: Smarter everyday money

(899K)

freemium

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)

Payments, Balance & Rewards

Amex

Secure account managementTrack spending and rewardsPay bills and manage balance

Manage your American Express account securely from anywhere. Track spending, view rewards, pay your bill, and discover personalized offers. Enjoy quick, safe access with biometric login and instant alerts for added peace of mind.

Shopping designed around you

Personalized product recommendationsBrowse latest Apple productsOrder tracking

Discover and shop the latest Apple products with a personalized experience. Get tailored recommendations, track orders, and access support. Explore creative tips and book in-store sessions.

rapid! Access PayCard OnDemand

Activate/replace PayCardView balances and transaction historyTransfer funds between accounts

Access your PayCard and on-demand earnings instantly. Manage your accounts, transfer funds, deposit checks remotely, and pay bills. Earn cash back rewards and find nearby ATMs.

(193K)

Your money, when you need it!

DailyPay On-Demand Pay

Instant access to earned payReal-time earnings trackingFree credit score monitoring

Access your earned wages instantly, monitor your credit score, and build savings with automated tools. This app also offers curated deals and cash back on everyday purchases, all while providing 24/7 customer support.

(495K)

Split up and save on bills

Pay with Sublime

Split bills into smaller paymentsEarn 5% cash back on timely paymentsAutomatic bill negotiation

This app helps you lower your bills by splitting payments and earning cash back. It automatically finds savings, negotiates on your behalf, and tracks your subscriptions. Take control of your finances and reduce expenses without direct customer service calls.

(157)