Best Apps With Payment Plan Options

Four | Buy Now, Pay Later

Flexible Shopping & Payments

Free

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.

Afterpay: Pay over time

Shop Now. Split your payments.

Free

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.

Klarna: Smarter everyday money

Shop anywhere, manage & save

Free

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.

Affirm: Buy now, pay over time

Flexible payments, big savings

Free

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.

PayPal - Send, Manage, Pay

Savings, cash back, pay later

Free

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.

Tabby: Pay over time

Pay in 4. No hidden fees

Free

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.

OnePay – Mobile Banking

Bank. Borrow. Build Credit.

Free

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.

Deferit: Pay bills in 4

Save & build credit history

Free

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.

Klover - Instant Cash Advance

Up to $400 Before Payday

Free

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.

Money App - Cash Advance

by PRG Ventures, Inc.

Free

Access your earned wages early to cover immediate expenses like groceries, gas, and bills. This service allows you to get cash before your payday without interest, credit checks, or hidden fees. Repayment is automatic via payroll deduction or linked bank account.

Cash App

P2P. BTC. Debit Card. Wallet.

Free

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.

Upgrade - Mobile Banking

Rewards Checking, Loans, Cards

Free

Manage your finances with a comprehensive mobile banking app. Access rewards checking, loans, and cards. Track balances, pay bills, monitor credit, and request cash advances.

Square Point of Sale (POS)

Payments & Business Dashboard

Free

This all-in-one payments processing app helps businesses of all types manage operations, accept payments, and boost profits. It offers industry-specific modes for retail, restaurants, services, and beauty businesses, with features like inventory management, online booking, and invoicing.

FloatMe: Fast Cash Advance App

Borrow Money Between Paychecks

Free

Access quick cash advances to cover bills and expenses between paychecks. This app offers money management tools, low balance alerts, and a marketplace for earning opportunities. Securely connect your bank account for seamless transactions.

Papaya: Securely Pay Any Bill

Fast & Secure Bill Payments

Free

This app offers a streamlined and secure method for paying all your bills, eliminating the need for multiple logins or mailing checks. It utilizes advanced technology to process payments quickly and efficiently, supporting various payment methods for a wide range of bill types.

Payment for Stripe

Card Reader, Tap to Pay & POS

Free

Accept various payment methods including card readers and contactless payments directly on your iPhone. Manage products, subscriptions, customers, and send branded receipts. Ideal for businesses needing to process in-person transactions efficiently.

PayPal POS (ex Zettle)

Grow with our point of sale.

Free

This application allows businesses to accept various in-person payments, including cards and contactless methods. It also provides tools for managing inventory, tracking sales with reports, and creating staff accounts. Integrations are available for accounting, e-commerce, and specific industries.