Best Auto Pay Apps

220+ iOS apps curated and reviewed

4.7 avg rating
20 free apps
Updated July 2026

Every iPhone needs a few good Auto pay apps. We benchmark 220+ of them on App Store rating, freshness, and pricing, then surface the standouts so you don't have to scroll the App Store yourself.

Compare top Auto Pay Apps (July 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1AutoPayAutoPayFreeโ€”NoNoMay 2026
2Afterpay: Pay over timeAfterpay: Pay over timeFree4.9โ˜… (752K)NoNoAug 2026
3Apple WalletApple WalletFree4.8โ˜… (6.7M)YesNoAug 2026
4AutoPayPlusAutoPayPlusFree3.6โ˜… (14)NoNoAug 2026
5Ally: Bank, Auto & InvestAlly: Bank, Auto & InvestFree4.7โ˜… (112K)NoNoAug 2026
6Klarna: Smarter everyday moneyKlarna: Smarter everyday moneyFree4.9โ˜… (2.3M)YesNoAug 2026
7Capital One MobileCapital One MobileFree4.8โ˜… (11M)NoNoAug 2026
8Affirm: Buy now, pay over timeAffirm: Buy now, pay over timeFree4.9โ˜… (1.7M)NoNoAug 2026

Top Picks for Auto Pay

Afterpay: Pay over time#2

Afterpay: Pay over time by Afterpay

Shop Now. Split your payments.
Strong Contender
๐Ÿ›๏ธ Shopping
4.9๐Ÿ˜(752K ratings)
Free
#31in Shopping
Afterpay: Pay over time screenshot 1
Afterpay: Pay over time screenshot 2
Afterpay: Pay over time screenshot 3
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

Room to Improve

  • ๐Ÿ› App/website technical issues
  • ๐Ÿ”’ Security and privacy concerns
  • ๐Ÿค– Lack of human customer support
Apple Wallet#3

Apple Wallet by Apple

Apple Pay, Apple Card and more
Worth Considering
๐Ÿ’ฐ Finance
4.8๐Ÿ˜Š(6.7M ratings)
FreeAds
Apple Wallet screenshot 1
Apple Wallet screenshot 2
Apple Wallet screenshot 3
Apple Wallet screenshot 4
Apple Wallet screenshot 5
Apple Wallet screenshot 6

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

  • ๐Ÿš€ Convenient and easy to use
  • ๐Ÿ”’ Secure with Face ID/Touch ID
  • ๐Ÿ’ณ Integrates credit/debit cards well
  • ๐ŸŽŸ๏ธ Stores tickets and passes

Room to Improve

  • ๐Ÿšซ Limited ability to add loyalty/membership cards
  • ๐Ÿค” Inconsistent card detection and adding
  • ๐Ÿ’ฐ Unauthorized charges and payment issues

More Auto Pay apps to explore

4
AutoPayPlus
AutoPayPlus
AutoPayPlus
Budgeting Done Better
Free

This app allows users to align their loan payments with their paychecks for better cash flow management. You can also adjust payment amounts to accelerate loan repayment and fit your financial situation.

Flexible payment schedulingAligns payments with paychecksAdjustable payment amounts
๐Ÿ’ฐ Finance
(14)
free
5
Ally: Bank, Auto & Invest
Ally: Bank, Auto & Invest
Ally: Bank, Auto & Invest
The app for all things money
Free

Manage your banking, investments, and auto payments all in one secure app. Features include smart savings tools, commission-free trading, and personalized investment advice. Get early direct deposit and free FICOยฎ Score updates.

Manage bank, auto, and investment accountsSchedule vehicle payments and use Auto PaySmart savings tools like buckets and boosters
๐Ÿ’ฐ Finance
(112K)
free
6
Klarna: Smarter everyday money
Klarna: Smarter everyday money
Klarna: Smarter everyday money
Cashback, payments, savings
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.

Flexible payment optionsInterest-free installmentsUp to 10% cashback
๐Ÿ’ฐ Finance
(2.3M)
free with in-app purchases
7
Capital One Mobile
Capital One Mobile
Capital One Mobile
Easy account access anywhere.
Free

Manage your finances on the go with comprehensive account access. View balances, pay bills, track transactions, and monitor your credit score. The app also offers card management, rewards redemption, and peer-to-peer payments.

View account balances and statementsPay bills and loansCheck credit score with CreditWise
๐Ÿ’ฐ Finance
(11M)
free
8
Affirm: Buy now, pay over time
Affirm: Buy now, pay over time
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.

Pay over time online and in-storeFlexible payment optionsDiscover 0% APR deals
๐Ÿ›๏ธ Shopping
(1.7M)
free with in-app purchases
9
DailyPay On-Demand Pay
DailyPay On-Demand Pay
DailyPay On-Demand Pay
Your money, when you need it!
Free

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.

Instant access to earned payReal-time earnings trackingFree credit score monitoring
๐Ÿ’ฐ Finance
(478K)
free with in-app purchases
10
Klover - Instant Cash Advance
Klover - Instant Cash Advance
Klover - Instant Cash Advance
Up to $750 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.

Cash advances up to $750No credit checks, late fees, or interestEarn points for surveys and ads
๐Ÿ’ฐ Finance
(372K)
free with in-app purchases
11
Carpay
Carpay
Carpay
Car loan management made easy
Free

Easily manage your car loan on the go. Make payments, view balances, and schedule automatic payments. Receive timely notifications to stay on top of your loan.

Make loan paymentsPrint receiptsCheck account balances
๐Ÿ’ฐ Finance
(4.9K)
free
12
Zip - Buy Now, Pay Later
Zip - Buy Now, Pay Later
Zip - Buy Now, Pay Later
Shop Now & Pay Over Time
Free

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.

Split payments into 4 or 8 installmentsBi-weekly payment scheduleVirtual and physical payment cards
๐Ÿ›๏ธ Shopping
(853K)
free with in-app purchases
13
Rain Instant Pay
Rain Instant Pay
Rain Instant Pay
Unlock your employer benefits!
Free

Access your earned wages and employer benefits instantly, anytime. Track your earnings, gain financial insights, and utilize a full suite of financial tools. Manage your money on your terms with secure, on-demand access.

Instant access to earned wagesTrack earnings in real-timeFinancial coaching and education
๐Ÿ’ผ Business
(41K)
free
14
MyEasyPay
MyEasyPay
MyEasyPay
by Duvera Billing Services, LLC
Free

Manage your finance account securely and conveniently. Make payments, set up autopay, and track your transaction history. View account details and monitor promotional offers for potential savings.

Secure biometric loginManage one-time and scheduled paymentsSet up AutoPay
๐Ÿ’ฐ Finance
(1.8K)
free
15
Tap to Pay, POS SystemใƒปTofu
Tap to Pay, POS SystemใƒปTofu
Tap to Pay, POS SystemใƒปTofu
Payment Links & Point of Sale
Free

Accept contactless payments directly on your iPhone without extra hardware. This app lets you turn your phone into a payment terminal, process mobile wallet payments, and issue convenient payment links for online orders and invoices.

Accept contactless paymentsIssue payment linksUse iPhone as payment terminal
๐Ÿ’ผ Business
(361)
free with in-app purchases
16
Tamara | Own your Dream
Tamara | Own your Dream
Tamara | Own your Dream
Pay in up to 24, No late fees
Free

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.

Pay in installments or in fullSign up in minutesShop at thousands of partners
๐Ÿ’ฐ Finance
(59K)
free
17
Advance Auto Parts
Advance Auto Parts
Advance Auto Parts
Car, Truck & Motorcycle Parts
Free

Easily shop for car, truck, and motorcycle parts, tools, and accessories. Find the right parts for your vehicle, track orders, and locate nearby stores. Access exclusive deals and DIY resources.

Vehicle part search by year, make, model, or VINSave vehicles to a personal garageSecure checkout with multiple payment options
๐Ÿ›๏ธ Shopping
(123K)
free with in-app purchases
18
EasyPark - Parking made easy
EasyPark - Parking made easy
EasyPark - Parking made easy
Pay for your parking by phone
Free

This app simplifies parking by allowing users to pay for parking sessions directly from their mobile phones. It offers features like remote session extension, finding nearby parking, and even EV charging, aiming to save time and reduce stress. It's available in numerous cities across multiple countries.

Pay for parking via phoneStart and stop parking sessionsRemotely extend parking time
โœˆ๏ธ Travel
(9.1K)
free with in-app purchases
19
Rapido: Bike-Taxi, Auto & Cabs
Rapido: Bike-Taxi, Auto & Cabs
Rapido: Bike-Taxi, Auto & Cabs
Get a ride in 5 minutes
Free

This app provides on-demand transportation services, including bike-taxis, autos, and cabs. It aims to offer quick, affordable, and comfortable rides, helping users bypass traffic and reach their destinations efficiently. Safety features and convenient booking options are also highlighted.

Bike-taxi ridesAuto and cab bookingTraffic bypass
โœˆ๏ธ Travel
(41K)
free with in-app purchases
20
Four | Buy Now, Pay Later
Four | Buy Now, Pay Later
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.

Split purchases into 4 paymentsPay every two weeksManage orders in one app
๐Ÿ›๏ธ Shopping
(112K)
freemium

FAQ about Auto Pay

Are there free Auto pay apps for iPhone?
Yes โ€” 20 of the top Auto pay apps we rank are free to download, including AutoPay and Afterpay: Pay over time.
AutoPay has no ads and has no in-app purchases, according to its App Store listing as of July 2026.
We track 220+ Auto pay apps on the iOS App Store as of July 2026, ranked by rating, recency, and analysis of real user reviews.

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