Best Bill Pay Apps

4.8😊(34K ratings)

FreeAds

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)

Pay with Sublime by Sublime Payments Company

Split up and save on bills

Worth Considering

Four | Buy Now, Pay Later

4.7(157 ratings)

Free

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.

More Bill Pay apps to explore

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.

BILL Spend & Expense (Divvy)

(117K)

freemium

Corporate cards + expense mgt.

Automated expense trackingReal-time budget visibilityPhysical and virtual corporate cards

This app offers a free, automated solution for managing business expenses. It combines corporate cards with software to track spending, provide real-time budget insights, and automate expense recording. It helps businesses stay within budget, manage approvals, and integrate with accounting software.

(29K)

PayLater: Split Your Payments

Relax, PayLater

Split payments into 4 installmentsFast and easy onboardingSecure PCI DSS-compliant transactions

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.

(298)

Papaya: Securely Pay Any Bill

Fast & Secure Bill Payments

Pay any billFast paymentsSecure processing

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.

The trusted way to pay

Quick and secure bill paymentsPartnerships with local billing organizationsAuto-pay functionality

This app allows users to pay bills quickly and securely through partnerships with local city and billing organizations. It simplifies the payment process by letting you select your provider, look up your account, and set up auto-pay. Receive real-time alerts and pay using various methods.

(26K)

Shop Now. Split your payments.

Afterpay: Pay over time

Split purchases into 4 paymentsMonthly payment options availableDiscover exclusive deals and brands

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.

(753K)

Tabby: Send, spend and save

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)

Goodbudget Budget Planner

Money & Expense Tracker

Virtual envelope budgetingShared budgetsExpense tracking

This app helps you manage your finances and plan your spending using a virtual envelope system. Track expenses, monitor debt, and gain insights with helpful reports. Share your budget with family or friends across multiple devices.

Bills Organizer & Reminder

(13K)

freemium

Bill Manager and Bill Monitor

Bill tracking and managementCustomizable payment remindersRecurring and one-time bill setup

Manage all your bills in one place to avoid late fees and penalties. Track upcoming payments with customizable reminders and view your financial overview through charts and calendars. Securely access your data and easily mark bills as paid.

(24K)

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)

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)

Bills Manager

Never miss a bill again

Monthly bill listCalendar viewPast due and upcoming bills overview

Easily track your bills and avoid late fees with this intuitive app. It offers a clean interface for managing payments, viewing upcoming due dates, and receiving customizable notifications. All your data is stored locally on your device for privacy.

(8K)

Klarna: Smarter everyday money

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)

Flex - Rent On Your Schedule

Split rent anywhere you live

Split rent into smaller paymentsPay rent on your own scheduleBuild credit history

This app allows renters to split their monthly rent into smaller, manageable payments. It facilitates on-time rent payments, helps build credit history, and offers a flexible repayment schedule.

(489K)

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)

BillPadi - Pay bills with ease

One stop utilities app

Instant airtime rechargeData bundle purchasesCable TV bill payment

Easily pay for essential services like airtime, data, cable TV, and electricity bills. This platform offers instant recharge and a variety of payment options for your convenience.

🔧 Utilities

(3)

Tilt: Cash Advance & Credit

Cash Advance, Credit Cards

Cash advances up to $400Lines of credit up to $1,000Credit cards with cash back rewards

Access cash and credit through advances, lines of credit, and credit cards. The app evaluates real-time income and spending to determine eligibility, offering options without traditional credit checks. It also provides credit score monitoring and automated savings features.