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Best Bill Pay Installment Apps

236+ iOS apps curated and reviewed

4.4 avg rating
20 free apps
Updated August 2026

Whether you're new to bill pay installment or looking for an upgrade, our curated collection of 236+ iOS apps has something for everyone. Each app is reviewed and rated by real users, helping you make an informed decision.

Compare top Bill Pay Installment Apps (August 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Papaya: Securely Pay Any BillPapaya: Securely Pay Any BillFree4.8★ (118K)NoNoAug 2026
2Deferit: Pay bills in 4Deferit: Pay bills in 4Free4.8★ (32K)YesNoAug 2026
3Xpress Bill PayXpress Bill PayFree4.8★ (26K)NoNoAug 2026
4Sezzle: Buy Now, Pay LaterSezzle: Buy Now, Pay LaterFree4.9★ (298K)NoNoAug 2026
5Zip - Buy Now, Pay LaterZip - Buy Now, Pay LaterFree4.9★ (853K)NoNoAug 2026
6doxo: All-in-One Bill Paydoxo: All-in-One Bill PayFree4.2★ (1.1K)YesNoAug 2026
7Afterpay: Pay over timeAfterpay: Pay over timeFree4.9★ (752K)NoNoAug 2026
8Pay with SublimePay with SublimeFree4.7★ (133)NoNoAug 2026

Top Picks for Bill Pay Installment

Papaya: Securely Pay Any Bill#1

Papaya: Securely Pay Any Bill by SnapPays Mobile, Inc

Fast & Secure Bill Payments
Editor's Choice
💰 Finance
4.8😞(118K ratings)
Free
Papaya: Securely Pay Any Bill screenshot 1
Papaya: Securely Pay Any Bill screenshot 2
Papaya: Securely Pay Any Bill screenshot 3
Papaya: Securely Pay Any Bill screenshot 4
Papaya: Securely Pay Any Bill screenshot 5
Papaya: Securely Pay Any Bill screenshot 6

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.

What We Love

  • 🚀 Easy and fast bill payment
  • 👍 Convenient for smartphones
  • 💡 Helpful for forgetful users
  • 🚀 Quick and efficient

Room to Improve

  • 🐛 Payments not processed correctly
  • 🔒 Privacy and security concerns
  • 🔍 Lack of customer support
Deferit: Pay bills in 4#2

Deferit: Pay bills in 4 by deferit Pty Ltd

Buy now pay later for bills
Strong Contender
💰 Finance
4.8😊(32K ratings)
FreeAds
Deferit: Pay bills in 4 screenshot 1
Deferit: Pay bills in 4 screenshot 2
Deferit: Pay bills in 4 screenshot 3
Deferit: Pay bills in 4 screenshot 4
Deferit: Pay bills in 4 screenshot 5
Deferit: Pay bills in 4 screenshot 6

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

Room to Improve

  • 🕰️ Delayed bill payments due to high volume
  • 🤖 Lack of phone/live chat support
  • 💰 Subscription fees and processing fees
Xpress Bill Pay#3

Xpress Bill Pay by Xpress Solutions Inc.

The trusted way to pay
Worth Considering
💰 Finance
4.8😐(26K ratings)
Free
Xpress Bill Pay screenshot 1
Xpress Bill Pay screenshot 2
Xpress Bill Pay screenshot 3
Xpress Bill Pay screenshot 4
Xpress Bill Pay screenshot 5
Xpress Bill Pay screenshot 6

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.

What We Love

  • 👍 Easy to use
  • 🚀 Convenient bill payment
  • 💡 Helpful features like paperless statements
  • 👍 User-friendly app

Room to Improve

  • 🐛 Update loop issues
  • 🐛 App not working after updates
  • 🐛 Routing number/payment issues

More Bill Pay Installment apps to explore

4
Sezzle: Buy Now, Pay Later
Sezzle: Buy Now, Pay Later
Sezzle: Buy Now, Pay Later
Pay Over Time & Earn Rewards
Free

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.

Buy now, pay laterPay in 4 interest-free installmentsNo interest or hidden fees
🛍️ Shopping
(298K)
free with in-app purchases
5
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
🛍️ Shopping
(853K)
free with in-app purchases
6
doxo: All-in-One Bill Pay
doxo: All-in-One Bill Pay
doxo: All-in-One Bill Pay
Securely Track and Pay Bills
Free

Manage all your bills from one secure place. Pay over 120,000 billers with free delivery options and receive unlimited reminders to ensure you never miss a due date. Track payments and expenses in real-time.

Organize bills in one accountPay over 120,000 billersFree payment delivery
💰 Finance
(1.1K)
free with in-app purchases
7
Afterpay: Pay over time
Afterpay: Pay over time
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.

Split purchases into 4 paymentsMonthly payment options availableDiscover exclusive deals and brands
🛍️ Shopping
(752K)
free with in-app purchases
8
Pay with Sublime
Pay with Sublime
Pay with Sublime
Split up and save on bills
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.

Split bills into smaller paymentsEarn 5% cash back on timely paymentsAutomatic bill negotiation
💰 Finance
(133)
free
9
BILL AP & AR Business Payments
BILL AP & AR Business Payments
BILL AP & AR Business Payments
Pay bills and get paid online
Free

This app streamlines business payments and receivables, automating accounts payable and receivable processes. It offers flexible payment options and real-time tracking, saving time and improving cash flow.

Automate AP and ARMultiple payment options (ACH, wires, virtual card, credit card, check)Real-time payment tracking and notifications
💼 Business
(49K)
free
10
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
🛍️ Shopping
(112K)
freemium
11
Servpay – Pay Bills Easily
Servpay – Pay Bills Easily
Servpay – Pay Bills Easily
Pay Bills Fast and Securely
Free
🔧 Utilities
(0)
12
PaySite®
PaySite®
PaySite®
by U.S. Payments LLC
Free

Manage and pay your bills from a single account. This app allows you to store bill information and make payments using a checking account or credit card. For cash payments, locate a kiosk and use your barcode for faster access.

Centralized bill storageMultiple bill paymentsChecking account payments
💰 Finance
(10)
free
13
PowerPlug: Pay Bills & Airtime
PowerPlug: Pay Bills & Airtime
PowerPlug: Pay Bills & Airtime
Pay Bills & Airtime Online
Free

Effortlessly pay electricity bills, TV subscriptions, and purchase airtime and data at discounted rates. Earn instant cashback rewards on every transaction with a user-friendly interface and multiple payment options.

Discounted bill paymentsAirtime and data top-upsCashback rewards
💰 Finance
(5)
free
14
SurePay Mobile
SurePay Mobile
SurePay Mobile
by SurePay Holdings Limited
Free
💰 Finance
(0)
15
BillSpot – Pay Bills
BillSpot – Pay Bills
BillSpot – Pay Bills
Pay bills, buy airtime, data
Free
💰 Finance
(0)
16
PayLater - Split in 4 payments
PayLater - Split in 4 payments
PayLater - Split in 4 payments
The Only Way to Split Pay
Free

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.

Split payments into 4 installmentsFast and easy onboardingSecure PCI DSS-compliant transactions
💰 Finance
(271)
free
17
PayS: Bill Payments Made Easy
PayS: Bill Payments Made Easy
PayS: Bill Payments Made Easy
Utility Payments Made Easy
Free
🔧 Utilities
(0)
18
SoLo Funds: Lend & Borrow
SoLo Funds: Lend & Borrow
SoLo Funds: Lend & Borrow
Loans On Your Terms
Free

Access funds up to $625 without credit checks or earn money by lending to others. This community finance platform offers a banking solution and AI-powered financial advice. It ensures no hidden fees and provides a safety net for its members.

Access up to $625 without credit checksEarn money by funding others' requestsAI-powered financial co-pilot (SoLo IQ)
💰 Finance
(40K)
free with in-app purchases
19
Pago - Bill payments
Pago - Bill payments
Pago - Bill payments
Manage and pay your bills
Free

Simplify your financial life by managing and paying all your bills from a single, secure account. Receive timely notifications and organize payments to avoid late fees. Go paperless and contribute to environmental conservation.

Manage and pay all bills from one accountView bills sorted by due datePay bills for multiple properties or others
💰 Finance
(80)
free
20
Sniip - The easy way to pay
Sniip - The easy way to pay
Sniip - The easy way to pay
Any bill or card. Full points.
Free

Easily pay any bill or card with this app. Track payments, schedule future payments, and set up recurring bills. Automatically import emailed bills and receive payment reminders. Earn rewards on eligible payments.

Pay any bill with BPAY Biller CodeSchedule and set up recurring paymentsAutomatic bill import and push notifications
💰 Finance
(2)
free with in-app purchases

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FAQ about Bill Pay Installment

What are the best bill pay installment apps for iPhone?
Papaya: Securely Pay Any Bill tops our bill pay installment apps ranking as of August 2026, with a 4.8-star average from 118K App Store ratings, and it's free to download.
Yes — 20 of the top bill pay installment apps we rank are free to download, including Papaya: Securely Pay Any Bill and Deferit: Pay bills in 4.
Papaya: Securely Pay Any Bill has no ads and has no in-app purchases, according to its App Store listing as of August 2026.
We track 236+ bill pay installment apps on the iOS App Store as of August 2026, ranked by rating, recency, and analysis of real user reviews.
The app provides a unified platform to pay all your bills quickly and securely. It eliminates the need to log into multiple accounts or mail checks, simplifying the entire bill payment process.
You can pay virtually any bill, including medical, dental, utilities, rent, insurance, loans, parking tickets, DMV fees, business expenses, and more. The app is designed to handle a wide variety of payment needs.