Best Bill Pay Installment Apps

237+ iOS apps curated and reviewed

4.6 avg rating
20 free apps
Updated September 2026

Whether you're new to bill pay installment or looking for an upgrade, our curated collection of 237+ 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 (September 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Papaya: Securely Pay Any BillPapaya: Securely Pay Any BillFree4.8★ (118K)NoNoSep 2026
2Deferit: Pay bills in 4Deferit: Pay bills in 4Free4.8★ (33K)YesNoSep 2026
3Xpress Bill PayXpress Bill PayFree4.8★ (26K)NoNoSep 2026
4Split Pay: Split Bills in TwoSplit Pay: Split Bills in TwoFree4.9★ (16K)NoNoSep 2026
5Sezzle: Buy Now, Pay LaterSezzle: Buy Now, Pay LaterFree4.9★ (300K)NoNoSep 2026
6Zip - Buy Now, Pay LaterZip - Buy Now, Pay LaterFree4.9★ (858K)NoNoSep 2026
7doxo: All-in-One Bill Paydoxo: All-in-One Bill PayFree4.2★ (1.1K)NoNoSep 2026
8Afterpay: Pay over timeAfterpay: Pay over timeFree4.9★ (753K)NoNoSep 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
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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
  • ⏱️ Slow payment processing times
  • 🤖 Frustrating automated responses
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😊(33K ratings)
FreeAds
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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)
Xpress Bill Pay#3

Xpress Bill Pay by Xpress Solutions Inc.

The trusted way to pay
Worth Considering
💰 Finance
4.8😐(26K ratings)
Free
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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
  • 👍 Quick and easy to pay bills
  • 👍 Excellent app for paying bills

Room to Improve

  • 🐛 Update loop issues
  • 🐛 App not working after updates
  • 🐛 Routing number/payment issues
  • 🐛 Inability to make multiple payments at once
  • 🐛 Incompatibility with certain payment methods
  • 🐛 Confusing/frustrating user experience

More Bill Pay Installment apps to explore

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 September 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 September 2026.
We track 237+ bill pay installment apps on the iOS App Store as of September 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.