Best Bnpl Apps

131+ iOS apps curated and reviewed

4.4 avg rating
20 free apps
Updated May 2026

Whether you're new to bnpl or looking for an upgrade, our curated collection of 131+ iOS apps has something for everyone. Each app is reviewed and rated by real users, helping you make an informed decision.

Top Picks for Bnpl

Four | Buy Now, Pay Later#1

Four | Buy Now, Pay Later by Four Technologies, Inc.

Flexible Shopping & Payments
Editor's Choice
๐Ÿ›๏ธ Shopping
4.8๐Ÿ˜ž(106K ratings)
Free
#60in Shopping
Four | Buy Now, Pay Later screenshot 1
Four | Buy Now, Pay Later screenshot 2
Four | Buy Now, Pay Later screenshot 3
Four | Buy Now, Pay Later screenshot 4
Four | Buy Now, Pay Later screenshot 5

Shop now, pay later at your favorite stores with an app that allows you to split payments into four interest-free installments every 2 weeks. Manage orders, payments, and get notified before due dates. Discover new retailers in the app directory. Happy shopping!

What We Love

  • ๐Ÿ’ณ Convenient payment option
  • ๐Ÿ›’ Wide variety of stores
  • ๐Ÿค‘ Affordable payment plans
  • ๐Ÿ“ˆ Increasing spending limits

Room to Improve

  • ๐Ÿค– Poor customer service
  • โŒ Declined/canceled orders
  • ๐Ÿ’ฐ Unauthorized charges
Tamara | Shop Now Pay Later#2

Tamara | Shop Now Pay Later by Tamara FZE

Pay in up to 24, No late fees
Strong Contender
๐Ÿ’ฐ Finance
4.7๐Ÿ˜ž(59K ratings)
Free
Tamara | Shop Now Pay Later screenshot 1
Tamara | Shop Now Pay Later screenshot 2
Tamara | Shop Now Pay Later screenshot 3
Tamara | Shop Now Pay Later screenshot 4
Tamara | Shop Now Pay Later screenshot 5
Tamara | Shop Now Pay Later screenshot 6

Discover new and trending fashion items from top brands curated just for you. Get personalized recommendations based on your style preferences and shop the latest trends effortlessly. Update your wardrobe with ease!

What We Love

  • ๐Ÿ‘ Easy to use
  • ๐Ÿ’ก Helpful payment splitting
  • ๐Ÿš€ Smooth and fast transactions
  • ๐Ÿ™ Excellent customer service

Room to Improve

  • ๐Ÿ› Unreliable payment processing
  • ๐Ÿคฌ Terrible customer support
  • โŒ Unauthorized charges
Afterpay: Pay over time#3

Afterpay: Pay over time by Afterpay Holdings Ltd

Shop Now. Split your payments.
Worth Considering
๐Ÿ›๏ธ Shopping
3.1๐Ÿ˜(384 ratings)
FreeAds
#29in 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 fashion, beauty, and tech with the app that lets you buy now, pay later in four interest-free payments. Browse brands, products, discounts, and gift cards across various categories, manage orders, get price drop alerts, use in stores, and access customer support. Download now and enjoy the benefits of Afterpay!

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

More Bnpl apps to explore

4
Tabby: Pay over time
Tabby: Pay over time
Tabby: Pay over time
Pay in 4. No hidden fees
Free

Shop at your favorite brands and split purchases into 4 interest-free payments with Tabby. Track payments, get discounts, and explore thousands of products and brands. Take control of your spending with Tabby's convenient features and 24/7 chat support.

๐Ÿ’ฐ Finance
(3K)
5
Affirm: Buy now, pay over time
Affirm: Buy now, pay over time
Affirm: Buy now, pay over time
Flexible payments, big savings
Free

Shop stress-free with the Affirm app: pay over time at any store, access exclusive deals with low rates, manage your account and payments, and open a high-yield Money Account. Use the Affirm Card online or in-person, request payment plans, link your bank account, and shop easily with flexible payment options.

๐Ÿ›๏ธ Shopping
(1.7M)
6
Zip - Buy Now, Pay Later
Zip - Buy Now, Pay Later
Zip - Buy Now, Pay Later
Shop & Pay in 4ยน
Free

Shop now and pay later with Zip! Enjoy the convenience of making purchases without upfront payments. Experience hassle-free shopping today.

๐Ÿ›๏ธ Shopping
(820K)
7
Sezzle: Buy Now, Pay Later
Sezzle: Buy Now, Pay Later
Sezzle: Buy Now, Pay Later
Shop & Pay in 4ยน
Free

Shop clothing, beauty products, electronics, and more with flexible payment options through our app. Buy now and pay later in easy installments to make shopping convenient and affordable for you. Start shopping today and enjoy the freedom to pay at your own pace.

๐Ÿ›๏ธ Shopping
(287K)
8
Klarna: Smarter everyday money
Klarna: Smarter everyday money
Klarna: Smarter everyday money
Shop anywhere, manage & save
Free

Shop now and pay later with our online shopping app. Enjoy the convenience of deferred payments with easy installment options. Download now for effortless shopping!

๐Ÿ’ฐ Finance
(2.2M)
9
Perpay - Shop and Build Credit
Perpay - Shop and Build Credit
Perpay - Shop and Build Credit
Shop, pay later, build credit
Free

Shop, pay later, and build credit with an all-in-one shopping app. Buy your favorite brands and pay over time to improve your credit score. Start shopping smart today!

๐Ÿ’ฐ Finance
(8.4K)
10
Acima: Lease Now & Buy Later
Acima: Lease Now & Buy Later
Acima: Lease Now & Buy Later
Easy Leasing & Payment Options
Free

Lease must-have merchandise up to $4,000 without credit or cash using Acima. Shop furniture, electronics, appliances, and more from thousands of stores. Manage your lease details, payments, and agreements conveniently with the app.

๐Ÿ›๏ธ Shopping
(24K)
11
Katapult | Shop & Lease to Own
Katapult | Shop & Lease to Own
Katapult | Shop & Lease to Own
Browse, shop, lease, and own.
Free

Discover a revolutionary shopping companion that uses cutting-edge technology to enhance your shopping experience. Find personalized recommendations, exclusive deals, and seamless checkout options all in one place. Elevate your shopping with Katapult today!

๐Ÿ’ฐ Finance
(26K)
12
PayLater - Split in 4 payments
PayLater - Split in 4 payments
PayLater - Split in 4 payments
The Only Way to Split Pay
Free
๐Ÿ’ฐ Finance
(253)
13
PayPal - Pay, Send, Save
PayPal - Pay, Send, Save
PayPal - Pay, Send, Save
Savings, cash back, pay later
Free

An all-in-one app for sending money, managing your account, earning cash back, and growing your savings with high-yield options. Easily send money for free, get cash back on purchases, and manage your finances all in one place. Check it out now for a simple and secure way to stay on top of your financial transactions!

๐Ÿ’ฐ Finance
(6.3M)
14
Deferit: Pay bills in 4
Deferit: Pay bills in 4
Deferit: Pay bills in 4
Save & build credit history
Free

Pay and manage your bills effortlessly with our app. Take a photo of your bill, select the amount, and we pay it for you. Save money, build credit history, and join over 500,000 users taking control of their bills today!

๐Ÿ’ฐ Finance
(23K)
15
FinCliq
FinCliq
FinCliq
Buy Now, Pay Later Smarter
Free

This platform offers interest-free installment plans, allowing consumers to make smarter purchases without debt traps, and rewards on-time payments with Wealth Credits to help build long-term financial goals. By providing personalized payment plans and exclusive deals, it enables users to spread out payments while saving money, and track all plans in a simple dashboard.

๐Ÿ›๏ธ Shopping
(4)
16
Bip: Simple cardless credit
Bip: Simple cardless credit
Bip: Simple cardless credit
Spend, save & control money
Free

Get cardless credit for easy spending and saving with this simple app! No cards, no hassle - just convenience at your fingertips. Try it today for a smarter way to manage your finances.

๐Ÿ’ฐ Finance
(7)
17
MIS Pay
MIS Pay
MIS Pay
Buy Now and Pay Later (BNPL)
Free

Explore shopping with financial flexibility using our app. Buy now, pay later with no interest or fees. Secure, simple, and convenient payment options available. Leverage your money with installment payments at zero interest rate.

๐Ÿ›๏ธ Shopping
(31)
18
Newpay
Newpay
Newpay
Buying big? Spread the cost.
Free

Manage your account on-the-go with this secure mobile app, allowing you to view balances, track transactions, make payments, and set up Direct Debit. Download now to easily manage your account and spread the cost of big purchases with a simple and convenient solution.

๐Ÿ’ฐ Finance
(0)
19
Halan: Lending, BNPL, Payments
Halan: Lending, BNPL, Payments
Halan: Lending, BNPL, Payments
Get a loan, pay bills and more
Free

An all-in-one financial services app offering BNPL, lending, payments, and online shopping solutions. Easily access funding for small businesses, purchase on installment, pay bills, and send/receive money. Download now and enjoy a seamless financial experience with Halan!

๐Ÿ’ฐ Finance
(2.3K)
20
Slideit - Shop Now Pay Later
Slideit - Shop Now Pay Later
Slideit - Shop Now Pay Later
Make your Spending Habit Smart
Free
๐Ÿ’ฐ Finance
(2)

Related searches