Best Bnpl Apps

164+ iOS apps curated and reviewed

4.7 avg rating
20 free apps
Updated September 2026

Whether you're new to bnpl or looking for an upgrade, our curated collection of 164+ iOS apps has something for everyone. Each app is reviewed and rated by real users, helping you make an informed decision.

Compare top Bnpl Apps (September 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Four | Buy Now, Pay LaterFour | Buy Now, Pay LaterFree4.8★ (117K)NoNoSep 2026
2Tamara | Own your DreamTamara | Own your DreamFree4.7★ (59K)NoNoSep 2026
3Affirm: Buy now, pay over timeAffirm: Buy now, pay over timeFree4.9★ (1.7M)NoNoSep 2026
4Afterpay: Pay over timeAfterpay: Pay over timeFree4.9★ (753K)NoNoSep 2026
5Perpay - Shop and Build CreditPerpay - Shop and Build CreditFree4.9★ (16K)NoNoSep 2026
6Tabby: Send, spend and saveTabby: Send, spend and saveFree4.8★ (85K)NoNoSep 2026
7Sezzle: Buy Now, Pay LaterSezzle: Buy Now, Pay LaterFree4.9★ (301K)NoNoSep 2026
8Klarna: Smarter everyday moneyKlarna: Smarter everyday moneyFree4.9★ (2.4M)YesNoSep 2026

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
🛍️ Shopping
4.8😞(117K ratings)
Free
#58in 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 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.

What We Love

  • 💳 Convenient payment option
  • 🛒 Wide variety of stores
  • 🤑 Affordable payment plans
  • 📈 Increasing spending limits
  • 🤩 Great app experience

Room to Improve

  • 🤖 Poor customer service
  • ❌ Declined/canceled orders
  • 💰 Unauthorized charges
  • 🕰️ Slow refund processing
  • 🔒 Account/login issues
Tamara | Own your Dream#2

Tamara | Own your Dream by Tamara FZE

Pay in up to 24, No late fees
Strong Contender
💰 Finance
4.7😞(59K ratings)
Free
Tamara | Own your Dream screenshot 1
Tamara | Own your Dream screenshot 2
Tamara | Own your Dream screenshot 3
Tamara | Own your Dream screenshot 4

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.

What We Love

  • 👍 Easy to use
  • 💡 Helpful payment splitting
  • 🚀 Smooth and fast transactions
  • 🙏 Excellent customer service

Room to Improve

  • 🐛 Unreliable payment processing
  • 🤬 Terrible customer support
  • ❌ Unauthorized charges
  • ⚠️ Limited availability in certain regions
Affirm: Buy now, pay over time#3

Affirm: Buy now, pay over time by Affirm, Inc.

Flexible payments, big savings
Worth Considering
🛍️ Shopping
4.9😞(1.7M ratings)
Free
#19in Shopping
Affirm: Buy now, pay over time screenshot 1
Affirm: Buy now, pay over time screenshot 2
Affirm: Buy now, pay over time screenshot 3
Affirm: Buy now, pay over time screenshot 4
Affirm: Buy now, pay over time screenshot 5
Affirm: Buy now, pay over time screenshot 6

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.

What We Love

  • 🙏 Helpful in tough times
  • 💳 Convenient financing option
  • 📈 Improved credit score

Room to Improve

  • 🤔 Confusing payment process
  • 🔒 Security and privacy concerns
  • 🔍 Difficulty verifying identity
  • 🚫 Unexpected account closures
  • 💰 High interest rates

More Bnpl apps to explore

FAQ about Bnpl

What are the best bnpl apps for iPhone?
Four | Buy Now, Pay Later tops our bnpl apps ranking as of September 2026, with a 4.8-star average from 117K App Store ratings, and it's free to download.
Yes — 20 of the top bnpl apps we rank are free to download, including Four | Buy Now, Pay Later and Tamara | Own your Dream.
Four | Buy Now, Pay Later has no ads and has no in-app purchases, according to its App Store listing as of September 2026.
We track 164+ bnpl apps on the iOS App Store as of September 2026, ranked by rating, recency, and analysis of real user reviews.
This app allows you to shop at hundreds of online retailers and split your purchases into four equal payments. The payments are scheduled to be paid every two weeks, making it easier to manage your spending and stay on budget while shopping online.
When you choose to pay with Four at a partner retailer, your purchase is split into four payments. The first payment is made at the time of purchase, and the remaining three payments are automatically charged every two weeks. This provides a clear and predictable payment schedule.

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