Best Buy Now Apps

248+ iOS apps curated and reviewed

4.8 avg rating
20 free apps
Updated October 2026

If you already know Four | Buy Now, Pay Later, this is the deeper bench. 248+ buy now apps for iPhone, all reviewed and ranked by user rating, recency, and download trend as of October 2026.

Compare top Buy Now Apps (October 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Four | Buy Now, Pay LaterFour | Buy Now, Pay LaterFree4.8★ (121K)NoNoOct 2026
2Acima: Lease Now & Buy LaterAcima: Lease Now & Buy LaterFree4.8★ (27K)NoNoOct 2026
3Affirm: Buy now, pay over timeAffirm: Buy now, pay over timeFree4.9★ (1.8M)NoNoOct 2026
4Zip - Buy Now, Pay LaterZip - Buy Now, Pay LaterFree4.9★ (872K)NoNoOct 2026
5Afterpay: Pay over timeAfterpay: Pay over timeFree4.9★ (753K)NoNoOct 2026
6Klarna: Smarter everyday moneyKlarna: Smarter everyday moneyFree4.9★ (2.4M)YesNoOct 2026
7Sezzle: Buy Now, Pay LaterSezzle: Buy Now, Pay LaterFree4.9★ (304K)NoNoOct 2026
8Perpay - Shop and Build CreditPerpay - Shop and Build CreditFree4.9★ (22K)NoNoOct 2026

Top Picks for Buy Now

Four | Buy Now, Pay Later#1

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

Flexible Shopping & Payments
Editor's Choice
🛍️ Shopping
4.8😞(121K ratings)
Free
#45in 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
Acima: Lease Now & Buy Later#2

Acima: Lease Now & Buy Later by Acima

Easy Leasing & Payment Options
Strong Contender
🛍️ Shopping
4.8😞(27K ratings)
Free
Acima: Lease Now & Buy Later screenshot 1
Acima: Lease Now & Buy Later screenshot 2
Acima: Lease Now & Buy Later screenshot 3
Acima: Lease Now & Buy Later screenshot 4
Acima: Lease Now & Buy Later screenshot 5
Acima: Lease Now & Buy Later screenshot 6

Lease the items you need without perfect credit. Get approved for up to $4,000 in merchandise like furniture, electronics, and appliances. Shop at thousands of stores or online and make easy payments.

What We Love

  • 🚀 Great service
  • 👍 Customer service representatives
  • 💡 Life saver
  • 👍 Easy access of item even with low credit
  • 👍 Pay off in 3 months
  • 👍 Great lease to own plan
  • 👍 Provides service for medium to low credit

Room to Improve

  • 🐛 Customer service issues
  • 🐛 Confusing fees and charges
  • 🐛 Incorrect balances and payments
  • 🐛 Technical issues with app
  • 🐛 Predatory lending practices
  • 🐛 Lack of transparency
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😞(1.8M ratings)
Free
#18in 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 Buy Now apps to explore

FAQ about Buy Now

What are the best buy now apps for iPhone?
Four | Buy Now, Pay Later tops our buy now apps ranking as of October 2026, with a 4.8-star average from 121K App Store ratings, and it's free to download.
Yes — 20 of the top buy now apps we rank are free to download, including Four | Buy Now, Pay Later and Acima: Lease Now & Buy Later.
Four | Buy Now, Pay Later has no ads and has no in-app purchases, according to its App Store listing as of October 2026.
We track 248+ buy now apps on the iOS App Store as of October 2026, ranked by rating, recency, and analysis of real user reviews.

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