Best Buy Now Pay Apps

249+ iOS apps curated and reviewed

4.7 avg rating
20 free apps
Updated September 2026

Whether you're new to buy now pay or looking for an upgrade, our curated collection of 249+ iOS apps has something for everyone. Each app is reviewed and rated by real users, helping you make an informed decision.

Compare top Buy Now Pay Apps (September 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Afterpay: Pay over timeAfterpay: Pay over timeFree4.9★ (753K)NoNoSep 2026
2Zip - Buy Now, Pay LaterZip - Buy Now, Pay LaterFree4.9★ (868K)NoNoSep 2026
3ZOOD: Buy Now, Pay LaterZOOD: Buy Now, Pay LaterFree4.4★ (1.3K)NoNoSep 2026
4Tabby: Send, spend and saveTabby: Send, spend and saveFree4.8★ (85K)NoNoSep 2026
5Suave: Buy now, pay later.Suave: Buy now, pay later.Free4.7★ (795)NoNoSep 2026
6Acima: Lease Now & Buy LaterAcima: Lease Now & Buy LaterFree4.8★ (27K)NoNoSep 2026
7Four | Buy Now, Pay LaterFour | Buy Now, Pay LaterFree4.8★ (120K)NoNoSep 2026
8Tamara | Own your DreamTamara | Own your DreamFree4.7★ (59K)NoNoSep 2026

Top Picks for Buy Now Pay

Afterpay: Pay over time#1

Afterpay: Pay over time by Afterpay

Shop Now. Split your payments.
Editor's Choice
🛍️ Shopping
4.9😐(753K ratings)
Free
#34in 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 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.

What We Love

  • 🚀 Convenient payment plan
  • 💳 No interest or hidden fees
  • 🤝 Good customer service (initially)
  • 📈 Increasing credit limit with usage
  • 🛒 Wide range of participating stores
  • 🕰️ Flexible payment scheduling
  • 💰 Helps with budgeting and affordability

Room to Improve

  • 🐛 App/website technical issues
  • 🔒 Security and privacy concerns
  • 🤖 Lack of human customer support
  • 🔽 Drastic credit limit reductions
  • 🚫 Accounts closed/banned for minor issues
  • 💳 Incompatibility with certain payment methods
  • 🕰️ Automatic payments causing overdraft issues
Zip - Buy Now, Pay Later#2

Zip - Buy Now, Pay Later by Zip Co US, Inc.

Shop Now & Pay Over Time
Strong Contender
💰 Finance
4.9😊(868K ratings)
Free
#55in Finance
Zip - Buy Now, Pay Later screenshot 1
Zip - Buy Now, Pay Later screenshot 2
Zip - Buy Now, Pay Later screenshot 3
Zip - Buy Now, Pay Later screenshot 4
Zip - Buy Now, Pay Later screenshot 5
Zip - Buy Now, Pay Later screenshot 6

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.

What We Love

  • 💳 Convenient payment option
  • 🤑 Affordable payment plans
  • ⏰ Flexible payment schedules
  • 🤝 Helpful customer service
  • 🆙 Increasing credit limits
  • 🏪 Wide range of merchant partners

Room to Improve

  • 🐛 Unreliable app performance
  • 🤔 Unclear refund/return policies
  • 🤷‍♀️ Inconsistent customer support
  • 🔒 Security/account issues
  • 💰 Unexpected fees/charges
ZOOD: Buy Now, Pay Later#3

ZOOD: Buy Now, Pay Later by OrientSwiss SA

Shop in up to 12 installments
Worth Considering
🛍️ Shopping
4.4😐(1.3K ratings)
Free
ZOOD: Buy Now, Pay Later screenshot 1
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ZOOD: Buy Now, Pay Later screenshot 3
ZOOD: Buy Now, Pay Later screenshot 4
ZOOD: Buy Now, Pay Later screenshot 5
ZOOD: Buy Now, Pay Later screenshot 6

Shop now and pay over time with flexible installment plans. Access a vast selection of products from trusted sellers and use a virtual card for seamless online purchases. Stay within your budget while getting what you need.

What We Love

  • 👍 Professional work
  • 👍 Excellent customer service
  • 👍 Easy to use and buy
  • 👍 Great variety of products
  • 👍 Affordable prices

Room to Improve

  • 🐛 Delivery issues
  • 🐛 Unreliable customer support
  • 💰 Exaggerated pricing
  • 🐛 Buggy app and crashes
  • 🐛 Canceled orders without explanation

More Buy Now Pay apps to explore

FAQ about Buy Now Pay

What are the best buy now pay apps for iPhone?
Afterpay: Pay over time tops our buy now pay apps ranking as of September 2026, with a 4.9-star average from 753K App Store ratings, and it's free to download.
Yes — 20 of the top buy now pay apps we rank are free to download, including Afterpay: Pay over time and Zip - Buy Now, Pay Later.
Afterpay: Pay over time has no ads and has no in-app purchases, according to its App Store listing as of September 2026.
We track 249+ buy now pay apps on the iOS App Store as of September 2026, ranked by rating, recency, and analysis of real user reviews.

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