Best Buy Now Pay Later Apps

249+ iOS apps curated and reviewed

4.7 avg rating
20 free apps
Updated September 2026

From beginner-friendly picks to power-user tools, our buy now pay later apps list covers 249+ iPhone apps updated through September 2026. Compare ratings, prices, and screenshots in one place.

Compare top Buy Now Pay Later Apps (September 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Afterpay: Pay over timeAfterpay: Pay over timeFree4.9★ (753K)NoNoSep 2026
2Affirm: Buy now, pay over timeAffirm: Buy now, pay over timeFree4.9★ (1.7M)NoNoSep 2026
3Sezzle: Buy Now, Pay LaterSezzle: Buy Now, Pay LaterFree4.9★ (300K)NoNoSep 2026
4Zip - Buy Now, Pay LaterZip - Buy Now, Pay LaterFree4.9★ (858K)NoNoSep 2026
5Suave: Buy now, pay later.Suave: Buy now, pay later.Free4.7★ (770)NoNoSep 2026
6Four | Buy Now, Pay LaterFour | Buy Now, Pay LaterFree4.8★ (117K)NoNoSep 2026
7Klarna: Smarter everyday moneyKlarna: Smarter everyday moneyFree4.9★ (2.4M)YesNoSep 2026
8Perpay - Shop and Build CreditPerpay - Shop and Build CreditFree4.9★ (16K)NoNoSep 2026

Top Picks for Buy Now Pay Later Apps

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
#35in Shopping
Afterpay: Pay over time screenshot 1
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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
Affirm: Buy now, pay over time#2

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

Flexible payments, big savings
Strong Contender
🛍️ Shopping
4.9😞(1.7M ratings)
Free
#23in Shopping
Affirm: Buy now, pay over time screenshot 1
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Affirm: Buy now, pay over time screenshot 5
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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
Sezzle: Buy Now, Pay Later#3

Sezzle: Buy Now, Pay Later by Sezzle

Pay Over Time & Earn Rewards
Worth Considering
🛍️ Shopping
4.9😞(300K ratings)
Free
#51in Shopping
Sezzle: Buy Now, Pay Later screenshot 1
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Sezzle: Buy Now, Pay Later screenshot 6

This app allows you to buy now and pay later with interest-free installments over six weeks. Easily split purchases into four payments, manage your budget, and discover exclusive deals from thousands of retailers. Enjoy a seamless shopping experience with flexible rescheduling options and instant approval.

What We Love

  • 🚀 Convenient payment option
  • 💳 Flexible payment plans
  • 🏪 Wide range of partner stores
  • 🆙 Increased spending limit with on-time payments
  • 📈 Helps build credit score

Room to Improve

  • 🤖 Poor customer service
  • 🔒 Concerns about security and fraud
  • 🔄 Issues with rescheduling payments
  • 💰 Unexpected fees and charges
  • 🔒 Restricted access to 'premium' stores
  • ⬇️ Decreased spending limits without explanation

More Buy Now Pay Later Apps apps to explore

FAQ about Buy Now Pay Later Apps

What are the best buy now pay later apps for iPhone?
Afterpay: Pay over time tops our buy now pay later 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 later apps we rank are free to download, including Afterpay: Pay over time and Affirm: Buy now, pay over time.
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 later apps on the iOS App Store as of September 2026, ranked by rating, recency, and analysis of real user reviews.
Afterpay is a service that allows you to shop now and pay for your purchases over time. You can split your payments into manageable installments, typically paying in 4 over six weeks or opting for monthly payments on eligible orders.
With the 'Pay in 4' feature, you can split your purchase into four equal installments. The first payment is due at the time of purchase, and the remaining three are generally paid every two weeks over the course of six weeks.