Best Buy Now Pay Later Apps

248+ 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 248+ 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)NoNoOct 2026
2Four | Buy Now, Pay LaterFour | Buy Now, Pay LaterFree4.8★ (120K)NoNoOct 2026
3Suave: Buy now, pay later.Suave: Buy now, pay later.Free4.7★ (795)NoNoSep 2026
4Sezzle: Buy Now, Pay LaterSezzle: Buy Now, Pay LaterFree4.9★ (303K)NoNoOct 2026
5Zip - Buy Now, Pay LaterZip - Buy Now, Pay LaterFree4.9★ (868K)NoNoOct 2026
6Klarna: Smarter everyday moneyKlarna: Smarter everyday moneyFree4.9★ (2.4M)YesNoOct 2026
7Affirm: Buy now, pay over timeAffirm: Buy now, pay over timeFree4.9★ (1.7M)NoNoOct 2026
8Tamara | Own your DreamTamara | Own your DreamFree4.7★ (59K)NoNoOct 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
#33in 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
Four | Buy Now, Pay Later#2

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

Flexible Shopping & Payments
Strong Contender
🛍️ Shopping
4.8😞(120K ratings)
Free
#39in 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
4.7😐(795 ratings)
Free
Suave: Buy now, pay later. screenshot 1
Suave: Buy now, pay later. screenshot 2
Suave: Buy now, pay later. screenshot 3
Suave: Buy now, pay later. screenshot 4
Suave: Buy now, pay later. screenshot 5

Shop for items you need and pay them off over time with flexible monthly payment plans. Get prequalified instantly, then use the app to manage your purchases and payments at your favorite stores.

What We Love

  • 🚀 Fast and easy approval process
  • 👍 User-friendly interface
  • 💳 Flexible buy-now-pay-later payment options
  • 🎯 Quick monthly installment payments
  • ⚡ Smooth and straightforward shopping experience
  • 🤝 Helpful customer support (when responsive)
  • 🛒 Wide merchant partnerships available

Room to Improve

  • 😞 Extremely poor customer service responsiveness
  • 🐛 Verification code delivery failures
  • 💰 Very high interest rates (42%+)
  • 🌍 Limited geographic availability
  • ⚠️ Fraudulent transaction issues
  • 📱 Phone number verification problems
  • 🚫 Account security concerns
  • ❌ No refund resolution process

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 Four | 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 248+ buy now pay later apps on the iOS App Store as of September 2026, ranked by rating, recency, and analysis of real user reviews.