Best Buy Now Pay Later Bills Apps

202+ iOS apps curated and reviewed

4.5 avg rating
20 free apps
Updated June 2026

If you already know Deferit, this is the deeper bench. 202+ buy now pay later bills apps for iPhone, all reviewed and ranked by user rating, recency, and download trend as of June 2026.

Top Picks for Buy Now Pay Later Bills

Deferit: Pay bills in 4#1

Deferit: Pay bills in 4 by deferit Pty Ltd

Save & build credit history
Editor's Choice
๐Ÿ’ฐ Finance
4.8๐Ÿ˜Š(23K ratings)
FreeAds
Deferit: Pay bills in 4 screenshot 1
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Deferit: Pay bills in 4 screenshot 5
Deferit: Pay bills in 4 screenshot 6

Pay and manage your bills effortlessly with our app. Take a photo of your bill, select the amount, and we pay it for you. Save money, build credit history, and join over 500,000 users taking control of their bills today!

What We Love

  • ๐Ÿ’ณ Helpful for paying bills in installments
  • โฑ๏ธ Fast bill payment processing
  • ๐Ÿ“† Ability to change payment due dates
  • ๐Ÿค Friendly and responsive customer service

Room to Improve

  • ๐Ÿ•ฐ๏ธ Delayed bill payments due to high volume
  • ๐Ÿค– Lack of phone/live chat support
  • ๐Ÿ’ฐ Subscription fees and processing fees
Papaya: Securely Pay Any Bill#2

Papaya: Securely Pay Any Bill by SnapPays Mobile, Inc

Fast & Secure Bill Payments
Strong Contender
๐Ÿ’ฐ Finance
4.8๐Ÿ˜ž(117K ratings)
Free
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A secure bill payment app that enables users to quickly and securely pay any bill with ease. Simplify your bill payments today!

What We Love

  • ๐Ÿš€ Easy and fast bill payment
  • ๐Ÿ‘ Convenient for smartphones
  • ๐Ÿ’ก Helpful for forgetful users
  • ๐Ÿš€ Quick and efficient

Room to Improve

  • ๐Ÿ› Payments not processed correctly
  • ๐Ÿ”’ Privacy and security concerns
  • ๐Ÿ” Lack of customer support
Pay with Sublime#3

Pay with Sublime by Sublime Payments Company

Split up and save on bills
Worth Considering
๐Ÿ’ฐ Finance
4.8(77 ratings)
Free
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This personal finance app uses AI to help you save money on subscriptions by negotiating bills on your behalf and alerting you to upcoming due dates. By connecting your subscriptions, you can track and manage them in one place, and lower your bills without having to call customer service.

More Buy Now Pay Later Bills apps to explore

4
Suave: Buy now, pay later.
Suave: Buy now, pay later.
Suave: Buy now, pay later.
Easy shopping.
Free

Shop with ease using Suave: Buy now, pay later. Get prequalified for flexible monthly payments and shop at your favorite stores stress-free. Start shopping smarter today!

๐Ÿ›๏ธ Shopping
(664)
5
Klarna: Smarter everyday money
Klarna: Smarter everyday money
Klarna: Smarter everyday money
Shop anywhere, manage & save
Free

Shop now and pay later with our online shopping app. Enjoy the convenience of deferred payments with easy installment options. Download now for effortless shopping!

๐Ÿ’ฐ Finance
(2.2M)
6
Affirm: Buy now, pay over time
Affirm: Buy now, pay over time
Affirm: Buy now, pay over time
Flexible payments, big savings
Free

Shop stress-free with the Affirm app: pay over time at any store, access exclusive deals with low rates, manage your account and payments, and open a high-yield Money Account. Use the Affirm Card online or in-person, request payment plans, link your bank account, and shop easily with flexible payment options.

๐Ÿ›๏ธ Shopping
(1.7M)
7
Afterpay: Pay over time
Afterpay: Pay over time
Afterpay: Pay over time
Shop Now. Split your payments.
Free

Shop fashion, beauty, and tech with the app that lets you buy now, pay later in four interest-free payments. Browse brands, products, discounts, and gift cards across various categories, manage orders, get price drop alerts, use in stores, and access customer support. Download now and enjoy the benefits of Afterpay!

๐Ÿ›๏ธ Shopping
(384)
8
PayPal - Send, Manage, Pay
PayPal - Send, Manage, Pay
PayPal - Send, Manage, Pay
Savings, cash back, pay later
Free

An all-in-one app for sending money, managing your account, earning cash back, and growing your savings with high-yield options. Easily send money for free, get cash back on purchases, and manage your finances all in one place. Check it out now for a simple and secure way to stay on top of your financial transactions!

๐Ÿ’ฐ Finance
(190K)
9
Sezzle: Buy Now, Pay Later
Sezzle: Buy Now, Pay Later
Sezzle: Buy Now, Pay Later
Shop & Pay in 4ยน
Free

Shop clothing, beauty products, electronics, and more with flexible payment options through our app. Buy now and pay later in easy installments to make shopping convenient and affordable for you. Start shopping today and enjoy the freedom to pay at your own pace.

๐Ÿ›๏ธ Shopping
(288K)
10
Four | Buy Now, Pay Later
Four | Buy Now, Pay Later
Four | Buy Now, Pay Later
Flexible Shopping & Payments
Free

Shop now, pay later at your favorite stores with an app that allows you to split payments into four interest-free installments every 2 weeks. Manage orders, payments, and get notified before due dates. Discover new retailers in the app directory. Happy shopping!

๐Ÿ›๏ธ Shopping
(108K)
11
Odiopay - Buy now pay later
Odiopay - Buy now pay later
Odiopay - Buy now pay later
The most convenient way to pay
Free

Say goodbye to budget constraints and hello to a world of seamless and flexible payments. Download the app to buy now and pay later, with secure and hassle-free transactions, flexible repayment plans, and exclusive offers.

๐ŸŒŸ Lifestyle
(6)
12
PayLater - Split in 4 payments
PayLater - Split in 4 payments
PayLater - Split in 4 payments
The Only Way to Split Pay
Free
๐Ÿ’ฐ Finance
(253)
13
Credit Genie: Get Cash Advance
Credit Genie: Get Cash Advance
Credit Genie: Get Cash Advance
Fast money between paydays
Free

Improve your financial health with breakthrough tools from an app that offers cash advances up to $100, overdraft alerts, spending tracking, and expense management. Take control of your finances today!

๐Ÿ’ฐ Finance
(107K)
14
Tabby: Pay over time
Tabby: Pay over time
Tabby: Pay over time
Pay in 4. No hidden fees
Free

Shop at your favorite brands and split purchases into 4 interest-free payments with Tabby. Track payments, get discounts, and explore thousands of products and brands. Take control of your spending with Tabby's convenient features and 24/7 chat support.

๐Ÿ’ฐ Finance
(82K)
15
Zip - Buy Now, Pay Later
Zip - Buy Now, Pay Later
Zip - Buy Now, Pay Later
Shop & Pay in 4ยน
Free

Shop now and pay later with Zip! Enjoy the convenience of making purchases without upfront payments. Experience hassle-free shopping today.

๐Ÿ›๏ธ Shopping
(823K)
16
Flex - Rent On Your Schedule
Flex - Rent On Your Schedule
Flex - Rent On Your Schedule
Pay rent on your own schedule
Free

An app that helps users pay their rent on a flexible schedule by splitting it into two payments, aiding in timely rent payments, cash flow management, and credit history improvement. Membership fee of $14.99/month plus 1% bill payment fee.

๐Ÿ’ฐ Finance
(404K)
17
Gerald - Cash Advance
Gerald - Cash Advance
Gerald - Cash Advance
Instant Cash Advance App
Free

Get instant cash advances without credit checks or hidden fees, shop for household essentials, pay bills, and more with this convenient app. Earn rewards, play games to earn coins, and experience a new way to shop for everyday needs. Join now and download the app to start saving and shopping smart today!

๐Ÿ’ฐ Finance
(26K)
18
Katapult | Shop & Lease to Own
Katapult | Shop & Lease to Own
Katapult | Shop & Lease to Own
Browse, shop, lease, and own.
Free

Discover a revolutionary shopping companion that uses cutting-edge technology to enhance your shopping experience. Find personalized recommendations, exclusive deals, and seamless checkout options all in one place. Elevate your shopping with Katapult today!

๐Ÿ’ฐ Finance
(27K)
19
ZayZoon - Wages On-Demand
ZayZoon - Wages On-Demand
ZayZoon - Wages On-Demand
Benefit for Eligible Employees
Free

This application provides on-demand access to earned wages, allowing users to choose how much of their wages they'd like to receive instantly. It includes financial wellness tools, instant money transfers, flat fee access, and the option to boost spending power. To use the app, employers must have an agreement with the service. Visit the website to learn more.

๐Ÿ’ฐ Finance
(36K)
20
Perpay - Shop and Build Credit
Perpay - Shop and Build Credit
Perpay - Shop and Build Credit
Shop, pay later, build credit
Free

Shop, pay later, and build credit with an all-in-one shopping app. Buy your favorite brands and pay over time to improve your credit score. Start shopping smart today!

๐Ÿ’ฐ Finance
(8.4K)