Best Buy Now Pay Later Business Apps

213+ iOS apps curated and reviewed

4.6 avg rating
20 free apps
Updated July 2026

Whether you're new to buy now pay later business or looking for an upgrade, our curated collection of 213+ 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 Later Business Apps (July 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Sezzle: Buy Now, Pay LaterSezzle: Buy Now, Pay LaterFree4.9★ (292K)YesNoJul 2026
2Zip - Buy Now, Pay LaterZip - Buy Now, Pay LaterFree4.9★ (831K)YesNoJul 2026
3Four | Buy Now, Pay LaterFour | Buy Now, Pay LaterFree4.8★ (109K)NoNoJul 2026
4Tamara | Shop Now Pay LaterTamara | Shop Now Pay LaterFree4.7★ (59K)NoNoJul 2026
5Suave: Buy now, pay later.Suave: Buy now, pay later.Free4.7★ (692)NoNoJul 2026
6Affirm: Buy now, pay over timeAffirm: Buy now, pay over timeFree4.9★ (1.7M)YesNoJul 2026
7ZOOD: Buy Now, Pay LaterZOOD: Buy Now, Pay LaterFree4.4★ (1.3K)NoNoJul 2026
8Afterpay: Pay over timeAfterpay: Pay over timeFree4.9★ (752K)YesNoJul 2026

Top Picks for Buy Now Pay Later Business

Sezzle: Buy Now, Pay Later#1

Sezzle: Buy Now, Pay Later by Sezzle Inc.

Shop & Pay in 4¹
Editor's Choice
🛍️ Shopping
4.9😞(292K ratings)
FreeAds
Sezzle: Buy Now, Pay Later screenshot 1
Sezzle: Buy Now, Pay Later screenshot 2
Sezzle: Buy Now, Pay Later screenshot 3
Sezzle: Buy Now, Pay Later screenshot 4
Sezzle: Buy Now, Pay Later screenshot 5

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

Room to Improve

  • 🤖 Poor customer service
  • 🔒 Concerns about security and fraud
  • 🔄 Issues with rescheduling payments
Zip - Buy Now, Pay Later#2

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

Shop & Pay in 4¹
Strong Contender
🛍️ Shopping
4.9😊(831K ratings)
FreeAds
#62in Shopping
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

Room to Improve

  • 🐛 Unreliable app performance
  • 🤔 Unclear refund/return policies
  • 🤷‍♀️ Inconsistent customer support
Four | Buy Now, Pay Later#3

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

Flexible Shopping & Payments
Worth Considering
🛍️ Shopping
4.8😞(109K ratings)
Free
#72in 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

Room to Improve

  • 🤖 Poor customer service
  • ❌ Declined/canceled orders
  • 💰 Unauthorized charges

More Buy Now Pay Later Business apps to explore

4
Tamara | Shop Now Pay Later
Tamara | Shop Now Pay Later
Tamara | Shop Now Pay Later
Pay in up to 24, No late fees
Free

This financial super-app offers flexible payment options, allowing you to shop now and pay later in installments or in full. Enjoy exclusive deals, cashback rewards, and buyer protection for a secure and seamless shopping experience.

Pay in installments or in fullSign up in minutesShop at thousands of partners
💰 Finance
(59K)
free
5
Suave: Buy now, pay later.
Suave: Buy now, pay later.
Suave: Buy now, pay later.
Easy shopping.
Free

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.

Pay in 4, 6, or 12 monthly installmentsInstant prequalificationShop at favorite stores
🛍️ Shopping
(692)
free
6
Affirm: Buy now, pay over time
Affirm: Buy now, pay over time
Affirm: Buy now, pay over time
Flexible payments, big savings
Free

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.

Pay over time online and in-storeFlexible payment optionsDiscover 0% APR deals
🛍️ Shopping
(1.7M)
free with in-app purchases
7
ZOOD: Buy Now, Pay Later
ZOOD: Buy Now, Pay Later
ZOOD: Buy Now, Pay Later
Shop in up to 12 installments
Free

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.

Buy now, pay laterUp to 12 installmentsFlexible payment plans
🛍️ Shopping
(1.3K)
free
8
Afterpay: Pay over time
Afterpay: Pay over time
Afterpay: Pay over time
Shop Now. Split your payments.
Free

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.

Split purchases into 4 paymentsMonthly payment options availableDiscover exclusive deals and brands
🛍️ Shopping
(752K)
free with in-app purchases
9
Perpay - Shop and Build Credit
Perpay - Shop and Build Credit
Perpay - Shop and Build Credit
Shop, pay later, build credit
Free

Access up to $1,000 to shop for various goods and pay over time with no interest or fees. Build your credit history by reporting your payment activity to credit bureaus. Apply for a credit card with rewards and no annual fee.

Access up to $1,000 to spendShop top brands on marketplacePay over time with no interest/fees
💰 Finance
(11K)
free with in-app purchases
10
Acima: Lease Now & Buy Later
Acima: Lease Now & Buy Later
Acima: Lease Now & Buy Later
Easy Leasing & Payment Options
Free

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.

Lease without perfect creditApproved for up to $4,000Shop at thousands of stores
🛍️ Shopping
(25K)
free
11
CirclePay - Buy Now Pay Later
CirclePay - Buy Now Pay Later
CirclePay - Buy Now Pay Later
by Circle Explorer PVT LTD
Free
💰 Finance
(0)
12
Payva: Buy Now, Pay Later
Payva: Buy Now, Pay Later
Payva: Buy Now, Pay Later
by Abundant Servicing
Free

Easily manage your existing payment plans in one secure location. Track your payment history, update payment methods, and make payments anytime with real-time updates.

Manage active payment plansMake one-time paymentsUpdate payment methods
💰 Finance
(4)
free
13
PayPal - Pay, Send, Save
PayPal - Pay, Send, Save
PayPal - Pay, Send, Save
Savings, cash back, pay later
Free

Manage your finances with a secure app for online and in-store shopping, sending money globally, and earning cash back. It also offers savings accounts, cryptocurrency trading, and package tracking.

Send and receive money globallyEarn cash back offersRequest a debit card
💰 Finance
(6.3M)
free with in-app purchases
14
Odiopay - Buy now pay later
Odiopay - Buy now pay later
Odiopay - Buy now pay later
The most convenient way to pay
Free

This app offers a flexible way to shop now and pay later through manageable installments. It provides secure transactions, customizable repayment plans, and helps users build their credit score. Enjoy exclusive offers and a user-friendly interface for a seamless shopping experience.

Buy Now, Pay Later installmentsSecure and encrypted transactionsFlexible repayment plans
🌟 Lifestyle
(6)
free
15
Tabby: Send, spend and save
Tabby: Send, spend and save
Tabby: Send, spend and save
Take power over money
Free

Shop now and pay later with flexible four-month installments. Discover top brands, compare prices, and find nearby stores. Manage payments, track purchases, and get 24/7 customer support.

Split purchases into 4 monthly paymentsShop from top brands online and in-storeCompare prices and track deals
💰 Finance
(83K)
free
16
deema | Live Now, Pay Later
deema | Live Now, Pay Later
deema | Live Now, Pay Later
by DEEMA COMPANY FOR COMPUTER PROGRAMMING ACTIVITIES WLL
Free

This is Kuwait's first licensed Buy Now, Pay Later service, offering simple installment plans for easier shopping. It requires a valid Kuwaiti Civil ID and mobile number for registration.

Licensed BNPL serviceSimple installment plansShop with ease
💼 Business
(35)
free
17
Payactiv
Payactiv
Payactiv
On-demand pay and beyond
Free

Access your earned wages before payday, pay bills on time, and manage unexpected expenses with user-friendly digital tools. This app helps you achieve financial stability and reach your financial wellness goals without predatory loans or interest.

Early access to wagesGovernment payment early accessSpending and saving tools
💰 Finance
(78K)
free
18
Snap Finance
Snap Finance
Snap Finance
No credit? Shop now, pay later
Free

Apply for lease-to-own financing up to $5,000 with no credit check required. Shop for furniture, electronics, and more, and pay later. Manage your lease, payments, and view transactions securely.

Apply for financing up to $5,000No credit check requiredShop for furniture, electronics, and more
🛍️ Shopping
(22K)
free
19
FloatMe: Fast Cash Advance App
FloatMe: Fast Cash Advance App
FloatMe: Fast Cash Advance App
Borrow Money Between Paychecks
Free

Access quick cash advances to cover bills and expenses between paychecks. This app offers money management tools, low balance alerts, and a marketplace for earning opportunities. Securely connect your bank account for seamless transactions.

Cash advances up to $50No credit checks or interestCash flow calendar
💰 Finance
(147K)
subscription
20
Klarna: Smarter everyday money
Klarna: Smarter everyday money
Klarna: Smarter everyday money
Cashback, payments, savings
Free

Shop anywhere with flexible payment options, including interest-free installments and pay-in-30-days. Earn cashback, compare prices, track deliveries, and manage returns easily. Also offers mobile phone service.

Flexible payment optionsInterest-free installmentsUp to 10% cashback
💰 Finance
(2.3M)
free with in-app purchases

FAQ about Buy Now Pay Later Business

What are the best buy now pay later business apps for iPhone?
Sezzle: Buy Now, Pay Later tops our buy now pay later business apps ranking as of July 2026, with a 4.9-star average from 292K App Store ratings, and it's free to download.
Yes — 20 of the top buy now pay later business apps we rank are free to download, including Sezzle: Buy Now, Pay Later and Zip - Buy Now, Pay Later.
Sezzle: Buy Now, Pay Later shows ads and has no in-app purchases, according to its App Store listing as of July 2026.
We track 213+ buy now pay later business apps on the iOS App Store as of July 2026, ranked by rating, recency, and analysis of real user reviews.
Sezzle is a buy now, pay later shopping app that allows you to purchase items today and pay for them in four interest-free installments over six weeks. It aims to make shopping more accessible and help users manage their budgets effectively.
With the 'Pay in 4' system, you make a down payment today and then pay the remaining balance in three equal, interest-free installments every two weeks for a total of six weeks. This allows you to spread out the cost of your purchases.