Best Buy Now Pay Later Payment Apps

244+ iOS apps curated and reviewed

4.5 avg rating
20 free apps
Updated August 2026

Whether you're new to buy now pay later payment or looking for an upgrade, our curated collection of 244+ 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 Payment Apps (August 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1PayLater - Split in 4 paymentsPayLater - Split in 4 paymentsFree3.5β˜… (271)NoNoAug 2026
2Zip - Buy Now, Pay LaterZip - Buy Now, Pay LaterFree4.9β˜… (846K)NoNoAug 2026
3Afterpay: Pay over timeAfterpay: Pay over timeFree4.9β˜… (752K)NoNoAug 2026
4Sezzle: Buy Now, Pay LaterSezzle: Buy Now, Pay LaterFree4.9β˜… (297K)NoNoAug 2026
5Four | Buy Now, Pay LaterFour | Buy Now, Pay LaterFree4.8β˜… (112K)NoNoAug 2026
6Tamara | Own your DreamTamara | Own your DreamFree4.7β˜… (59K)NoNoAug 2026
7Affirm: Buy now, pay over timeAffirm: Buy now, pay over timeFree4.9β˜… (1.7M)NoNoAug 2026
8Payva: Buy Now, Pay LaterPayva: Buy Now, Pay LaterFree5.0β˜… (4)NoNoJul 2026

Top Picks for Buy Now Pay Later Payment

PayLater - Split in 4 payments#1

PayLater - Split in 4 payments by Pay Later

The Only Way to Split Pay
Editor's Choice
πŸ’° Finance
3.5😞(271 ratings)
Free
PayLater - Split in 4 payments screenshot 1
PayLater - Split in 4 payments screenshot 2
PayLater - Split in 4 payments screenshot 3
PayLater - Split in 4 payments screenshot 4
PayLater - Split in 4 payments screenshot 5
PayLater - Split in 4 payments screenshot 6

Split your purchases into four easy installments with this buy now, pay later service. Enjoy flexible payment options and secure transactions with no hidden fees. Shop at a wide network of top retailers.

What We Love

  • πŸ‘ Trusted
  • πŸ‘ Great experience

Room to Improve

  • πŸ’‘ No Arabic language support
  • πŸ’‘ Low spending limit
  • πŸ› Debit card not supported
Zip - Buy Now, Pay Later#2

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

Shop Now & Pay Over Time
Strong Contender
πŸ›οΈ Shopping
4.9😊(846K ratings)
Free
#47in 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

  • πŸ’³ Convenient payment option
  • πŸ€‘ Affordable payment plans
  • ⏰ Flexible payment schedules
  • 🀝 Helpful customer service

Room to Improve

  • πŸ› Unreliable app performance
  • πŸ€” Unclear refund/return policies
  • πŸ€·β€β™€οΈ Inconsistent customer support
Afterpay: Pay over time#3

Afterpay: Pay over time by Afterpay

Shop Now. Split your payments.
Worth Considering
πŸ›οΈ Shopping
4.9😐(752K ratings)
Free
#32in 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

  • πŸš€ Convenient payment plan
  • πŸ’³ No interest or hidden fees
  • 🀝 Good customer service (initially)
  • πŸ“ˆ Increasing credit limit with usage

Room to Improve

  • πŸ› App/website technical issues
  • πŸ”’ Security and privacy concerns
  • πŸ€– Lack of human customer support

More Buy Now Pay Later Payment apps to explore

4
Sezzle: Buy Now, Pay Later
Sezzle: Buy Now, Pay Later
Sezzle: Buy Now, Pay Later
Pay Over Time & Earn Rewards
Free

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.

Buy now, pay laterPay in 4 interest-free installmentsNo interest or hidden fees
πŸ›οΈ Shopping
(297K)
free with in-app purchases
5
Four | Buy Now, Pay Later
Four | Buy Now, Pay Later
Four | Buy Now, Pay Later
Flexible Shopping & Payments
Free

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.

Split purchases into 4 paymentsPay every two weeksManage orders in one app
πŸ›οΈ Shopping
(112K)
freemium
6
Tamara | Own your Dream
Tamara | Own your Dream
Tamara | Own your Dream
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
πŸ’° Finance
(59K)
free
7
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
πŸ›οΈ Shopping
(1.7M)
free with in-app purchases
8
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
πŸ’° Finance
(4)
free
9
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
πŸ›οΈ Shopping
(709)
free
10
PayPal - Pay, Send, Save
PayPal - Pay, Send, Save
PayPal - Pay, Send, Save
Debit card, savings, 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
πŸ’° Finance
(6.3M)
free with in-app purchases
11
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
πŸ›οΈ Shopping
(26K)
free
12
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
πŸ’° Finance
(2.3M)
free with in-app purchases
13
BuyWithEase
BuyWithEase
BuyWithEase
Shop Now, Pay Later
Free

This platform allows instant shopping with flexible installment payment options. It also facilitates applications for various services like rent, school fees, and medical bills, offering a secure and convenient e-commerce experience.

Buy Now, Pay Later (BNPL)Flexible installment plansFast approval process
πŸ›οΈ Shopping
(1)
free
14
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
πŸ’° Finance
(84K)
free
15
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
πŸ›οΈ Shopping
(1.3K)
free
16
PayUp Payments
PayUp Payments
PayUp Payments
Offer Buy Now Pay Later Today
Free

This app enables merchants to offer a buy now, pay later option at checkout without needing POS integration. Shoppers can split purchases into three interest-free installments and receive their goods immediately.

Offer Buy Now Pay Later at checkoutNo POS integration requiredSplit payments into 3 interest-free installments
πŸ’Ό Business
(15)
free
17
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
πŸ’° Finance
(16K)
free with in-app purchases
18
DailyPay On-Demand Pay
DailyPay On-Demand Pay
DailyPay On-Demand Pay
Your money, when you need it!
Free

Access your earned wages instantly, monitor your credit score, and build savings with automated tools. This app also offers curated deals and cash back on everyday purchases, all while providing 24/7 customer support.

Instant access to earned payReal-time earnings trackingFree credit score monitoring
πŸ’° Finance
(478K)
free with in-app purchases
19
mylo: Buy Now Pay Later
mylo: Buy Now Pay Later
mylo: Buy Now Pay Later
by B.TECH for Trade and Distribution
Free

Manage your cash flow, pay for purchases later with flexible, Sharia-compliant payment plans. Access financial well-being with transparent terms and generous credit limits.

Flexible payment plansSharia-compliant financeZero hidden fees
πŸ’° Finance
(43)
free
20
CirclePay - Buy Now Pay Later
CirclePay - Buy Now Pay Later
CirclePay - Buy Now Pay Later
by Circle Explorer PVT LTD
Free

This app allows users to shop at partner merchants and split purchases into interest-free monthly installments. Manage payments, track spending, and discover new places to shop, all within a secure platform.

Interest-free installmentsQR code paymentsLink bank accounts/cards
πŸ’° Finance
(2)
free

FAQ about Buy Now Pay Later Payment

What are the best buy now pay later payment apps for iPhone?
PayLater - Split in 4 payments tops our buy now pay later payment apps ranking as of August 2026, with a 3.5-star average from 271 App Store ratings, and it's free to download.
Yes β€” 20 of the top buy now pay later payment apps we rank are free to download, including PayLater - Split in 4 payments and Zip - Buy Now, Pay Later.
PayLater - Split in 4 payments has no ads and has no in-app purchases, according to its App Store listing as of August 2026.
We track 244+ buy now pay later payment apps on the iOS App Store as of August 2026, ranked by rating, recency, and analysis of real user reviews.
PayLater is a buy now, pay later service that allows you to split your purchases into four equal, flexible installments. It offers a smarter way to shop by providing transparent payment options with no hidden fees.
You can use PayLater to shop at participating retailers and split your payment into four equal installments. The onboarding process is fast and easy, requiring simple KYC and approval. Transactions are secure and processed locally.