Best Buy Now Pay Later Shopping Apps

249+ iOS apps curated and reviewed

4.6 avg rating
20 free apps
Updated August 2026

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

Compare top Buy Now Pay Later Shopping Apps (August 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Afterpay: Pay over timeAfterpay: Pay over timeFree4.9★ (752K)NoNoAug 2026
2Katapult | Shop & Lease to OwnKatapult | Shop & Lease to OwnFree4.8★ (28K)NoNoAug 2026
3Klover - Instant Cash AdvanceKlover - Instant Cash AdvanceFree4.8★ (364K)YesNoAug 2026
4Suave: Buy now, pay later.Suave: Buy now, pay later.Free4.7★ (709)NoNoAug 2026
5Sezzle: Buy Now, Pay LaterSezzle: Buy Now, Pay LaterFree4.9★ (296K)NoNoAug 2026
6Zip - Buy Now, Pay LaterZip - Buy Now, Pay LaterFree4.9★ (846K)NoNoAug 2026
7Tamara | Own your DreamTamara | Own your DreamFree4.7★ (59K)NoNoAug 2026
8Shop: All your favorite brandsShop: All your favorite brandsFree4.8★ (7.1M)NoNoAug 2026

Top Picks for Buy Now Pay Later Shopping

Afterpay: Pay over time#1

Afterpay: Pay over time by Afterpay

Shop Now. Split your payments.
Editor's Choice
🛍️ 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

  • 🚀 Convenient payment plan
  • 💳 No interest or hidden fees
  • 🤝 Good customer service (initially)
  • 📈 Increasing credit limit with usage

Room to Improve

  • 🐛 App/website technical issues
  • 🔒 Security and privacy concerns
  • 🤖 Lack of human customer support
Katapult | Shop & Lease to Own#2

Katapult | Shop & Lease to Own by Katapult

Browse, shop, lease, and own.
Strong Contender
💰 Finance
4.8😐(28K ratings)
Free
Katapult | Shop & Lease to Own screenshot 1
Katapult | Shop & Lease to Own screenshot 2
Katapult | Shop & Lease to Own screenshot 3
Katapult | Shop & Lease to Own screenshot 4
Katapult | Shop & Lease to Own screenshot 5

Shop now and pay over time with a lease-to-own option that doesn't require credit. Browse over 100 retailers, manage your leases, and make payments easily through the app. Take home essential items without paying upfront.

What We Love

  • 🚀 Easy financing
  • 💡 90-day early buyout option
  • 👍 Friendly customer service
  • 🚀 Quick approval process

Room to Improve

  • 🐛 App issues and glitches
  • 🔒 Security and privacy concerns
  • 💰 High interest rates after 90 days
Klover - Instant Cash Advance#3

Klover - Instant Cash Advance by Klover Holdings, Inc.

Up to $750 Before Payday
Worth Considering
💰 Finance
4.8😐(364K ratings)
FreeAds
#45in Finance
Klover - Instant Cash Advance screenshot 1
Klover - Instant Cash Advance screenshot 2
Klover - Instant Cash Advance screenshot 3
Klover - Instant Cash Advance screenshot 4
Klover - Instant Cash Advance screenshot 5
Klover - Instant Cash Advance screenshot 6

Access cash advances up to $750 before your next payday without credit checks, late fees, or interest. Earn points for surveys and ads to increase your advance amount. Utilize budgeting tools and track your credit score.

What We Love

  • 🚀 Quick and easy setup
  • 💰 Helpful for financial emergencies
  • 👍 Transparent and fair model
  • 🤝 Reliable and efficient

Room to Improve

  • 🔍 Confusing point system
  • ⏱️ Slow customer support response times
  • 🤔 Inconsistent advance amounts

More Buy Now Pay Later Shopping apps to explore

4
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
(709)
free
5
Sezzle: Buy Now, Pay Later
Sezzle: Buy Now, Pay Later
Sezzle: Buy Now, Pay Later
Pay in 4 & 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
🛍️ Shopping
(296K)
free with in-app purchases
6
Zip - Buy Now, Pay Later
Zip - Buy Now, Pay Later
Zip - Buy Now, Pay Later
Shop Now & Pay Over Time
Free

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.

Split payments into 4 or 8 installmentsBi-weekly payment scheduleVirtual and physical payment cards
🛍️ Shopping
(846K)
free with in-app purchases
7
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
💰 Finance
(59K)
free
8
Shop: All your favorite brands
Shop: All your favorite brands
Shop: All your favorite brands
Shopping app & package tracker
Free

Discover and shop from your favorite brands and local stores, receiving alerts for deals and new arrivals. Organize wishlists, track all your orders in one place, and enjoy a seamless one-tap checkout experience.

Shop favorite brands and local storesPrice drop and restock alertsSave and organize items into collections
🛍️ Shopping
(7.1M)
ad-supported
9
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
(84K)
free
10
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
11
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
🛍️ Shopping
(112K)
freemium
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
💰 Finance
(2.3M)
free with in-app purchases
13
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
14
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
🛍️ Shopping
(1)
free
15
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
16
CirclePay - Buy Now Pay Later
CirclePay - Buy Now Pay Later
CirclePay - Buy Now Pay Later
by Circle Explorer PVT LTD
Free
💰 Finance
(0)
17
Slideit - Shop Now Pay Later
Slideit - Shop Now Pay Later
Slideit - Shop Now Pay Later
Make your Spending Habit Smart
Free

Shop instantly and pay over time with interest-free installments. This app offers a flexible way to manage your spending on fashion, electronics, groceries, and travel essentials.

Shop instantlyPay in installmentsInterest-free payments
💰 Finance
(2)
free
18
Alif Shop: Buy now, pay later
Alif Shop: Buy now, pay later
Alif Shop: Buy now, pay later
Pay over time easily
Free

Shop a wide range of products from top brands and pay over time with easy installments. Enjoy 0% markup on fashion and lifestyle items, and purchase mobile phones with flexible payment plans. Track all your purchases and payments conveniently within the app.

Shop from top brandsPay in installments0% markup on fashion & lifestyle
💰 Finance
(6)
ad-supported
19
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
20
deema | Live Now, Pay Later
deema | Live Now, Pay Later
deema | Live Now, Pay Later
by deema Pay Later, Live Now
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
(41)
free

FAQ about Buy Now Pay Later Shopping

What are the best buy now pay later shopping apps for iPhone?
Afterpay: Pay over time tops our buy now pay later shopping apps ranking as of August 2026, with a 4.9-star average from 752K App Store ratings, and it's free to download.
Yes — 20 of the top buy now pay later shopping apps we rank are free to download, including Afterpay: Pay over time and Katapult | Shop & Lease to Own.
Afterpay: Pay over time has no ads and has no in-app purchases, according to its App Store listing as of August 2026.
We track 249+ buy now pay later shopping apps on the iOS App Store as of August 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.