Best Buy Now Pay Later Split Apps

246+ iOS apps curated and reviewed

4.7 avg rating
20 free apps
Updated August 2026

If you already know PayLater, this is the deeper bench. 246+ buy now pay later split apps for iPhone, all reviewed and ranked by user rating, recency, and download trend as of August 2026.

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

#AppPriceRatingAdsIn-App PurchasesUpdated
1PayLater - Split in 4 paymentsPayLater - Split in 4 paymentsFree3.5★ (271)NoNoAug 2026
2Zip - Buy Now, Pay LaterZip - Buy Now, Pay LaterFree4.9★ (853K)NoNoAug 2026
3Sezzle: Buy Now, Pay LaterSezzle: Buy Now, Pay LaterFree4.9★ (298K)NoNoAug 2026
4Four | Buy Now, Pay LaterFour | Buy Now, Pay LaterFree4.8★ (112K)NoNoAug 2026
5Afterpay: Pay over timeAfterpay: Pay over timeFree4.9★ (752K)NoNoAug 2026
6Affirm: Buy now, pay over timeAffirm: Buy now, pay over timeFree4.9★ (1.7M)NoNoAug 2026
7Split Pay: Split Bills in TwoSplit Pay: Split Bills in TwoFree4.9★ (16K)NoNoAug 2026
8Payva: Buy Now, Pay LaterPayva: Buy Now, Pay LaterFree5.0★ (4)NoNoJul 2026

Top Picks for Buy Now Pay Later Split

PayLater - Split in 4 payments#1

PayLater - Split in 4 payments by Pay Later

The Only Way to Split Pay
Editor's Choice
💰 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

  • 👍 Trusted
  • 👍 Great experience

Room to Improve

  • 💡 No Arabic language support
  • 💡 Low spending limit
  • 🐛 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
🛍️ Shopping
4.9😊(853K 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

  • 💳 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
Sezzle: Buy Now, Pay Later#3

Sezzle: Buy Now, Pay Later by Sezzle

Pay Over Time & Earn Rewards
Worth Considering
🛍️ Shopping
4.9😞(298K ratings)
Free
#44in Shopping
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
Sezzle: Buy Now, Pay Later screenshot 6

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

More Buy Now Pay Later Split apps to explore

4
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
5
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
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
Split Pay: Split Bills in Two
Split Pay: Split Bills in Two
Split Pay: Split Bills in Two
Rent, Mortgage & Car Payments
Free

This app allows renters to divide their monthly rent into two smaller, more manageable payments. It helps with budgeting and can also be used to build credit history by reporting on-time payments.

Split rent into two paymentsBuild credit historyImprove budgeting
💰 Finance
(16K)
free
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
💰 Finance
(4)
free
9
Deferit: Pay bills in 4
Deferit: Pay bills in 4
Deferit: Pay bills in 4
Buy now pay later for bills
Free

Manage your bills and budget with flexibility. This app allows you to pay almost any service bill in four smaller installments with no interest. It also helps you save money by negotiating better deals with providers and builds your credit history by reporting on-time payments.

Pay bills in 4 installmentsNegotiate lower bill ratesBuild credit history
💰 Finance
(32K)
free with in-app purchases
10
Split – Pay Together
Split – Pay Together
Split – Pay Together
Split bills with friends
Free

Easily divide expenses with friends and track shared costs. This app simplifies group payments for everything from rent to vacations, allowing guests to pay via various methods even without the app. It automates reminders and provides transparent totals for stress-free financial management.

Split bills with friendsTrack shared expensesCollect payments instantly
💰 Finance
(488)
free
11
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
12
Taly | Split your payments
Taly | Split your payments
Taly | Split your payments
No interest, No Fees
Free

This app offers a Buy Now, Pay Later service, allowing users to split purchases into interest-free installments. It provides a secure platform for tracking payments and shopping with various brands.

Split payments up to 4 installmentsNo interest or extra feesShop with top brands
💰 Finance
(17)
free
13
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
(26K)
free
14
Splitit Go
Splitit Go
Splitit Go
Real-Time Installment Control
Free

Manage installment payments with a mobile-first point-of-sale experience. This app offers speed, clarity, and control for merchants, simplifying complex installment management into an intuitive workflow for in-store or on-the-go use.

Real-time installment controlMobile-first point-of-saleIntuitive workflow
💰 Finance
(1)
free
15
Livble - Split your rent
Livble - Split your rent
Livble - Split your rent
Pay rent on your own schedule
Free

This app allows users to pay their rent in flexible installments throughout the month. It offers a convenient way to manage rent payments on your own schedule.

Pay rent in installmentsFlexible payment schedulesManage rent payments
💰 Finance
(2.5K)
free
16
Pay with Sublime
Pay with Sublime
Pay with Sublime
Split up and save on bills
Free

This app helps you lower your bills by splitting payments and earning cash back. It automatically finds savings, negotiates on your behalf, and tracks your subscriptions. Take control of your finances and reduce expenses without direct customer service calls.

Split bills into smaller paymentsEarn 5% cash back on timely paymentsAutomatic bill negotiation
💰 Finance
(157)
free
17
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
18
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
(760)
free
19
PayPal - Pay, Send, Save
PayPal - Pay, Send, Save
PayPal - Pay, Send, Save
Debit card, rewards, 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
20
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
(16K)
free with in-app purchases

FAQ about Buy Now Pay Later Split

What are the best buy now pay later split apps for iPhone?
PayLater - Split in 4 payments tops our buy now pay later split apps ranking as of August 2026, with a 3.5-star average from 271 App Store ratings, and it's free to download.
Yes — 20 of the top buy now pay later split 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 246+ buy now pay later split 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.