Best Four | Buy Now, Pay Later Apps

Split purchases into 4 paymentsMonthly payment options availableDiscover exclusive deals and brands

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.

(753K)

Affirm: Buy now, pay over time

Flexible payments, big savings

Pay over time online and in-storeFlexible payment optionsDiscover 0% APR deals

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.

(1.7M)

Pay in up to 24, No late fees

Tamara | Own your Dream

Pay in installments or in fullSign up in minutesShop at thousands of partners

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.

(59K)

Klarna: Smarter everyday money

Cashback, payments, savings

Flexible payment optionsInterest-free installmentsUp to 10% cashback

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.

(2.4M)

Perpay - Shop and Build Credit

Shop, pay later, build credit

Access up to $1,000 to spendShop top brands on marketplacePay over time with no interest/fees

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.

(16K)

PayLater: Split Your Payments

Relax, PayLater

Split payments into 4 installmentsFast and easy onboardingSecure PCI DSS-compliant transactions

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.

(292)

Katapult | Shop & Lease to Own

Browse, shop, lease, and own.

Lease-to-own purchasesNo credit requiredFlexible payment options

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.

(28K)

CirclePay - Buy Now Pay Later

by Circle Explorer PVT LTD

Interest-free installmentsQR code paymentsLink bank accounts/cards

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.

(2)

Tabby: Send, spend and save

Take power over money

Split purchases into 4 monthly paymentsShop from top brands online and in-storeCompare prices and track deals

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.

(84K)

Buy now pay later for bills

Deferit: Pay bills in 4

Pay bills in 4 installmentsNegotiate lower bill ratesBuild credit history

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.

(32K)

No credit? Shop now, pay later

Snap Finance

Apply for financing up to $5,000No credit check requiredShop for furniture, electronics, and more

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.

Money. Debit Card. Bitcoin.

Send & receive money/bitcoin instantlyRound up spare change to saveInvest in stocks, ETFs, and bitcoin

Easily send and receive money or bitcoin instantly. Save by rounding up change, invest in stocks or bitcoin, and get paid up to two days early with direct deposit. Features a customizable debit card with exclusive discounts.

(8.7M)

Acima: Lease Now & Buy Later

Easy Leasing & Payment Options

Lease without perfect creditApproved for up to $4,000Shop at thousands of stores

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.

(26K)

Dave: Credit, Cash & Money App

Get Paid Early, No Hidden Fees

Up to $500 cash advanceNo credit check or interest on advancesGet paid up to 2 days early

Access up to $500 in minutes without a credit check or interest. Get paid up to two days early, avoid pesky fees, and save effortlessly with dedicated savings accounts. This app offers financial management tools to help you reach your goals.

Shop: Track, Pay, Discover

(888K)

freemium

Shopping app & package tracker

Shop favorite brands and local storesPrice drop and restock alertsSave and organize items into collections

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.

Bank. Borrow. Build Credit.

(7.1M)

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OnePay – Mobile Banking

Early pay and rewardsHigh-yield savings accountsCash back credit card

Manage your finances with a mobile banking solution offering early pay, rewards, and high-yield savings. Access a cash rewards credit card, affordable wireless plans, and a credit builder loan. Buy now, pay later options are also available.

(424K)

Progressive Leasing

by Prog Leasing, LLC

Apply from home or on the goLease-to-own purchase optionInstant decision for applications

Apply for a lease-to-own purchase from your phone to get the items you need now and pay over time. This app connects you with over 30,000 retail locations nationwide, making it easy to find and acquire your next upgrade, even with less-than-perfect credit.

(34K)