Best Installment Pay Apps

250+ iOS apps curated and reviewed

4.7 avg rating
20 free apps
Updated August 2026

Out of 250+ installment pay apps on iOS, 20 are free and the rest sit in the paid tier. This page sorts them so you can compare both sides before you commit.

Compare top Installment Pay Apps (August 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Tamara | Own your DreamTamara | Own your DreamFree4.7★ (59K)NoNoAug 2026
2Afterpay: Pay over timeAfterpay: Pay over timeFree4.9★ (752K)NoNoAug 2026
3Perpay - Shop and Build CreditPerpay - Shop and Build CreditFree4.9★ (11K)YesNoAug 2026
4PayLater - Split in 4 paymentsPayLater - Split in 4 paymentsFree3.5★ (271)NoNoAug 2026
5Sezzle: Buy Now, Pay LaterSezzle: Buy Now, Pay LaterFree4.9★ (297K)NoNoAug 2026
6Zip - Buy Now, Pay LaterZip - Buy Now, Pay LaterFree4.9★ (846K)NoNoAug 2026
7Four | Buy Now, Pay LaterFour | Buy Now, Pay LaterFree4.8★ (112K)NoNoAug 2026
8Tabby: Send, spend and saveTabby: Send, spend and saveFree4.8★ (84K)NoNoAug 2026

Top Picks for Installment Pay

Tamara | Own your Dream#1

Tamara | Own your Dream by Tamara FZE

Pay in up to 24, No late fees
Editor's Choice
💰 Finance
4.7😞(59K ratings)
Free
Tamara | Own your Dream screenshot 1
Tamara | Own your Dream screenshot 2
Tamara | Own your Dream screenshot 3
Tamara | Own your Dream screenshot 4

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.

What We Love

  • 👍 Easy to use
  • 💡 Helpful payment splitting
  • 🚀 Smooth and fast transactions
  • 🙏 Excellent customer service

Room to Improve

  • 🐛 Unreliable payment processing
  • 🤬 Terrible customer support
  • ❌ Unauthorized charges
Afterpay: Pay over time#2

Afterpay: Pay over time by Afterpay

Shop Now. Split your payments.
Strong Contender
🛍️ Shopping
4.9😐(752K ratings)
Free
#29in 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
Perpay - Shop and Build Credit#3

Perpay - Shop and Build Credit by Perpay, Inc.

Shop, pay later, build credit
Worth Considering
💰 Finance
4.9😐(11K ratings)
FreeAds
Perpay - Shop and Build Credit screenshot 1
Perpay - Shop and Build Credit screenshot 2
Perpay - Shop and Build Credit screenshot 3
Perpay - Shop and Build Credit screenshot 4
Perpay - Shop and Build Credit screenshot 5
Perpay - Shop and Build Credit screenshot 6

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.

What We Love

  • 💳 Easy payment setup
  • 🚀 Fast delivery
  • 🔍 Wide product selection
  • 💳 Builds credit

Room to Improve

  • 💰 Overpriced items
  • 🕰️ Slow shipping and approval process
  • 🤖 Poor app performance and glitches

More Installment Pay apps to explore

4
PayLater - Split in 4 payments
PayLater - Split in 4 payments
PayLater - Split in 4 payments
The Only Way to Split Pay
Free

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.

Split payments into 4 installmentsFast and easy onboardingSecure PCI DSS-compliant transactions
💰 Finance
(271)
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
(297K)
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
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
8
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
9
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
10
Katapult | Shop & Lease to Own
Katapult | Shop & Lease to Own
Katapult | Shop & Lease to Own
Browse, shop, lease, and own.
Free

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.

Lease-to-own purchasesNo credit requiredFlexible payment options
💰 Finance
(28K)
free with in-app purchases
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
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
13
Credit Sesame: Grow Your Score
Credit Sesame: Grow Your Score
Credit Sesame: Grow Your Score
Manage, Track & Build Credit
Free

This app helps you manage and improve your credit score and overall financial health. It provides tools to track your credit, understand its impact, and find personalized offers for financial products. It aims to empower users to make smarter financial decisions and achieve their credit goals.

Free credit score checksCredit report summariesFree credit alerts
💰 Finance
(436K)
freemium
14
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
(31K)
free with in-app purchases
15
ZayZoon - Wages On-Demand
ZayZoon - Wages On-Demand
ZayZoon - Wages On-Demand
Benefit for Eligible Employees
Free

Access your earned wages instantly, any day of the week, to avoid late fees and payday loans. This app offers financial wellness tools like overdraft prediction and educational resources. It also provides options for increased spending power on gift cards for essentials.

Instant wage accessAvoid payday loansOverdraft prediction
💰 Finance
(40K)
free with in-app purchases
16
Mintpay | Pay Better.
Mintpay | Pay Better.
Mintpay | Pay Better.
Unlimited Cashback I Pay in 3
Free

Shop smarter and earn rewards with this payment app. Choose to pay now for instant cashback in loyalty coins or pay later in three interest-free installments. Redeem your earned coins across a wide network of partner brands.

Pay Now with instant cashbackPay Later in 3 interest-free installmentsEarn and redeem Mint Coins
🛍️ Shopping
(132)
free
17
rapid! Pay
rapid! Pay
rapid! Pay
rapid! Access PayCard OnDemand
Free

Access your PayCard and on-demand earnings instantly. Manage your accounts, transfer funds, deposit checks remotely, and pay bills. Earn cash back rewards and find nearby ATMs.

Activate/replace PayCardView balances and transaction historyTransfer funds between accounts
💰 Finance
(188K)
free
18
CBC Pay Your Bill
CBC Pay Your Bill
CBC Pay Your Bill
Self-Payment for CBC Customers
Free
💰 Finance
(0)
19
FinanceMutual™ - Easy Pay
FinanceMutual™ - Easy Pay
FinanceMutual™ - Easy Pay
Manage Payments with Ease
Free
💰 Finance
(0)
20
AZ Pay
AZ Pay
AZ Pay
by AZ TECH INTERNATIONAL GENERAL TRADING LLC
Free
💰 Finance
(0)

FAQ about Installment Pay

What are the best installment pay apps for iPhone?
Tamara | Own your Dream tops our installment pay apps ranking as of August 2026, with a 4.7-star average from 59K App Store ratings, and it's free to download.
Yes — 20 of the top installment pay apps we rank are free to download, including Tamara | Own your Dream and Afterpay: Pay over time.
Tamara | Own your Dream has no ads and has no in-app purchases, according to its App Store listing as of August 2026.
We track 250+ installment pay apps on the iOS App Store as of August 2026, ranked by rating, recency, and analysis of real user reviews.
Tamara is a financial super-app that provides users with flexible payment options for their purchases. It allows you to shop now and pay later, either by splitting your payment into installments or paying in full. The app aims to give users more control over their finances and their shopping experience.
You can choose to pay for your purchases in installments, with options to split payments into 4 or more. This feature is available at thousands of partner stores, both online and in-store. The app emphasizes no late fees, ever, making it a predictable way to manage your spending.