Best Installment Pay Apps

Zip - Buy Now, Pay Later

Shop Now & Pay Over Time

Free

Split purchases into flexible installments for everyday expenses, bills, and larger buys. Shop online or in-store using a virtual card, with no hard credit checks impacting your score. Manage payments and reschedule installments for greater flexibility.

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 a virtual card for use anywhere Visa is accepted and provides access to deals and 0% APR options.

Sezzle: Buy Now, Pay Later

Pay Over Time & Earn Rewards

Free

Shop now and pay later with flexible, interest-free installment plans. Build credit, earn rewards, and access cash advances and mobile plans all in one app.

AOK Mein Leben

elektronische Patientenakte

Free

Manage your health data securely and conveniently with this electronic health record app. Store medical documents, add personal entries, and share them with healthcare providers. Features include medication lists, appointment tracking, and secure messaging.

Perpay - Shop and Build Credit

Shop, pay later, build credit

Free

Shop for electronics, home goods, and apparel with flexible payment options. Build your credit history by making on-time payments. Apply for a credit card with rewards and no annual fee.

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.

Klarna: Smarter everyday money

Cashback, payments, savings

Free

Shop smarter with flexible payment options, earn cashback, and compare prices across stores. Manage your money, unlock savings, and even get mobile coverage. Offers 24/7 customer service for a seamless experience.

Tabby: Send, spend and save

Take power over money

Free

Manage your finances with a comprehensive money app. Split purchases into interest-free installments, earn cashback, and access exclusive deals. Send money internationally and track all your spending in one place.

Katapult | Shop & Lease to Own

Browse, shop, lease, and own.

Free

This app offers a lease-to-own solution, allowing users to shop for items from over 100 retailers and pay over time with flexible payment options. It provides a way to acquire furniture, electronics, and appliances without upfront full payment, with no late fees and an option to purchase early.

PayLater: Split Your Payments

Relax, PayLater

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.

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.

Branch: A Better Payday

Your money—fast

Free

Access your earned wages instantly with flexible payout options. This app provides a free digital bank account and debit card, along with financial wellness tools to help you save, spend, and manage your money effectively.