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)NoNoSep 2026
2Perpay - Shop and Build CreditPerpay - Shop and Build CreditFree4.9★ (16K)NoNoSep 2026
3Four | Buy Now, Pay LaterFour | Buy Now, Pay LaterFree4.8★ (117K)NoNoSep 2026
4Afterpay: Pay over timeAfterpay: Pay over timeFree4.9★ (753K)NoNoSep 2026
5Sezzle: Buy Now, Pay LaterSezzle: Buy Now, Pay LaterFree4.9★ (300K)NoNoSep 2026
6Zip - Buy Now, Pay LaterZip - Buy Now, Pay LaterFree4.9★ (858K)NoNoSep 2026
7PayLater: Split Your PaymentsPayLater: Split Your PaymentsFree3.5★ (292)NoNoSep 2026
8Affirm: Buy now, pay over timeAffirm: Buy now, pay over timeFree4.9★ (1.7M)NoNoSep 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
  • ⚠️ Limited availability in certain regions
Perpay - Shop and Build Credit#2

Perpay - Shop and Build Credit by Perpay, Inc.

Shop, pay later, build credit
Strong Contender
💰 Finance
4.9😐(16K ratings)
Free
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
  • 💳 Convenient automatic payments
  • 🤝 Good customer service

Room to Improve

  • 💰 Overpriced items
  • 🕰️ Slow shipping and approval process
  • 🤖 Poor app performance and glitches
  • 📞 Lack of phone support
  • 🔁 Difficulty with returns and refunds
Four | Buy Now, Pay Later#3

Four | Buy Now, Pay Later by Four Technologies, Inc

Flexible Shopping & Payments
Worth Considering
🛍️ Shopping
4.8😞(117K ratings)
Free
#54in Shopping
Four | Buy Now, Pay Later screenshot 1
Four | Buy Now, Pay Later screenshot 2
Four | Buy Now, Pay Later screenshot 3
Four | Buy Now, Pay Later screenshot 4
Four | Buy Now, Pay Later screenshot 5

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.

What We Love

  • 💳 Convenient payment option
  • 🛒 Wide variety of stores
  • 🤑 Affordable payment plans
  • 📈 Increasing spending limits
  • 🤩 Great app experience

Room to Improve

  • 🤖 Poor customer service
  • ❌ Declined/canceled orders
  • 💰 Unauthorized charges
  • 🕰️ Slow refund processing
  • 🔒 Account/login issues

More Installment Pay apps to explore

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 Perpay - Shop and Build Credit.
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.