Best Kiarna 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.

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.

Sezzle: Buy Now, Pay Later

Pay Over Time & Earn Rewards

Free

This app offers flexible payment options for purchases, allowing users to split costs into interest-free installments. It also provides rewards, opportunities to build credit history, cash advances, and a mobile phone plan, all within a single platform.

PayPal - Pay, Send, Save

Debit card, rewards, pay later

Free

Securely shop online and in-store, send and receive money globally, and manage your finances. Earn rewards with a debit card and track packages. Offers purchase protection and buy now, pay later options.

Tamara | Own your Dream

Pay in up to 24, No late fees

Free

This app offers flexible payment plans for purchases across various categories like retail, travel, and healthcare. Enjoy interest-free installments and no late fees, with instant pre-approved limits and exclusive deals. Discover nearby partner locations easily.

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.

Cash App

Money. Debit Card. Bitcoin.

Free

Manage your money with ease, from instant payments and early direct deposits to investing in stocks and Bitcoin. This app offers a customizable debit card, savings tools, and exclusive discounts, simplifying your financial life.

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.

Intuit Credit Karma

Save, Spend & Grow Your Credit

Free

Manage your finances, track spending, and get personalized credit offers. Access banking services, simplify tax preparation, and build credit history with bills you already pay.

Shop: Track, Pay, Discover

Shopping app & package tracker

Free

Discover and purchase from independent stores, track all your orders in one place, and get personalized recommendations. Save items, organize collections, and enjoy fast, secure checkout with saved payment and shipping information.

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.

Chime® – Mobile Banking

Credit, Cash back, Savings

Free

Manage your finances with tools for early payday access, fee-free overdraft protection, and credit building. This app offers a checking account with fee-free cash deposits and ATMs, plus automatic savings features and 24/7 support.

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.

SHEIN - Shopping Online

Fashion for Everyone

Free

Discover a vast online marketplace for affordable fashion, home goods, beauty products, and more. Enjoy daily flash sales, free shipping and returns, and flexible payment options. Connect with a community of shoppers and stay updated on new arrivals and promotions.

Kikoff: Build Credit Quickly

Grow & Monitor Your Credit

Free

This app helps users build and monitor their credit score quickly and affordably. It reports to all three major credit bureaus and offers features like rent and bill reporting. Plans start at $5 per month with no credit checks or interest.

OnePay – Mobile Banking

Bank. Borrow. Build Credit.

Free

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.

Progressive Leasing

by Prog Leasing, LLC

Free

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.