Best Laybuy Apps

174+ iOS apps curated and reviewed

4.5 avg rating
20 free apps
Updated May 2026

Whether you're new to laybuy or looking for an upgrade, our curated collection of 174+ iOS apps has something for everyone. Each app is reviewed and rated by real users, helping you make an informed decision.

Compare top Laybuy Apps (May 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Tabby: Send, spend and saveTabby: Send, spend and saveFree4.8β˜… (84K)NoNoAug 2026
2Tamara | Shop Now Pay LaterTamara | Shop Now Pay LaterFree4.7β˜… (59K)NoNoAug 2026
3Katapult | Shop & Lease to OwnKatapult | Shop & Lease to OwnFree4.8β˜… (27K)NoNoAug 2026
4NewpayNewpayFreeβ€”NoNoJul 2026
5PayUp PaymentsPayUp PaymentsFree2.3β˜… (15)NoNoJul 2026
6Affirm: Buy now, pay over timeAffirm: Buy now, pay over timeFree4.9β˜… (1.7M)NoNoAug 2026
7Perpay - Shop and Build CreditPerpay - Shop and Build CreditFree4.9β˜… (11K)YesNoAug 2026
8Four | Buy Now, Pay LaterFour | Buy Now, Pay LaterFree4.8β˜… (112K)NoNoAug 2026

Top Picks for Laybuy

Tabby: Send, spend and save#1

Tabby: Send, spend and save by Tabby FZ LLC

Take power over money
Editor's Choice
πŸ’° Finance
4.8😞(84K ratings)
Free
Tabby: Send, spend and save screenshot 1
Tabby: Send, spend and save screenshot 2
Tabby: Send, spend and save screenshot 3
Tabby: Send, spend and save screenshot 4
Tabby: Send, spend and save screenshot 5
Tabby: Send, spend and save screenshot 6

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.

What We Love

  • πŸ’‘ Convenient installment payments
  • πŸ‘ Easy to use app
  • πŸš€ Smooth and efficient service
  • πŸ€‘ Helps manage budget and afford purchases

Room to Improve

  • πŸ› Unclear purchasing power and lack of transparency
  • πŸ€·β€β™€οΈ Uninformed and unhelpful customer support
  • 🚫 Risk of permanent ban for failed purchases
Tamara | Shop Now Pay Later#2

Tamara | Shop Now Pay Later by Tamara FZE

Pay in up to 24, No late fees
Strong Contender
πŸ’° Finance
4.7😞(59K ratings)
Free
Tamara | Shop Now Pay Later screenshot 1
Tamara | Shop Now Pay Later screenshot 2
Tamara | Shop Now Pay Later screenshot 3
Tamara | Shop Now Pay Later screenshot 4
Tamara | Shop Now Pay Later screenshot 5
Tamara | Shop Now Pay Later screenshot 6

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

  • πŸ‘ Easy to use
  • πŸ’‘ Helpful payment splitting
  • πŸš€ Smooth and fast transactions
  • πŸ™ Excellent customer service

Room to Improve

  • πŸ› Unreliable payment processing
  • 🀬 Terrible customer support
  • ❌ Unauthorized charges
Katapult | Shop & Lease to Own#3

Katapult | Shop & Lease to Own by Katapult Group Inc

Browse, shop, lease, and own.
Worth Considering
πŸ’° Finance
4.8😐(27K ratings)
Free
Katapult | Shop & Lease to Own screenshot 1
Katapult | Shop & Lease to Own screenshot 2
Katapult | Shop & Lease to Own screenshot 3
Katapult | Shop & Lease to Own screenshot 4
Katapult | Shop & Lease to Own screenshot 5

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.

What We Love

  • πŸš€ Easy financing
  • πŸ’‘ 90-day early buyout option
  • πŸ‘ Friendly customer service
  • πŸš€ Quick approval process

Room to Improve

  • πŸ› App issues and glitches
  • πŸ”’ Security and privacy concerns
  • πŸ’° High interest rates after 90 days

More Laybuy apps to explore

4
Newpay
Newpay
Newpay
Buying big? Spread the cost.
Free

Manage your credit account on the go with this secure mobile app. View your balance, track transactions, make payments, and manage your direct debit. Access retailer information and update your contact details easily.

View balance and credit limitBrowse retailersTrack transactions
πŸ’° Finance
(0)
ad-supported
5
PayUp Payments
PayUp Payments
PayUp Payments
Offer Buy Now Pay Later Today
Free

This app enables merchants to offer a buy now, pay later option at checkout without needing POS integration. Shoppers can split purchases into three interest-free installments and receive their goods immediately.

Offer Buy Now Pay Later at checkoutNo POS integration requiredSplit payments into 3 interest-free installments
πŸ’Ό Business
(15)
free
6
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
πŸ›οΈ Shopping
(1.7M)
free with in-app purchases
7
Perpay - Shop and Build Credit
Perpay - Shop and Build Credit
Perpay - Shop and Build Credit
Shop, pay later, build credit
Free

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.

Access up to $1,000 to spendShop top brands on marketplacePay over time with no interest/fees
πŸ’° Finance
(11K)
free with in-app purchases
8
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
πŸ›οΈ Shopping
(112K)
freemium
9
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
πŸ’° Finance
(2.3M)
free with in-app purchases
10
Afterpay: Pay over time
Afterpay: Pay over time
Afterpay: Pay over time
Shop Now. Split your payments.
Free

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.

Split purchases into 4 paymentsMonthly payment options availableDiscover exclusive deals and brands
πŸ›οΈ Shopping
(752K)
free with in-app purchases
11
Bip: Simple cardless credit
Bip: Simple cardless credit
Bip: Simple cardless credit
Spend, save & control money
Free

This app offers cardless credit with no hidden fees, allowing users to manage their spending and finances easily. It provides features like spending caps, instant balance updates, and 24/7 support for a secure and controlled financial experience.

Cardless credit accessSpending caps and controlInstant balance updates
πŸ’° Finance
(7)
free with in-app purchases
12
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
πŸ›οΈ Shopping
(840K)
free with in-app purchases
13
Acima: Lease Now & Buy Later
Acima: Lease Now & Buy Later
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.

Lease without perfect creditApproved for up to $4,000Shop at thousands of stores
πŸ›οΈ Shopping
(25K)
free
14
Klover - Instant Cash Advance
Klover - Instant Cash Advance
Klover - Instant Cash Advance
Up to $750 Before Payday
Free

Access cash advances up to $750 before your next payday without credit checks, late fees, or interest. Earn points for surveys and ads to increase your advance amount. Utilize budgeting tools and track your credit score.

Cash advances up to $750No credit checks, late fees, or interestEarn points for surveys and ads
πŸ’° Finance
(364K)
free with in-app purchases
15
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
πŸ’° Finance
(271)
free
16
Aqua credit card
Aqua credit card
Aqua credit card
Build better credit with Aqua
Free

Easily manage your credit card account on the go. View balances, transactions, and make payments. Set up Direct Debits, manage statements, and update your contact details. Get support and access FAQs directly within the app.

View balance and credit limitTrack transactions (pending and posted)Make payments
πŸ’° Finance
(325)
free
17
Suave: Buy now, pay later.
Suave: Buy now, pay later.
Suave: Buy now, pay later.
Easy shopping.
Free

Shop for items you need and pay them off over time with flexible monthly payment plans. Get prequalified instantly, then use the app to manage your purchases and payments at your favorite stores.

Pay in 4, 6, or 12 monthly installmentsInstant prequalificationShop at favorite stores
πŸ›οΈ Shopping
(709)
free
18
FlexWallet
FlexWallet
FlexWallet
Shop In Store & Lease to Own
Free

Lease-to-own a variety of items like furniture, electronics, and appliances from your favorite retailers. Apply for a spending limit and receive a virtual card to make purchases, with flexible weekly payments.

Lease-to-own in-store and onlineApply for spending limit up to $2,500Virtual credit card for purchases
πŸ›οΈ Shopping
(2.7K)
free
19
PandaBuy
PandaBuy
PandaBuy
Easily buy from China!
Free

This app simplifies purchasing items from China by providing integrated purchasing, warehousing, and shipping services. It offers features for order management, high-definition product photos, and live shipping data to help estimate costs.

Purchasing from ChinaWarehousing servicesShipping services
πŸ›οΈ Shopping
(3K)
free
20
ezbuy - Online Shopping
ezbuy - Online Shopping
ezbuy - Online Shopping
Online Deals
Free

Shop millions of quality products from around the world at the lowest prices. Enjoy free shipping, daily deals, and a hassle-free delivery experience. Earn cashback with ezCoins to further reduce your costs.

Shop global productsLowest prices guaranteedFree shipping options
πŸ›οΈ Shopping
(345)
free with in-app purchases

FAQ about Laybuy

What are the best laybuy apps for iPhone?
Tabby: Send, spend and save tops our laybuy apps ranking as of May 2026, with a 4.8-star average from 84K App Store ratings, and it's free to download.
Yes β€” 20 of the top laybuy apps we rank are free to download, including Tabby: Send, spend and save and Tamara | Shop Now Pay Later.
Tabby: Send, spend and save has no ads and has no in-app purchases, according to its App Store listing as of May 2026.
We track 174+ laybuy apps on the iOS App Store as of May 2026, ranked by rating, recency, and analysis of real user reviews.
Tabby is rated 4+ and is suitable for users of all ages.
The latest version of Tabby is 4.84.0, and it was last updated on June 19, 2026. Updates ensure the app is reliable and offers the latest features.