Best Laybuy Apps

224+ iOS apps curated and reviewed

4.7 avg rating
20 free apps
Updated October 2026

Whether you're new to laybuy or looking for an upgrade, our curated collection of 224+ 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 (October 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1NewpayNewpayFree—NoNoNov 2026
2Perpay - Shop and Build CreditPerpay - Shop and Build CreditFree4.9★ (25K)NoNoNov 2026
3Four | Buy Now, Pay LaterFour | Buy Now, Pay LaterFree4.8★ (125K)NoNoNov 2026
4Tabby: Send, spend and saveTabby: Send, spend and saveFree4.8★ (86K)NoNoNov 2026
5Tamara | Own your DreamTamara | Own your DreamFree4.7★ (59K)NoNoNov 2026
6Zip - Buy Now, Pay LaterZip - Buy Now, Pay LaterFree4.9★ (883K)NoNoNov 2026
7Acima: Lease Now & Buy LaterAcima: Lease Now & Buy LaterFree4.8★ (27K)NoNoNov 2026
8Katapult | Shop & Lease to OwnKatapult | Shop & Lease to OwnFree4.8★ (29K)NoNoNov 2026

Top Picks for Laybuy

Newpay#1

Newpay by NewDay Ltd

Buying big? Spread the cost.
Editor's Choice
💰 Finance
0.0(0 ratings)
Free
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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.

Perpay - Shop and Build Credit#2

Perpay - Shop and Build Credit by Perpay, Inc.

Shop, pay later, build credit
Strong Contender
💰 Finance
4.9😐(25K ratings)
Free
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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.

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😞(125K ratings)
Free
#32in Shopping
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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 Laybuy apps to explore

FAQ about Laybuy

Are there free laybuy apps for iPhone?
Yes — 20 of the top laybuy apps we rank are free to download, including Newpay and Perpay - Shop and Build Credit.
Newpay has no ads and has no in-app purchases, according to its App Store listing as of October 2026.
We track 224+ laybuy apps on the iOS App Store as of October 2026, ranked by rating, recency, and analysis of real user reviews.