Best Pay 4 Ways Apps

250+ iOS apps curated and reviewed

4.7 avg rating
20 free apps
Updated September 2026

Looking for free pay 4 ways apps? 20 of our 250+ tracked titles are free to download β€” no subscription, no trial. The rest are premium picks worth paying for.

Compare top Pay 4 Ways Apps (September 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Four | Buy Now, Pay LaterFour | Buy Now, Pay LaterFree4.8β˜… (117K)NoNoSep 2026
2PayLater: Split Your PaymentsPayLater: Split Your PaymentsFree3.5β˜… (292)NoNoSep 2026
3Klarna: Smarter everyday moneyKlarna: Smarter everyday moneyFree4.9β˜… (2.4M)YesNoSep 2026
4Tamara | Own your DreamTamara | Own your DreamFree4.7β˜… (59K)NoNoSep 2026
5Afterpay: Pay over timeAfterpay: Pay over timeFree4.9β˜… (753K)NoNoSep 2026
6Deferit: Pay bills in 4Deferit: Pay bills in 4Free4.8β˜… (34K)YesNoSep 2026
7ZayZoon - Wages On-DemandZayZoon - Wages On-DemandFree4.9β˜… (40K)NoNoSep 2026
8SplitSumSplitSumFreeβ€”NoNoSep 2026

Top Picks for Pay 4 Ways

Four | Buy Now, Pay Later#1

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

Flexible Shopping & Payments
4.8😞(117K ratings)
Free
#55in 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

  • πŸ’³ Convenient payment option
  • πŸ›’ Wide variety of stores
  • πŸ€‘ Affordable payment plans
  • πŸ“ˆ Increasing spending limits
  • 🀩 Great app experience

Room to Improve

  • πŸ€– Poor customer service
  • ❌ Declined/canceled orders
  • πŸ’° Unauthorized charges
  • πŸ•°οΈ Slow refund processing
  • πŸ”’ Account/login issues
PayLater: Split Your Payments#2
3.5😞(292 ratings)
Free
PayLater: Split Your Payments screenshot 1
PayLater: Split Your Payments screenshot 2
PayLater: Split Your Payments screenshot 3
PayLater: Split Your Payments screenshot 4
PayLater: Split Your Payments screenshot 5
PayLater: Split Your Payments screenshot 6

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.

What We Love

  • πŸ‘ Trusted
  • πŸ‘ Great experience

Room to Improve

  • πŸ’‘ No Arabic language support
  • πŸ’‘ Low spending limit
  • πŸ› Debit card not supported
  • πŸ› OTP not received
  • πŸ› Unable to delete app and restart
  • πŸ› Discriminatory spending limits between customers
Klarna: Smarter everyday money#3

Klarna: Smarter everyday money by Klarna Bank AB

Cashback, payments, savings
Worth Considering
πŸ’° Finance
4.9😞(2.4M ratings)
FreeAds
#10in Finance
Klarna: Smarter everyday money screenshot 1
Klarna: Smarter everyday money screenshot 2
Klarna: Smarter everyday money screenshot 3
Klarna: Smarter everyday money screenshot 4
Klarna: Smarter everyday money screenshot 5
Klarna: Smarter everyday money screenshot 6

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.

What We Love

  • πŸ’³ Easy payment process
  • πŸ“¦ Wide range of stores
  • πŸ•°οΈ Flexible payment plans
  • πŸ” Convenient for large purchases

Room to Improve

  • 🚫 Inconsistent approval process
  • ⚠️ Lack of Apple Wallet integration
  • πŸ€– Automated decision-making issues
  • πŸ•°οΈ Slow/delayed refund processing
  • 🀯 Poor customer service

More Pay 4 Ways apps to explore

FAQ about Pay 4 Ways

What are the best pay 4 ways apps for iPhone?
Four | Buy Now, Pay Later tops our pay 4 ways apps ranking as of September 2026, with a 4.8-star average from 117K App Store ratings, and it's free to download.
Yes β€” 20 of the top pay 4 ways apps we rank are free to download, including Four | Buy Now, Pay Later and PayLater: Split Your Payments.
Four | Buy Now, Pay Later has no ads and has no in-app purchases, according to its App Store listing as of September 2026.
We track 250+ pay 4 ways apps on the iOS App Store as of September 2026, ranked by rating, recency, and analysis of real user reviews.
This app allows you to shop at hundreds of online retailers and split your purchases into four equal payments. The payments are scheduled to be paid every two weeks, making it easier to manage your spending and stay on budget while shopping online.
When you choose to pay with Four at a partner retailer, your purchase is split into four payments. The first payment is made at the time of purchase, and the remaining three payments are automatically charged every two weeks. This provides a clear and predictable payment schedule.