Best Pay As You Go Apps

246+ iOS apps curated and reviewed

4.7 avg rating
20 free apps
Updated September 2026

Every iPhone needs a few good pay as you go apps. We benchmark 246+ of them on App Store rating, freshness, and pricing, then surface the standouts so you don't have to scroll the App Store yourself.

Compare top Pay As You Go Apps (September 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Afterpay: Pay over timeAfterpay: Pay over timeFree4.9★ (753K)NoNoOct 2026
2Zip - Buy Now, Pay LaterZip - Buy Now, Pay LaterFree4.9★ (872K)NoNoOct 2026
3Four | Buy Now, Pay LaterFour | Buy Now, Pay LaterFree4.8★ (121K)NoNoOct 2026
4Sezzle: Buy Now, Pay LaterSezzle: Buy Now, Pay LaterFree4.9★ (304K)NoNoOct 2026
5Perpay - Shop and Build CreditPerpay - Shop and Build CreditFree4.9★ (22K)NoNoOct 2026
6Klarna: Smarter everyday moneyKlarna: Smarter everyday moneyFree4.9★ (2.4M)YesNoOct 2026
7Affirm: Buy now, pay over timeAffirm: Buy now, pay over timeFree4.9★ (1.8M)NoNoOct 2026
8PayLater: Split Your PaymentsPayLater: Split Your PaymentsFree3.5★ (304)NoNoOct 2026

Top Picks for Pay As You Go

Afterpay: Pay over time#1

Afterpay: Pay over time by Afterpay

Shop Now. Split your payments.
Editor's Choice
🛍️ Shopping
4.9😐(753K ratings)
Free
#31in Shopping
Afterpay: Pay over time screenshot 1
Afterpay: Pay over time screenshot 2
Afterpay: Pay over time screenshot 3
Afterpay: Pay over time screenshot 4
Afterpay: Pay over time screenshot 5
Afterpay: Pay over time screenshot 6

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.

What We Love

  • 🚀 Convenient payment plan
  • 💳 No interest or hidden fees
  • 🤝 Good customer service (initially)
  • 📈 Increasing credit limit with usage
  • 🛒 Wide range of participating stores
  • 🕰️ Flexible payment scheduling
  • 💰 Helps with budgeting and affordability

Room to Improve

  • 🐛 App/website technical issues
  • 🔒 Security and privacy concerns
  • 🤖 Lack of human customer support
  • 🔽 Drastic credit limit reductions
  • 🚫 Accounts closed/banned for minor issues
  • 💳 Incompatibility with certain payment methods
  • 🕰️ Automatic payments causing overdraft issues
Zip - Buy Now, Pay Later#2

Zip - Buy Now, Pay Later by Zip Co US, Inc.

Shop Now & Pay Over Time
Strong Contender
💰 Finance
4.9😊(872K ratings)
Free
#44in Finance
Zip - Buy Now, Pay Later screenshot 1
Zip - Buy Now, Pay Later screenshot 2
Zip - Buy Now, Pay Later screenshot 3
Zip - Buy Now, Pay Later screenshot 4
Zip - Buy Now, Pay Later screenshot 5
Zip - Buy Now, Pay Later screenshot 6

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.

What We Love

  • 💳 Convenient payment option
  • 🤑 Affordable payment plans
  • ⏰ Flexible payment schedules
  • 🤝 Helpful customer service
  • 🆙 Increasing credit limits
  • 🏪 Wide range of merchant partners

Room to Improve

  • 🐛 Unreliable app performance
  • 🤔 Unclear refund/return policies
  • 🤷‍♀️ Inconsistent customer support
  • 🔒 Security/account issues
  • 💰 Unexpected fees/charges
Four | Buy Now, Pay Later#3

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

Flexible Shopping & Payments
Worth Considering
🛍️ Shopping
4.8😞(121K ratings)
Free
#47in 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 Pay As You Go apps to explore

FAQ about Pay As You Go

What are the best pay as you go apps for iPhone?
Afterpay: Pay over time tops our pay as you go apps ranking as of September 2026, with a 4.9-star average from 753K App Store ratings, and it's free to download.
Yes — 20 of the top pay as you go apps we rank are free to download, including Afterpay: Pay over time and Zip - Buy Now, Pay Later.
Afterpay: Pay over time has no ads and has no in-app purchases, according to its App Store listing as of September 2026.
We track 246+ pay as you go apps on the iOS App Store as of September 2026, ranked by rating, recency, and analysis of real user reviews.