Best Pay-As-You-Go Apps

0+ iOS apps curated and reviewed

4.7 avg rating
20 free apps
Updated June 2026

From beginner-friendly picks to power-user tools, our pay-as-you-go list covers 0+ iPhone apps updated through June 2026. Compare ratings, prices, and screenshots in one place.

Top Picks for Pay-As-You-Go

Four | Buy Now, Pay Later#1

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

Flexible Shopping & Payments
Editor's Choice
🛍️ Shopping
4.8😞(108K ratings)
Free
#72in 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 now, pay later at your favorite stores with an app that allows you to split payments into four interest-free installments every 2 weeks. Manage orders, payments, and get notified before due dates. Discover new retailers in the app directory. Happy shopping!

What We Love

  • 💳 Convenient payment option
  • 🛒 Wide variety of stores
  • 🤑 Affordable payment plans
  • 📈 Increasing spending limits

Room to Improve

  • 🤖 Poor customer service
  • ❌ Declined/canceled orders
  • 💰 Unauthorized charges
Sezzle: Buy Now, Pay Later#2

Sezzle: Buy Now, Pay Later by Sezzle Inc.

Shop & Pay in 4¹
Strong Contender
🛍️ Shopping
4.9😞(290K ratings)
FreeAds
#40in Shopping
Sezzle: Buy Now, Pay Later screenshot 1
Sezzle: Buy Now, Pay Later screenshot 2
Sezzle: Buy Now, Pay Later screenshot 3
Sezzle: Buy Now, Pay Later screenshot 4
Sezzle: Buy Now, Pay Later screenshot 5

Shop clothing, beauty products, electronics, and more with flexible payment options through our app. Buy now and pay later in easy installments to make shopping convenient and affordable for you. Start shopping today and enjoy the freedom to pay at your own pace.

What We Love

  • 🚀 Convenient payment option
  • 💳 Flexible payment plans
  • 🏪 Wide range of partner stores
  • 🆙 Increased spending limit with on-time payments

Room to Improve

  • 🤖 Poor customer service
  • 🔒 Concerns about security and fraud
  • 🔄 Issues with rescheduling payments
Affirm: Buy now, pay over time#3

Affirm: Buy now, pay over time by Affirm, Inc

Flexible payments, big savings
Worth Considering
🛍️ Shopping
4.9😞(1.7M ratings)
FreeAds
#19in Shopping
Affirm: Buy now, pay over time screenshot 1
Affirm: Buy now, pay over time screenshot 2
Affirm: Buy now, pay over time screenshot 3

Shop stress-free with the Affirm app: pay over time at any store, access exclusive deals with low rates, manage your account and payments, and open a high-yield Money Account. Use the Affirm Card online or in-person, request payment plans, link your bank account, and shop easily with flexible payment options.

What We Love

  • 🙏 Helpful in tough times
  • 💳 Convenient financing option
  • 📈 Improved credit score

Room to Improve

  • 🤔 Confusing payment process
  • 🔒 Security and privacy concerns
  • 🔍 Difficulty verifying identity

More Pay-As-You-Go apps to explore

4
GoToll: Pay tolls as you go
GoToll: Pay tolls as you go
GoToll: Pay tolls as you go
Use your phone to pay tolls
Free

GoToll allows you to pay tolls using just your phone, eliminating the need for tags. Simply download the app, add your license plate and credit card, and pay as you go through cashless toll lanes in select states. Track toll-road spending, manage payment methods, and update vehicle information easily. Visit www.gotoll.com for more information.

✈️ Travel
(3.2K)
5
Tabby: Pay over time
Tabby: Pay over time
Tabby: Pay over time
Pay in 4. No hidden fees
Free

Shop at your favorite brands and split purchases into 4 interest-free payments with Tabby. Track payments, get discounts, and explore thousands of products and brands. Take control of your spending with Tabby's convenient features and 24/7 chat support.

💰 Finance
(82K)
6
Perpay - Shop and Build Credit
Perpay - Shop and Build Credit
Perpay - Shop and Build Credit
Shop, pay later, build credit
Free

Shop, pay later, and build credit with an all-in-one shopping app. Buy your favorite brands and pay over time to improve your credit score. Start shopping smart today!

💰 Finance
(11K)
7
PayLater - Split in 4 payments
PayLater - Split in 4 payments
PayLater - Split in 4 payments
The Only Way to Split Pay
Free
💰 Finance
(3)
8
Katapult | Shop & Lease to Own
Katapult | Shop & Lease to Own
Katapult | Shop & Lease to Own
Browse, shop, lease, and own.
Free

Discover a revolutionary shopping companion that uses cutting-edge technology to enhance your shopping experience. Find personalized recommendations, exclusive deals, and seamless checkout options all in one place. Elevate your shopping with Katapult today!

💰 Finance
(27K)
9
Snapfax:  Pay-as-you-go Fax
Snapfax:  Pay-as-you-go Fax
Snapfax: Pay-as-you-go Fax
Snap to Fax
Free

Turn your iPhone or iPad into a fax machine with this convenient mobile app. Send faxes easily on the go without a fax machine or subscription. Purchase credits as you need for hassle-free faxing.

💼 Business
(1.7K)
10
Suave: Buy now, pay later.
Suave: Buy now, pay later.
Suave: Buy now, pay later.
Easy shopping.
Free

Shop with ease using Suave: Buy now, pay later. Get prequalified for flexible monthly payments and shop at your favorite stores stress-free. Start shopping smarter today!

🛍️ Shopping
(664)
11
Dayforce Wallet: On-demand Pay
Dayforce Wallet: On-demand Pay
Dayforce Wallet: On-demand Pay
Get paid as you earn.
Free

Access your earned pay instantly with Dayforce Wallet: On-demand Pay. Transfer funds, make purchases, and manage your money hassle-free with no hidden fees. Simply download the app, connect your account, and activate your card to get started today.

💰 Finance
(53K)
12
Klarna: Smarter everyday money
Klarna: Smarter everyday money
Klarna: Smarter everyday money
Shop anywhere, manage & save
Free

Shop now and pay later with our online shopping app. Enjoy the convenience of deferred payments with easy installment options. Download now for effortless shopping!

💰 Finance
(2.2M)
13
Tamara | Shop Now Pay Later
Tamara | Shop Now Pay Later
Tamara | Shop Now Pay Later
Pay in up to 24, No late fees
Free

Discover new and trending fashion items from top brands curated just for you. Get personalized recommendations based on your style preferences and shop the latest trends effortlessly. Update your wardrobe with ease!

💰 Finance
(59K)
14
Paid Keeper - Same Day Pay
Paid Keeper - Same Day Pay
Paid Keeper - Same Day Pay
Your money, when you need it
Free

Get instant access to your earnings with our app. Say goodbye to waiting for payday and hello to Same Day Pay! Download now and take control of your finances.

💰 Finance
(4.7K)
15
EasyPark - Parking made easy
EasyPark - Parking made easy
EasyPark - Parking made easy
Handy parken & Parkplatzfinder
Free

A leading parking application in Europe, EasyPark allows users to pay for parking via their mobile phones, offering convenience and stress-free parking solutions in over 20 countries. With features like starting, stopping, and extending parking sessions, finding parking spots, and charging electric vehicles, EasyPark simplifies the parking experience. Explore EasyPark in major cities across Europe and manage your parking effortlessly.

✈️ Travel
(5.1K)
16
Touch ‘n Go eWallet
Touch ‘n Go eWallet
Touch ‘n Go eWallet
It’s the way to GO
Free

Experience seamless financial services with this app supporting iOS 11.0 and above. From effortless payments and international remittance to in-store and online shopping, bill payments, and secure investments, this app offers a comprehensive eWallet experience. Start exploring and redefine your banking experience today!

💰 Finance
(4.2K)
17
PayByPhone Parking
PayByPhone Parking
PayByPhone Parking
The best way to park.
Free

Easily manage your parking needs with our intuitive app - register, pay, extend, and never worry about forgetting your parking time again. Available in over 1,000 cities worldwide.

✈️ Travel
(736K)
18
Call Recorder Pay As You Go
Call Recorder Pay As You Go
Call Recorder Pay As You Go
Record Your Phone Calls PAYG
Free

This application allows users to record phone calls with no subscription or hidden fees, using a pay-as-you-go model. It offers various features, including playing, sharing, and exporting recorded calls, and is suitable for recording national or international calls, with the user responsible for ensuring call recording is legal in their country.

💼 Business
(58)
19
FlexWallet
FlexWallet
FlexWallet
Shop In Store & Lease to Own
Free

FlexWallet is a convenient shopping app that lets you easily track your expenses and manage your budget while browsing in-store. Take control of your spending with just a few taps!

🛍️ Shopping
(2.7K)
20
Payactiv
Payactiv
Payactiv
On-demand pay and beyond
Free

Access your earnings early, manage spending, savings, and get discounts effortlessly with our app. Enjoy early access to your paycheck, instant mobile payments, smart spending insights, and grow your savings with real-time advice. Experience convenient and secure banking without hidden fees. Join us at www.payactiv.com.

💰 Finance
(77K)