Best Pay In 4 Apps

Sezzle: Buy Now, Pay Later

Pay Over Time & Earn Rewards

Free

This app allows you to buy now and pay later with interest-free installments over six weeks. Easily split purchases into four payments, manage your budget, and discover exclusive deals from thousands of retailers. Enjoy a seamless shopping experience with flexible rescheduling options and instant approval.

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.

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.

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.

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.

Tabby: Send, spend and save

Take power over money

Free

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.

Katapult | Shop & Lease to Own

Browse, shop, lease, and own.

Free

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.

Shop: Track, Pay, Discover

Shopping app & package tracker

Free

Discover and shop from your favorite brands and local stores, receiving alerts for deals and new arrivals. Organize wishlists, track all your orders in one place, and enjoy a seamless one-tap checkout experience.

Deferit: Pay bills in 4

Buy now pay later for bills

Free

Manage your bills and budget with flexibility. This app allows you to pay almost any service bill in four smaller installments with no interest. It also helps you save money by negotiating better deals with providers and builds your credit history by reporting on-time payments.

Snap Finance

No credit? Shop now, pay later

Free

Apply for lease-to-own financing up to $5,000 with no credit check required. Shop for furniture, electronics, and more, and pay later. Manage your lease, payments, and view transactions securely.

PayLater: Split Your Payments

Relax, PayLater

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.

PayPal - Pay, Send, Save

Debit card, rewards, pay later

Free

Manage your finances with a secure app for online and in-store shopping, sending money globally, and earning cash back. It also offers savings accounts, cryptocurrency trading, and package tracking.

ZOOD: Buy Now, Pay Later

Shop in up to 12 installments

Free

Shop now and pay over time with flexible installment plans. Access a vast selection of products from trusted sellers and use a virtual card for seamless online purchases. Stay within your budget while getting what you need.

CirclePay - Buy Now Pay Later

by Circle Explorer PVT LTD

Free

This app allows users to shop at partner merchants and split purchases into interest-free monthly installments. Manage payments, track spending, and discover new places to shop, all within a secure platform.

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.

Cash App

Money. Debit Card. Bitcoin.

Free

Easily send and receive money or bitcoin instantly. Save by rounding up change, invest in stocks or bitcoin, and get paid up to two days early with direct deposit. Features a customizable debit card with exclusive discounts.

Pay with Sublime

Split up and save on bills

Free

This app helps you lower your bills by splitting payments and earning cash back. It automatically finds savings, negotiates on your behalf, and tracks your subscriptions. Take control of your finances and reduce expenses without direct customer service calls.