Best Pay In 4 Buy Apps

223+ iOS apps curated and reviewed

4.7 avg rating
20 free apps
Updated June 2026

Out of 223+ pay in 4 buy apps on iOS, 20 are free and the rest sit in the paid tier. This page sorts them so you can compare both sides before you commit.

Top Picks for Pay In 4 Buy

Deferit: Pay bills in 4#1

Deferit: Pay bills in 4 by deferit Pty Ltd

Save & build credit history
Editor's Choice
๐Ÿ’ฐ Finance
4.8๐Ÿ˜Š(30K ratings)
FreeAds
Deferit: Pay bills in 4 screenshot 1
Deferit: Pay bills in 4 screenshot 2
Deferit: Pay bills in 4 screenshot 3
Deferit: Pay bills in 4 screenshot 4
Deferit: Pay bills in 4 screenshot 5
Deferit: Pay bills in 4 screenshot 6

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.

What We Love

  • ๐Ÿ’ณ Helpful for paying bills in installments
  • โฑ๏ธ Fast bill payment processing
  • ๐Ÿ“† Ability to change payment due dates
  • ๐Ÿค Friendly and responsive customer service

Room to Improve

  • ๐Ÿ•ฐ๏ธ Delayed bill payments due to high volume
  • ๐Ÿค– Lack of phone/live chat support
  • ๐Ÿ’ฐ Subscription fees and processing fees
ZOOD: Buy Now, Pay Later#2

ZOOD: Buy Now, Pay Later by OrientSwiss SA

Shop in up to 12 installments
Strong Contender
๐Ÿ›๏ธ Shopping
4.4๐Ÿ˜(1.3K ratings)
Free
ZOOD: Buy Now, Pay Later screenshot 1
ZOOD: Buy Now, Pay Later screenshot 2
ZOOD: Buy Now, Pay Later screenshot 3
ZOOD: Buy Now, Pay Later screenshot 4
ZOOD: Buy Now, Pay Later screenshot 5
ZOOD: Buy Now, Pay Later screenshot 6

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.

What We Love

  • ๐Ÿ‘ Professional work
  • ๐Ÿ‘ Excellent customer service
  • ๐Ÿ‘ Easy to use and buy
  • ๐Ÿ‘ Great variety of products

Room to Improve

  • ๐Ÿ› Delivery issues
  • ๐Ÿ› Unreliable customer support
  • ๐Ÿ’ฐ Exaggerated pricing
Sezzle: Buy Now, Pay Later#3

Sezzle: Buy Now, Pay Later by Sezzle Inc.

Shop & Pay in 4ยน
Worth Considering
๐Ÿ›๏ธ Shopping
4.9๐Ÿ˜ž(292K ratings)
FreeAds
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

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.

What We Love

  • ๐Ÿš€ Convenient payment option
  • ๐Ÿ’ณ Flexible payment plans
  • ๐Ÿช Wide range of partner stores
  • ๐Ÿ†™ Increased spending limit with on-time payments

Room to Improve

  • ๐Ÿค– Poor customer service
  • ๐Ÿ”’ Concerns about security and fraud
  • ๐Ÿ”„ Issues with rescheduling payments

More Pay In 4 Buy apps to explore

4
Tabby: Send, spend and save
Tabby: Send, spend and save
Tabby: Send, spend and save
Pay in 4. No hidden fees
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.

Split purchases into 4 monthly paymentsShop from top brands online and in-storeCompare prices and track deals
๐Ÿ’ฐ Finance
(83K)
free
5
Afterpay: Pay over time
Afterpay: Pay over time
Afterpay: Pay over time
Shop Now. Split your payments.
Free

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.

Split purchases into 4 paymentsMonthly payment options availableDiscover exclusive deals and brands
๐Ÿ›๏ธ Shopping
(752K)
free with in-app purchases
6
Perpay - Shop and Build Credit
Perpay - Shop and Build Credit
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.

Access up to $1,000 to spendShop top brands on marketplacePay over time with no interest/fees
๐Ÿ’ฐ Finance
(11K)
free with in-app purchases
7
Suave: Buy now, pay later.
Suave: Buy now, pay later.
Suave: Buy now, pay later.
Easy shopping.
Free

Shop for items you need and pay them off over time with flexible monthly payment plans. Get prequalified instantly, then use the app to manage your purchases and payments at your favorite stores.

Pay in 4, 6, or 12 monthly installmentsInstant prequalificationShop at favorite stores
๐Ÿ›๏ธ Shopping
(692)
free
8
PayPal - Pay, Send, Save
PayPal - Pay, Send, Save
PayPal - Pay, Send, Save
Savings, cash back, 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.

Send and receive money globallyEarn cash back offersRequest a debit card
๐Ÿ’ฐ Finance
(6.3M)
free with in-app purchases
9
Uphold: Buy BTC, ETH and 360+
Uphold: Buy BTC, ETH and 360+
Uphold: Buy BTC, ETH and 360+
From $ to Bitcoin in seconds
Free

Trade a wide range of digital assets including cryptocurrencies, national currencies, and precious metals. Access hard-to-find tokens, benefit from low fees, and secure your funds with robust reserve policies. The platform offers easy setup, recurring transactions, and flexible order types.

Trade 360+ cryptocurrenciesAccess 27 national currenciesTrade 4 precious metals
๐Ÿ’ฐ Finance
(90K)
free with in-app purchases
10
Four | Buy Now, Pay Later
Four | Buy Now, Pay Later
Four | Buy Now, Pay Later
Flexible Shopping & Payments
Free

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.

Split purchases into 4 paymentsPay every two weeksManage orders in one app
๐Ÿ›๏ธ Shopping
(109K)
freemium
11
Snap Finance
Snap Finance
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.

Apply for financing up to $5,000No credit check requiredShop for furniture, electronics, and more
๐Ÿ›๏ธ Shopping
(22K)
free
12
Monica - Pay, Send, Bills
Monica - Pay, Send, Bills
Monica - Pay, Send, Bills
Everything Money and Bills
Free

Manage your finances, pay bills, and shop with discounts all in one place. This app offers instant money transfers, secure transactions, and a virtual dollar card for global shopping. Enjoy free bank withdrawals and easy bill payments.

Tag & Scan to PayShop with DiscountsPay Bills with Ease
๐Ÿ’ฐ Finance
(14K)
free
13
CDcare Pay Small Small App
CDcare Pay Small Small App
CDcare Pay Small Small App
CDcare E-commerce App.
Free

This marketplace allows users to purchase items and pay for them in interest-free installments. It offers items at standard market prices, making shopping more accessible.

Buy items on installmentZero interest paymentsMarket price for all items
๐Ÿ›๏ธ Shopping
(2.4K)
free
14
Mzad Qatar ู…ุฒุงุฏ ู‚ุทุฑ
Mzad Qatar ู…ุฒุงุฏ ู‚ุทุฑ
Mzad Qatar ู…ุฒุงุฏ ู‚ุทุฑ
Buy & sell all items in Qatar
Free

This is Qatar's leading online marketplace for buying, selling, and swapping items. Discover thousands of daily offers for new and pre-owned products, or participate in exciting online auctions. Connect directly with sellers and buyers for seamless transactions without any commission.

Buy and sell itemsOnline auctionsThousands of daily offers
๐Ÿ›๏ธ Shopping
(5.6K)
free
15
Klarna: Smarter everyday money
Klarna: Smarter everyday money
Klarna: Smarter everyday money
Shop anywhere, manage & save
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.

Flexible payment optionsInterest-free installmentsUp to 10% cashback
๐Ÿ’ฐ Finance
(2.3M)
free with in-app purchases
16
Livble - Split your rent
Livble - Split your rent
Livble - Split your rent
Pay rent on your own schedule
Free

This app allows users to pay their rent in flexible installments throughout the month. It offers a convenient way to manage rent payments on your own schedule.

Pay rent in installmentsFlexible payment schedulesManage rent payments
๐Ÿ’ฐ Finance
(2.2K)
free
17
Affirm: Buy now, pay over time
Affirm: Buy now, pay over time
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.

Pay over time online and in-storeFlexible payment optionsDiscover 0% APR deals
๐Ÿ›๏ธ Shopping
(1.7M)
free with in-app purchases
18
Tamara | Shop Now Pay Later
Tamara | Shop Now Pay Later
Tamara | Shop Now Pay Later
Pay in up to 24, No late fees
Free

This financial super-app offers flexible payment options, allowing you to shop now and pay later in installments or in full. Enjoy exclusive deals, cashback rewards, and buyer protection for a secure and seamless shopping experience.

Pay in installments or in fullSign up in minutesShop at thousands of partners
๐Ÿ’ฐ Finance
(59K)
free
19
Apple Wallet
Apple Wallet
Apple Wallet
Apple Pay, Apple Card and more
Free

Securely store and manage digital versions of your credit/debit cards, IDs, transit passes, tickets, and keys. Use it to make payments, send money, and access venues and transportation with your iPhone or Apple Watch.

Store credit/debit cardsDigital driver's license/state IDTransit and event tickets
๐Ÿ’ฐ Finance
(6.7M)
free
20
Papaya: Securely Pay Any Bill
Papaya: Securely Pay Any Bill
Papaya: Securely Pay Any Bill
Fast & Secure Bill Payments
Free

This app offers a streamlined and secure method for paying all your bills, eliminating the need for multiple logins or mailing checks. It utilizes advanced technology to process payments quickly and efficiently, supporting various payment methods for a wide range of bill types.

Pay any billFast paymentsSecure processing
๐Ÿ’ฐ Finance
(118K)
free