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(28K 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

Pay and manage your bills effortlessly with our app. Take a photo of your bill, select the amount, and we pay it for you. Save money, build credit history, and join over 500,000 users taking control of their bills today!

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

Discover a revolutionary all-in-one shopping platform connecting users to a wide range of products and services from various retailers. Shop, compare prices, and access exclusive deals all in one place. Join ZOOD Mall now for a seamless and convenient shopping experience!

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(26K ratings)
FreeAds
#58in 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

  • 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: 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.

๐Ÿ’ฐ Finance
(82K)
5
Afterpay: Pay over time
Afterpay: Pay over time
Afterpay: Pay over time
Shop Now. Split your payments.
Free

Shop fashion, beauty, and tech with the app that lets you buy now, pay later in four interest-free payments. Browse brands, products, discounts, and gift cards across various categories, manage orders, get price drop alerts, use in stores, and access customer support. Download now and enjoy the benefits of Afterpay!

๐Ÿ›๏ธ Shopping
(752K)
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!

๐Ÿ’ฐ Finance
(11K)
7
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!

๐Ÿ›๏ธ Shopping
(664)
8
PayPal - Send, Manage, Pay
PayPal - Send, Manage, Pay
PayPal - Send, Manage, Pay
Savings, cash back, pay later
Free

An all-in-one app for sending money, managing your account, earning cash back, and growing your savings with high-yield options. Easily send money for free, get cash back on purchases, and manage your finances all in one place. Check it out now for a simple and secure way to stay on top of your financial transactions!

๐Ÿ’ฐ Finance
(6.3M)
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

Experience instant cryptocurrency trading with a global platform, offering access to over 260 digital assets including BTC and ETH. Join 10 million users and start trading today.

๐Ÿ’ฐ Finance
(89K)
10
Four | Buy Now, Pay Later
Four | Buy Now, Pay Later
Four | Buy Now, Pay Later
Flexible Shopping & Payments
Free

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!

๐Ÿ›๏ธ Shopping
(109K)
11
Snap Finance
Snap Finance
Snap Finance
No credit? Shop now, pay later
Free

Snap Finance allows you to manage your lease-to-own agreement conveniently from your mobile device. Log in effortlessly with Face ID, access payment details, view transactions, make payments, and explore ownership options. If you're not a Snap customer, shop at partner stores with lease-to-own financing available up to $5,000. Download the app now for easy and flexible financial management.

๐Ÿ›๏ธ Shopping
(22K)
12
Monica - Pay, Send, Bills
Monica - Pay, Send, Bills
Monica - Pay, Send, Bills
Everything Money and Bills
Free

Monica.ng - An all-in-one app that simplifies bill management by organizing due dates, setting reminders, and tracking payment history. Never miss a payment again - stay organized and on top of your finances with Monica.ng.

๐Ÿ’ฐ Finance
(14K)
13
CDcare Pay Small Small App
CDcare Pay Small Small App
CDcare Pay Small Small App
CDcare E-commerce App.
Free

Shop for items and pay in interest-free installments at market price on CDcare Marketplace. Experience convenient shopping with financial flexibility. Find out more and start shopping today!

๐Ÿ›๏ธ Shopping
(2.3K)
14
Mzad Qatar ู…ุฒุงุฏ ู‚ุทุฑ
Mzad Qatar ู…ุฒุงุฏ ู‚ุทุฑ
Mzad Qatar ู…ุฒุงุฏ ู‚ุทุฑ
Buy & sell all items in Qatar
Free

An auction app in Qatar where users can buy and sell items easily. Join now to browse, bid, and list your items!

๐Ÿ›๏ธ Shopping
(5.6K)
15
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!

๐Ÿ’ฐ Finance
(2.2M)
16
Livble - Split your rent
Livble - Split your rent
Livble - Split your rent
Pay rent on your own schedule
Free

Split your rent easily with our app - pay your rent in flexible installments throughout the month. Take control of your rent payments with Livble today!

๐Ÿ’ฐ Finance
(1.9K)
17
Affirm: Buy now, pay over time
Affirm: Buy now, pay over time
Affirm: Buy now, pay over time
Flexible payments, big savings
Free

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.

๐Ÿ›๏ธ Shopping
(1.7M)
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

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!

๐Ÿ’ฐ Finance
(59K)
19
Apple Wallet
Apple Wallet
Apple Wallet
Apple Pay, Apple Card and more
Free

An app that consolidates important items like credit cards, IDs, tickets, and more on your iPhone, promoting easy and secure payments in stores or online using Apple Pay, offering features like Apple Pay Later and Apple Card for simplified transactions and management.

๐Ÿ’ฐ Finance
(6.7M)
20
Papaya: Securely Pay Any Bill
Papaya: Securely Pay Any Bill
Papaya: Securely Pay Any Bill
Fast & Secure Bill Payments
Free

A secure bill payment app that enables users to quickly and securely pay any bill with ease. Simplify your bill payments today!

๐Ÿ’ฐ Finance
(117K)