Best Pay In 4 Buy Apps

245+ iOS apps curated and reviewed

4.7 avg rating
20 free apps
Updated October 2026

Out of 245+ 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.

Compare top Pay In 4 Buy Apps (October 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Deferit: Pay bills in 4Deferit: Pay bills in 4Free4.8★ (37K)YesNoNov 2026
2Sezzle: Buy Now, Pay LaterSezzle: Buy Now, Pay LaterFree4.9★ (309K)NoNoNov 2026
3Four | Buy Now, Pay LaterFour | Buy Now, Pay LaterFree4.8★ (125K)NoNoNov 2026
4Zip - Buy Now, Pay LaterZip - Buy Now, Pay LaterFree4.9★ (884K)NoNoNov 2026
5ZOOD: Buy Now, Pay LaterZOOD: Buy Now, Pay LaterFree4.4★ (1.3K)NoNoOct 2026
6Tamara | Own your DreamTamara | Own your DreamFree4.7★ (59K)NoNoNov 2026
7CirclePay - Buy Now Pay LaterCirclePay - Buy Now Pay LaterFree3.0★ (2)NoNoOct 2026
8Taqqsit – Buy Now Pay LaterTaqqsit – Buy Now Pay LaterFree—NoNoNov 2026

Top Picks for Pay In 4 Buy

Deferit: Pay bills in 4#1

Deferit: Pay bills in 4 by deferit Pty Ltd

Take control of your bills
Editor's Choice
💰 Finance
4.8😊(37K ratings)
FreeAds
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Manage your bills and budget with flexibility. Upload any service bill and pay it in four smaller, manageable installments. The app also helps negotiate your bills and can report eligible on-time payments to credit bureaus to build your credit history.

What We Love

  • 💳 Helpful for paying bills in installments
  • ⏱️ Fast bill payment processing
  • 📆 Ability to change payment due dates
  • 🤝 Friendly and responsive customer service
  • 🧭 Convenient all-in-one bill management
  • 🆙 Increasing credit limits over time

Room to Improve

  • 🕰️ Delayed bill payments due to high volume
  • 🤖 Lack of phone/live chat support
  • 💰 Subscription fees and processing fees
  • 🚫 Issues with canceling or stopping payments
  • 🤔 Unclear payment methods (online vs. check)
Sezzle: Buy Now, Pay Later#2

Sezzle: Buy Now, Pay Later by Sezzle

Pay Over Time & Earn Rewards
Strong Contender
🛍️ Shopping
4.9😞(309K ratings)
Free
#48in Shopping
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Shop now and pay later with flexible, interest-free installment plans. Build credit, earn rewards, and access cash advances and mobile plans all in one app.

What We Love

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

Room to Improve

  • 🤖 Poor customer service
  • 🔒 Concerns about security and fraud
  • 🔄 Issues with rescheduling payments
  • 💰 Unexpected fees and charges
  • 🔒 Restricted access to 'premium' stores
  • ⬇️ Decreased spending limits without explanation
Four | Buy Now, Pay Later#3

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

Flexible Shopping & Payments
Worth Considering
🛍️ Shopping
4.8😞(125K ratings)
Free
#33in Shopping
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This shopping app allows you to buy now and pay later at hundreds of online retailers. Split purchases into four easy payments, managed within a single app for a smoother checkout experience. Upgrade for exclusive access and offers.

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 In 4 Buy apps to explore

FAQ about Pay In 4 Buy

What are the best pay in 4 buy apps for iPhone?
Deferit: Pay bills in 4 tops our pay in 4 buy apps ranking as of October 2026, with a 4.8-star average from 37K App Store ratings, and it's free to download.
Yes — 20 of the top pay in 4 buy apps we rank are free to download, including Deferit: Pay bills in 4 and Sezzle: Buy Now, Pay Later.
Deferit: Pay bills in 4 shows ads and has no in-app purchases, according to its App Store listing as of October 2026.
We track 245+ pay in 4 buy apps on the iOS App Store as of October 2026, ranked by rating, recency, and analysis of real user reviews.