Best Pay In 4 In Store Apps

250+ iOS apps curated and reviewed

4.5 avg rating
20 free apps
Updated August 2026

With an average user rating of 4.5★, the pay in 4 in store category is one of the App Store's strongest. Browse all 250+ apps we track, sorted so the most loved ones surface first.

Compare top Pay In 4 In Store Apps (August 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Tamara | Own your DreamTamara | Own your DreamFree4.7★ (59K)NoNoAug 2026
2Zip - Buy Now, Pay LaterZip - Buy Now, Pay LaterFree4.9★ (853K)NoNoAug 2026
3Tabby: Send, spend and saveTabby: Send, spend and saveFree4.8★ (84K)NoNoAug 2026
4Shop: Track, Pay, DiscoverShop: Track, Pay, DiscoverFree4.8★ (7.1M)NoNoAug 2026
5PayLater - Split in 4 paymentsPayLater - Split in 4 paymentsFree3.5★ (271)NoNoAug 2026
6Four | Buy Now, Pay LaterFour | Buy Now, Pay LaterFree4.8★ (112K)NoNoAug 2026
7Afterpay: Pay over timeAfterpay: Pay over timeFree4.9★ (752K)NoNoAug 2026
8Affirm: Buy now, pay over timeAffirm: Buy now, pay over timeFree4.9★ (1.7M)NoNoAug 2026

Top Picks for Pay In 4 In Store

Tamara | Own your Dream#1

Tamara | Own your Dream by Tamara FZE

Pay in up to 24, No late fees
Editor's Choice
💰 Finance
4.7😞(59K ratings)
Free
Tamara | Own your Dream screenshot 1
Tamara | Own your Dream screenshot 2
Tamara | Own your Dream screenshot 3
Tamara | Own your Dream screenshot 4

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.

What We Love

  • 👍 Easy to use
  • 💡 Helpful payment splitting
  • 🚀 Smooth and fast transactions
  • 🙏 Excellent customer service

Room to Improve

  • 🐛 Unreliable payment processing
  • 🤬 Terrible customer support
  • ❌ Unauthorized charges
Zip - Buy Now, Pay Later#2

Zip - Buy Now, Pay Later by Zip Co US, Inc.

Shop Now & Pay Over Time
Strong Contender
🛍️ Shopping
4.9😊(853K ratings)
Free
#48in Shopping
Zip - Buy Now, Pay Later screenshot 1
Zip - Buy Now, Pay Later screenshot 2
Zip - Buy Now, Pay Later screenshot 3
Zip - Buy Now, Pay Later screenshot 4
Zip - Buy Now, Pay Later screenshot 5
Zip - Buy Now, Pay Later screenshot 6

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.

What We Love

  • 💳 Convenient payment option
  • 🤑 Affordable payment plans
  • ⏰ Flexible payment schedules
  • 🤝 Helpful customer service

Room to Improve

  • 🐛 Unreliable app performance
  • 🤔 Unclear refund/return policies
  • 🤷‍♀️ Inconsistent customer support
Tabby: Send, spend and save#3

Tabby: Send, spend and save by Tabby FZ LLC

Take power over money
Worth Considering
💰 Finance
4.8😞(84K ratings)
Free
Tabby: Send, spend and save screenshot 1
Tabby: Send, spend and save screenshot 2
Tabby: Send, spend and save screenshot 3
Tabby: Send, spend and save screenshot 4
Tabby: Send, spend and save screenshot 5
Tabby: Send, spend and save screenshot 6

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.

What We Love

  • 💡 Convenient installment payments
  • 👍 Easy to use app
  • 🚀 Smooth and efficient service
  • 🤑 Helps manage budget and afford purchases

Room to Improve

  • 🐛 Unclear purchasing power and lack of transparency
  • 🤷‍♀️ Uninformed and unhelpful customer support
  • 🚫 Risk of permanent ban for failed purchases

More Pay In 4 In Store apps to explore

4
Shop: Track, Pay, Discover
Shop: Track, Pay, Discover
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.

Shop favorite brands and local storesPrice drop and restock alertsSave and organize items into collections
🛍️ Shopping
(7.1M)
ad-supported
5
PayLater - Split in 4 payments
PayLater - Split in 4 payments
PayLater - Split in 4 payments
The Only Way to Split Pay
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.

Split payments into 4 installmentsFast and easy onboardingSecure PCI DSS-compliant transactions
💰 Finance
(271)
free
6
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
🛍️ Shopping
(112K)
freemium
7
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
🛍️ Shopping
(752K)
free with in-app purchases
8
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
🛍️ Shopping
(1.7M)
free with in-app purchases
9
Klarna: Smarter everyday money
Klarna: Smarter everyday money
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.

Flexible payment optionsInterest-free installmentsUp to 10% cashback
💰 Finance
(2.3M)
free with in-app purchases
10
BuyWithEase
BuyWithEase
BuyWithEase
Shop Now, Pay Later
Free

This platform allows instant shopping with flexible installment payment options. It also facilitates applications for various services like rent, school fees, and medical bills, offering a secure and convenient e-commerce experience.

Buy Now, Pay Later (BNPL)Flexible installment plansFast approval process
🛍️ Shopping
(1)
free
11
Store - Bigstak
Store - Bigstak
Store - Bigstak
by ABIOLA LUKMAN ASIMIYU
Free

This app offers a convenient way to shop for a wide variety of products, from daily necessities to premium goods. Users can browse, order instantly, and receive items with real-time delivery tracking. It features secure payments, easy returns, and round-the-clock customer support for a hassle-free experience.

Wide product selectionInstant orderingReal-time delivery tracking
💼 Business
(1)
free
12
Steve's General Store
Steve's General Store
Steve's General Store
Making Loyalty Mobile
Free
💼 Business
(0)
13
Flash Pay MP Plus
Flash Pay MP Plus
Flash Pay MP Plus
by FLASH PAY COMPANY LIMITED
Free
💼 Business
(0)
14
Walmart: Shopping & Savings
Walmart: Shopping & Savings
Walmart: Shopping & Savings
Groceries & essentials, fast.
Free

Shop for groceries, essentials, and more with convenient pickup, delivery, and shipping options. Features an AI assistant for shopping help, real-time order tracking, and in-store tools like store maps and price scanning.

AI shopping assistantPickup and delivery optionsFast two-day shipping
🛍️ Shopping
(18M)
free with in-app purchases
15
Daman Pay
Daman Pay
Daman Pay
by DAMAN BANK
Free
💰 Finance
(0)
16
USVI Pay
USVI Pay
USVI Pay
by ALLIED COMMERICAL FINANCIAL
Free
💼 Business
(0)
17
Cantaloupe Pay
Cantaloupe Pay
Cantaloupe Pay
by Cantaloupe Systems
Free
🛍️ Shopping
(0)
18
iNext Authorised Store
iNext Authorised Store
iNext Authorised Store
Official app
Free
🛍️ Shopping
(0)
19
EzyCarto POS
EzyCarto POS
EzyCarto POS
by Nimbloom Ltd
Free
💼 Business
(0)
20
Mylobbymart
Mylobbymart
Mylobbymart
Shop Seamlessly at Mylobbymart
Free
🛍️ Shopping
(0)

FAQ about Pay In 4 In Store

What are the best pay in 4 in store apps for iPhone?
Tamara | Own your Dream tops our pay in 4 in store apps ranking as of August 2026, with a 4.7-star average from 59K App Store ratings, and it's free to download.
Yes — 20 of the top pay in 4 in store apps we rank are free to download, including Tamara | Own your Dream and Zip - Buy Now, Pay Later.
Tamara | Own your Dream has no ads and has no in-app purchases, according to its App Store listing as of August 2026.
We track 250+ pay in 4 in store apps on the iOS App Store as of August 2026, ranked by rating, recency, and analysis of real user reviews.
Tamara is a financial super-app that provides users with flexible payment options for their purchases. It allows you to shop now and pay later, either by splitting your payment into installments or paying in full. The app aims to give users more control over their finances and their shopping experience.
You can choose to pay for your purchases in installments, with options to split payments into 4 or more. This feature is available at thousands of partner stores, both online and in-store. The app emphasizes no late fees, ever, making it a predictable way to manage your spending.