Best Pay In Four Apps

213+ iOS apps curated and reviewed

4.6 avg rating
20 free apps
Updated May 2026

Every iPhone needs a few good pay in four apps. We benchmark 213+ of them on App Store rating, freshness, and pricing, then surface the standouts so you don't have to scroll the App Store yourself.

Top Picks for Pay In Four

Four | Buy Now, Pay Later#1

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

Flexible Shopping & Payments
Editor's Choice
🛍️ Shopping
4.8😞(106K ratings)
Free
#60in Shopping
Four | Buy Now, Pay Later screenshot 1
Four | Buy Now, Pay Later screenshot 2
Four | Buy Now, Pay Later screenshot 3
Four | Buy Now, Pay Later screenshot 4
Four | Buy Now, Pay Later screenshot 5

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!

What We Love

  • 💳 Convenient payment option
  • 🛒 Wide variety of stores
  • 🤑 Affordable payment plans
  • 📈 Increasing spending limits

Room to Improve

  • 🤖 Poor customer service
  • ❌ Declined/canceled orders
  • 💰 Unauthorized charges
Sezzle: Buy Now, Pay Later#2

Sezzle: Buy Now, Pay Later by Sezzle Inc.

Shop & Pay in 4¹
Strong Contender
🛍️ Shopping
4.9😞(287K ratings)
FreeAds
#33in 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

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

Room to Improve

  • 🤖 Poor customer service
  • 🔒 Concerns about security and fraud
  • 🔄 Issues with rescheduling payments
Tamara | Shop Now Pay Later#3

Tamara | Shop Now Pay Later by Tamara FZE

Pay in up to 24, No late fees
Worth Considering
💰 Finance
4.7😞(59K ratings)
Free
Tamara | Shop Now Pay Later screenshot 1
Tamara | Shop Now Pay Later screenshot 2
Tamara | Shop Now Pay Later screenshot 3
Tamara | Shop Now Pay Later screenshot 4
Tamara | Shop Now Pay Later screenshot 5
Tamara | Shop Now Pay Later screenshot 6

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!

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

More Pay In Four apps to explore

4
Zip - Buy Now, Pay Later
Zip - Buy Now, Pay Later
Zip - Buy Now, Pay Later
Shop & Pay in 4¹
Free

Shop now and pay later with Zip! Enjoy the convenience of making purchases without upfront payments. Experience hassle-free shopping today.

🛍️ Shopping
(820K)
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!

🛍️ Shopping
(384)
6
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.

💰 Finance
(3K)
7
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.

🛍️ Shopping
(1.7M)
8
PayLater - Split in 4 payments
PayLater - Split in 4 payments
PayLater - Split in 4 payments
The Only Way to Split Pay
Free
💰 Finance
(253)
9
Katapult | Shop & Lease to Own
Katapult | Shop & Lease to Own
Katapult | Shop & Lease to Own
Browse, shop, lease, and own.
Free

Discover a revolutionary shopping companion that uses cutting-edge technology to enhance your shopping experience. Find personalized recommendations, exclusive deals, and seamless checkout options all in one place. Elevate your shopping with Katapult today!

💰 Finance
(26K)
10
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!

💰 Finance
(2.2M)
11
Deferit: Pay bills in 4
Deferit: Pay bills in 4
Deferit: Pay bills in 4
Save & build credit history
Free

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!

💰 Finance
(23K)
12
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!

💰 Finance
(8.4K)
13
PayPal - Pay, Send, Save
PayPal - Pay, Send, Save
PayPal - Pay, Send, Save
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!

💰 Finance
(6.3M)
14
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.

🛍️ Shopping
(22K)
15
Shop: All your favorite brands
Shop: All your favorite brands
Shop: All your favorite brands
Shopping app & package tracker
Free

Discover all your favorite brands in one place with our shopping app. From fashion to electronics, Shop has everything you need. Download now and start shopping!

🛍️ Shopping
(2.5K)
16
Acima: Lease Now & Buy Later
Acima: Lease Now & Buy Later
Acima: Lease Now & Buy Later
Easy Leasing & Payment Options
Free

Lease must-have merchandise up to $4,000 without credit or cash using Acima. Shop furniture, electronics, appliances, and more from thousands of stores. Manage your lease details, payments, and agreements conveniently with the app.

🛍️ Shopping
(24K)
17
ZOOD: Buy Now, Pay Later
ZOOD: Buy Now, Pay Later
ZOOD: Buy Now, Pay Later
Shop in up to 12 installments
Free

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!

🛍️ Shopping
(1.3K)
18
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!

🛍️ Shopping
(657)
19
Progressive Leasing
Progressive Leasing
Progressive Leasing
by Prog Leasing, LLC
Free

Access a mobile app that simplifies shopping with a lease-to-own purchase option, perfect for those with less-than-perfect credit. Shop at over 30,000 retail locations nationwide or from the comfort of your own home. Download the app today for an instant decision and get what you need now, with the ease of payment over time.

🛍️ Shopping
(34K)
20
Flex - Rent On Your Schedule
Flex - Rent On Your Schedule
Flex - Rent On Your Schedule
Pay rent on your own schedule
Free

An app that helps users pay their rent on a flexible schedule by splitting it into two payments, aiding in timely rent payments, cash flow management, and credit history improvement. Membership fee of $14.99/month plus 1% bill payment fee.

💰 Finance
(391K)