Best Pay In Four Apps

248+ iOS apps curated and reviewed

4.7 avg rating
20 free apps
Updated September 2026

Every iPhone needs a few good pay in four apps. We benchmark 248+ of them on App Store rating, freshness, and pricing, then surface the standouts so you don't have to scroll the App Store yourself.

Compare top Pay In Four Apps (September 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Four | Buy Now, Pay LaterFour | Buy Now, Pay LaterFree4.8β˜… (121K)NoNoOct 2026
2Tamara | Own your DreamTamara | Own your DreamFree4.7β˜… (59K)NoNoOct 2026
3Afterpay: Pay over timeAfterpay: Pay over timeFree4.9β˜… (753K)NoNoOct 2026
4Sezzle: Buy Now, Pay LaterSezzle: Buy Now, Pay LaterFree4.9β˜… (304K)NoNoOct 2026
5Zip - Buy Now, Pay LaterZip - Buy Now, Pay LaterFree4.9β˜… (872K)NoNoOct 2026
6Katapult | Shop & Lease to OwnKatapult | Shop & Lease to OwnFree4.8β˜… (29K)NoNoOct 2026
7Affirm: Buy now, pay over timeAffirm: Buy now, pay over timeFree4.9β˜… (1.8M)NoNoOct 2026
8Perpay - Shop and Build CreditPerpay - Shop and Build CreditFree4.9β˜… (22K)NoNoOct 2026

Top Picks for Pay In Four

Four | Buy Now, Pay Later#1

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

Flexible Shopping & Payments
4.8😞(121K ratings)
Free
#48in 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 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.

What We Love

  • πŸ’³ Convenient payment option
  • πŸ›’ Wide variety of stores
  • πŸ€‘ Affordable payment plans
  • πŸ“ˆ Increasing spending limits
  • 🀩 Great app experience

Room to Improve

  • πŸ€– Poor customer service
  • ❌ Declined/canceled orders
  • πŸ’° Unauthorized charges
  • πŸ•°οΈ Slow refund processing
  • πŸ”’ Account/login issues
Tamara | Own your Dream#2

Tamara | Own your Dream by Tamara FZE

Pay in up to 24, No late fees
Strong Contender
πŸ’° 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

  • πŸ‘ Easy to use
  • πŸ’‘ Helpful payment splitting
  • πŸš€ Smooth and fast transactions
  • πŸ™ Excellent customer service

Room to Improve

  • πŸ› Unreliable payment processing
  • 🀬 Terrible customer support
  • ❌ Unauthorized charges
  • ⚠️ Limited availability in certain regions
Afterpay: Pay over time#3

Afterpay: Pay over time by Afterpay

Shop Now. Split your payments.
Worth Considering
πŸ›οΈ Shopping
4.9😐(753K ratings)
Free
#32in Shopping
Afterpay: Pay over time screenshot 1
Afterpay: Pay over time screenshot 2
Afterpay: Pay over time screenshot 3
Afterpay: Pay over time screenshot 4
Afterpay: Pay over time screenshot 5
Afterpay: Pay over time screenshot 6

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.

What We Love

  • πŸš€ Convenient payment plan
  • πŸ’³ No interest or hidden fees
  • 🀝 Good customer service (initially)
  • πŸ“ˆ Increasing credit limit with usage
  • πŸ›’ Wide range of participating stores
  • πŸ•°οΈ Flexible payment scheduling
  • πŸ’° Helps with budgeting and affordability

Room to Improve

  • πŸ› App/website technical issues
  • πŸ”’ Security and privacy concerns
  • πŸ€– Lack of human customer support
  • πŸ”½ Drastic credit limit reductions
  • 🚫 Accounts closed/banned for minor issues
  • πŸ’³ Incompatibility with certain payment methods
  • πŸ•°οΈ Automatic payments causing overdraft issues

More Pay In Four apps to explore

FAQ about Pay In Four

What are the best pay in four apps for iPhone?
Four | Buy Now, Pay Later tops our pay in four apps ranking as of September 2026, with a 4.8-star average from 121K App Store ratings, and it's free to download.
Yes β€” 20 of the top pay in four apps we rank are free to download, including Four | Buy Now, Pay Later and Tamara | Own your Dream.
Four | Buy Now, Pay Later has no ads and has no in-app purchases, according to its App Store listing as of September 2026.
We track 248+ pay in four apps on the iOS App Store as of September 2026, ranked by rating, recency, and analysis of real user reviews.

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