Best Pay In Installments Apps

209+ iOS apps curated and reviewed

4.7 avg rating
20 free apps
Updated June 2026

Out of 209+ pay in installments 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 Installments

Tamara | Shop Now Pay Later#1

Tamara | Shop Now Pay Later by Tamara FZE

Pay in up to 24, No late fees
Editor's Choice
πŸ’° 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

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
Four | Buy Now, Pay Later#2

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

Flexible Shopping & Payments
Strong Contender
πŸ›οΈ Shopping
4.8😞(109K ratings)
Free
#69in 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

Room to Improve

  • πŸ€– Poor customer service
  • ❌ Declined/canceled orders
  • πŸ’° Unauthorized charges
Afterpay: Pay over time#3

Afterpay: Pay over time by Afterpay Holdings Ltd

Shop Now. Split your payments.
Worth Considering
πŸ›οΈ Shopping
4.9😐(752K ratings)
FreeAds
#33in 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

Room to Improve

  • πŸ› App/website technical issues
  • πŸ”’ Security and privacy concerns
  • πŸ€– Lack of human customer support

More Pay In Installments apps to explore

4
Sezzle - Buy Now, Pay Later
Sezzle - Buy Now, Pay Later
Sezzle - Buy Now, Pay Later
Shop & Pay in 4ΒΉ
Free

This app allows you to buy now and pay later with interest-free installments over six weeks. Easily split purchases into four payments, manage your budget, and discover exclusive deals from thousands of retailers. Enjoy a seamless shopping experience with flexible rescheduling options and instant approval.

Buy now, pay laterPay in 4 interest-free installmentsNo interest or hidden fees
πŸ›οΈ Shopping
(290K)
free with in-app purchases
5
Zip - Buy Now, Pay Later
Zip - Buy Now, Pay Later
Zip - Buy Now, Pay Later
Shop & Pay in 4ΒΉ
Free

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.

Split payments into 4 or 8 installmentsBi-weekly payment scheduleVirtual and physical payment cards
πŸ›οΈ Shopping
(823K)
free with in-app purchases
6
Tabby: Pay over time
Tabby: Pay over time
Tabby: Pay over time
Pay in 4. No hidden fees
Free

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.

Split purchases into 4 monthly paymentsShop from top brands online and in-storeCompare prices and track deals
πŸ’° Finance
(82K)
free
7
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
πŸ›οΈ Shopping
(1.7M)
free with in-app purchases
8
Perpay - Shop and Build Credit
Perpay - Shop and Build Credit
Perpay - Shop and Build Credit
Shop, pay later, build credit
Free

Access up to $1,000 to shop for various goods and pay over time with no interest or fees. Build your credit history by reporting your payment activity to credit bureaus. Apply for a credit card with rewards and no annual fee.

Access up to $1,000 to spendShop top brands on marketplacePay over time with no interest/fees
πŸ’° Finance
(11K)
free with in-app purchases
9
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
πŸ’° Finance
(261)
free
10
Katapult | Shop & Lease to Own
Katapult | Shop & Lease to Own
Katapult | Shop & Lease to Own
Browse, shop, lease, and own.
Free

Shop now and pay over time with a lease-to-own option that doesn't require credit. Browse over 100 retailers, manage your leases, and make payments easily through the app. Take home essential items without paying upfront.

Lease-to-own purchasesNo credit requiredFlexible payment options
πŸ’° Finance
(27K)
free with in-app purchases
11
ZOOD: Buy Now, Pay Later
ZOOD: Buy Now, Pay Later
ZOOD: Buy Now, Pay Later
Shop in up to 12 installments
Free

Shop now and pay over time with flexible installment plans. Access a vast selection of products from trusted sellers and use a virtual card for seamless online purchases. Stay within your budget while getting what you need.

Buy now, pay laterUp to 12 installmentsFlexible payment plans
πŸ›οΈ Shopping
(1.3K)
free
12
Acima: Lease Now & Buy Later
Acima: Lease Now & Buy Later
Acima: Lease Now & Buy Later
Easy Leasing & Payment Options
Free

Lease the items you need without perfect credit. Get approved for up to $4,000 in merchandise like furniture, electronics, and appliances. Shop at thousands of stores or online and make easy payments.

Lease without perfect creditApproved for up to $4,000Shop at thousands of stores
πŸ›οΈ Shopping
(25K)
free
13
Klarna: Smarter everyday money
Klarna: Smarter everyday money
Klarna: Smarter everyday money
Shop anywhere, manage & save
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
πŸ’° Finance
(2.2M)
free with in-app purchases
14
Deferit: Pay bills in 4
Deferit: Pay bills in 4
Deferit: Pay bills in 4
Save & build credit history
Free

Manage your bills and budget with flexibility. This app allows you to pay almost any service bill in four smaller installments with no interest. It also helps you save money by negotiating better deals with providers and builds your credit history by reporting on-time payments.

Pay bills in 4 installmentsNegotiate lower bill ratesBuild credit history
πŸ’° Finance
(28K)
free with in-app purchases
15
FlexWallet
FlexWallet
FlexWallet
Shop In Store & Lease to Own
Free

Lease-to-own a variety of items like furniture, electronics, and appliances from your favorite retailers. Apply for a spending limit and receive a virtual card to make purchases, with flexible weekly payments.

Lease-to-own in-store and onlineApply for spending limit up to $2,500Virtual credit card for purchases
πŸ›οΈ Shopping
(2.7K)
free
16
Flex - Rent On Your Schedule
Flex - Rent On Your Schedule
Flex - Rent On Your Schedule
Pay rent on your own schedule
Free

This app allows renters to split their monthly rent into smaller, manageable payments. It facilitates on-time rent payments, helps build credit history, and offers a flexible repayment schedule.

Split rent into smaller paymentsPay rent on your own scheduleBuild credit history
πŸ’° Finance
(413K)
free with in-app purchases
17
Suave: Buy now, pay later.
Suave: Buy now, pay later.
Suave: Buy now, pay later.
Easy shopping.
Free

Shop for items you need and pay them off over time with flexible monthly payment plans. Get prequalified instantly, then use the app to manage your purchases and payments at your favorite stores.

Pay in 4, 6, or 12 monthly installmentsInstant prequalificationShop at favorite stores
πŸ›οΈ Shopping
(664)
free
18
Beem: Cash Advance & Banking
Beem: Cash Advance & Banking
Beem: Cash Advance & Banking
Bank, Budget & Build Credit
Free

This app offers instant cash advances up to $1,000 without interest or credit checks. It also automatically builds your credit with every purchase and provides AI-powered financial tools to optimize your money.

Instant cash advances up to $1,000Automatic credit building on every purchaseAI agents for job finding, deals, price comparison, and budgeting
πŸ’° Finance
(30K)
free with in-app purchases
19
Paytient
Paytient
Paytient
Feel better. Pay later.
Free

This app provides a sponsored line of credit for out-of-pocket healthcare expenses for your entire family. It allows you to pay for care over time with no interest or fees, covering copays, coinsurance, and bills received after treatment. Manage your account, track spending, and set flexible repayment plans easily.

Interest-free healthcare creditPay for care over timeNo fees or credit checks
πŸ₯ Medical
(3.5K)
free with in-app purchases
20
Airfordable
Airfordable
Airfordable
Installment plans for flights
Free

Book flights with flexible payment options. Pay a fraction of the cost upfront and spread the remaining balance across installments before your departure. Secure your airfare at a locked-in price and receive your e-ticket upon final payment.

Book flights with installment plansPay fraction of cost upfrontLock in airfare prices
✈️ Travel
(2.9K)
free with in-app purchases