Best Pay Later Buynow Apps

249+ iOS apps curated and reviewed

4.6 avg rating
20 free apps
Updated September 2026

Whether you're new to pay later buynow or looking for an upgrade, our curated collection of 249+ iOS apps has something for everyone. Each app is reviewed and rated by real users, helping you make an informed decision.

Compare top Pay Later Buynow Apps (September 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Four | Buy Now, Pay LaterFour | Buy Now, Pay LaterFree4.8★ (117K)NoNoSep 2026
2Klarna: Smarter everyday moneyKlarna: Smarter everyday moneyFree4.9★ (2.4M)YesNoSep 2026
3PayPal - Pay, Send, SavePayPal - Pay, Send, SaveFree4.8★ (6.3M)YesNoSep 2026
4Affirm: Buy now, pay over timeAffirm: Buy now, pay over timeFree4.9★ (1.7M)NoNoSep 2026
5Tamara | Own your DreamTamara | Own your DreamFree4.7★ (59K)NoNoSep 2026
6Zip - Buy Now, Pay LaterZip - Buy Now, Pay LaterFree4.9★ (866K)NoNoSep 2026
7PayLater: Split Your PaymentsPayLater: Split Your PaymentsFree3.5★ (298)NoNoSep 2026
8Afterpay: Pay over timeAfterpay: Pay over timeFree4.9★ (753K)NoNoSep 2026

Top Picks for Pay Later Buynow

Four | Buy Now, Pay Later#1

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

Flexible Shopping & Payments
Editor's Choice
🛍️ Shopping
4.8😞(117K ratings)
Free
#53in 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

  • 💳 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
Klarna: Smarter everyday money#2

Klarna: Smarter everyday money by Klarna Bank AB

Cashback, payments, savings
Strong Contender
💰 Finance
4.9😞(2.4M ratings)
FreeAds
#11in Finance
Klarna: Smarter everyday money screenshot 1
Klarna: Smarter everyday money screenshot 2
Klarna: Smarter everyday money screenshot 3
Klarna: Smarter everyday money screenshot 4
Klarna: Smarter everyday money screenshot 5
Klarna: Smarter everyday money screenshot 6

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.

What We Love

  • 💳 Easy payment process
  • 📦 Wide range of stores
  • 🕰️ Flexible payment plans
  • 🔍 Convenient for large purchases

Room to Improve

  • 🚫 Inconsistent approval process
  • ⚠️ Lack of Apple Wallet integration
  • 🤖 Automated decision-making issues
  • 🕰️ Slow/delayed refund processing
  • 🤯 Poor customer service
PayPal - Pay, Send, Save#3

PayPal - Pay, Send, Save by PayPal, Inc.

Debit card, rewards, pay later
Worth Considering
💰 Finance
4.8😐(6.3M ratings)
FreeAds
#6in Finance
PayPal - Pay, Send, Save screenshot 1
PayPal - Pay, Send, Save screenshot 2
PayPal - Pay, Send, Save screenshot 3
PayPal - Pay, Send, Save screenshot 4
PayPal - Pay, Send, Save screenshot 5
PayPal - Pay, Send, Save screenshot 6

Manage your finances with a secure app for online and in-store shopping, sending money globally, and earning cash back. It also offers savings accounts, cryptocurrency trading, and package tracking.

What We Love

  • 🚀 Extremely effective and reliable crypto recovery service
  • 🔒 Secure payment processing
  • 💰 Convenient way to send and receive money
  • 👍 Easy to use app with simple interface

Room to Improve

  • 🐛 Inconsistent customer support responses
  • 🕰️ Slow money transfer times
  • 💳 Holds on funds for new accounts
  • 🤖 Overly automated with lack of human interaction

More Pay Later Buynow apps to explore

FAQ about Pay Later Buynow

What are the best pay later buynow apps for iPhone?
Four | Buy Now, Pay Later tops our pay later buynow apps ranking as of September 2026, with a 4.8-star average from 117K App Store ratings, and it's free to download.
Yes — 20 of the top pay later buynow apps we rank are free to download, including Four | Buy Now, Pay Later and Klarna: Smarter everyday money.
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 249+ pay later buynow apps on the iOS App Store as of September 2026, ranked by rating, recency, and analysis of real user reviews.
This app allows you to shop at hundreds of online retailers and split your purchases into four equal payments. The payments are scheduled to be paid every two weeks, making it easier to manage your spending and stay on budget while shopping online.
When you choose to pay with Four at a partner retailer, your purchase is split into four payments. The first payment is made at the time of purchase, and the remaining three payments are automatically charged every two weeks. This provides a clear and predictable payment schedule.