Best Pay Later Buynow Apps

224+ iOS apps curated and reviewed

4.5 avg rating
20 free apps
Updated May 2026

Whether you're new to pay later buynow or looking for an upgrade, our curated collection of 224+ 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 (May 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Zip - Buy Now, Pay LaterZip - Buy Now, Pay LaterFree4.9★ (831K)YesNoJul 2026
2Sezzle: Buy Now, Pay LaterSezzle: Buy Now, Pay LaterFree4.9★ (292K)YesNoJul 2026
3Afterpay: Pay over timeAfterpay: Pay over timeFree4.9★ (752K)YesNoJul 2026
4Affirm: Buy now, pay over timeAffirm: Buy now, pay over timeFree4.9★ (1.7M)YesNoJul 2026
5Perpay - Shop and Build CreditPerpay - Shop and Build CreditFree4.9★ (11K)YesNoJul 2026
6PayPal - Pay, Send, SavePayPal - Pay, Send, SaveFree4.8★ (6.3M)YesNoJul 2026
7DailyPay On-Demand PayDailyPay On-Demand PayFree4.8★ (468K)YesNoJul 2026
8Four | Buy Now, Pay LaterFour | Buy Now, Pay LaterFree4.8★ (109K)NoNoJul 2026

Top Picks for Pay Later Buynow

Zip - Buy Now, Pay Later#1

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

Shop & Pay in 4¹
Editor's Choice
🛍️ Shopping
4.9😊(831K ratings)
FreeAds
#59in 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
Sezzle: Buy Now, Pay Later#2

Sezzle: Buy Now, Pay Later by Sezzle Inc.

Shop & Pay in 4¹
Strong Contender
🛍️ Shopping
4.9😞(292K ratings)
FreeAds
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

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.

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
Afterpay: Pay over time#3

Afterpay: Pay over time by Afterpay Holdings Ltd

Shop Now. Split your payments.
Worth Considering
🛍️ Shopping
4.9😐(752K ratings)
FreeAds
#35in 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

  • 🚀 Convenient payment plan
  • 💳 No interest or hidden fees
  • 🤝 Good customer service (initially)
  • 📈 Increasing credit limit with usage

Room to Improve

  • 🐛 App/website technical issues
  • 🔒 Security and privacy concerns
  • 🤖 Lack of human customer support

More Pay Later Buynow apps to explore

4
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
5
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
💰 Finance
(11K)
free with in-app purchases
6
PayPal - Pay, Send, Save
PayPal - Pay, Send, Save
PayPal - Pay, Send, Save
Savings, cash back, pay later
Free

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.

Send and receive money globallyEarn cash back offersRequest a debit card
💰 Finance
(6.3M)
free with in-app purchases
7
DailyPay On-Demand Pay
DailyPay On-Demand Pay
DailyPay On-Demand Pay
Your money, when you need it!
Free

Access your earned wages instantly, monitor your credit score, and build savings with automated tools. This app also offers curated deals and cash back on everyday purchases, all while providing 24/7 customer support.

Instant access to earned payReal-time earnings trackingFree credit score monitoring
💰 Finance
(468K)
free with in-app purchases
8
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
(109K)
freemium
9
Tabby: Send, spend and save
Tabby: Send, spend and save
Tabby: Send, spend and save
Take power over money
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
💰 Finance
(83K)
free
10
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
🛍️ Shopping
(692)
free
11
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
💰 Finance
(27K)
free with in-app purchases
12
Tamara | Shop Now Pay Later
Tamara | Shop Now Pay Later
Tamara | Shop Now Pay Later
Pay in up to 24, No late fees
Free

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.

Pay in installments or in fullSign up in minutesShop at thousands of partners
💰 Finance
(59K)
free
13
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
🛍️ Shopping
(1.3K)
free
14
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
15
Odiopay - Buy now pay later
Odiopay - Buy now pay later
Odiopay - Buy now pay later
The most convenient way to pay
Free

This app offers a flexible way to shop now and pay later through manageable installments. It provides secure transactions, customizable repayment plans, and helps users build their credit score. Enjoy exclusive offers and a user-friendly interface for a seamless shopping experience.

Buy Now, Pay Later installmentsSecure and encrypted transactionsFlexible repayment plans
🌟 Lifestyle
(6)
free
16
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
(266)
free
17
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
🛍️ Shopping
(25K)
free
18
CirclePay - Buy Now Pay Later
CirclePay - Buy Now Pay Later
CirclePay - Buy Now Pay Later
by Circle Explorer PVT LTD
Free
💰 Finance
(0)
19
Rain Instant Pay
Rain Instant Pay
Rain Instant Pay
Unlock your employer benefits!
Free

Access your earned wages and employer benefits instantly, anytime. Track your earnings, gain financial insights, and utilize a full suite of financial tools. Manage your money on your terms with secure, on-demand access.

Instant access to earned wagesTrack earnings in real-timeFinancial coaching and education
💼 Business
(40K)
free
20
Get Paid Early: Cash Advance
Get Paid Early: Cash Advance
Get Paid Early: Cash Advance
Early paycheck. Instant money
Free

Access your earned wages before payday without loans, interest, or hidden fees. Get instant cash transfers to your bank or debit card 24/7. Build better financial health and manage your pay flexibly.

Access pay in real-timeNo loans, interest, or hidden feesInstant cash transfers
💰 Finance
(5.9K)
free

FAQ about Pay Later Buynow

What are the best pay later buynow apps for iPhone?
Zip - Buy Now, Pay Later tops our pay later buynow apps ranking as of May 2026, with a 4.9-star average from 831K 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 Zip - Buy Now, Pay Later and Sezzle: Buy Now, Pay Later.
Zip - Buy Now, Pay Later shows ads and has no in-app purchases, according to its App Store listing as of May 2026.
We track 224+ pay later buynow apps on the iOS App Store as of May 2026, ranked by rating, recency, and analysis of real user reviews.
Zip is a service that allows you to split your purchases into multiple installments, typically 4 or 8, with payments due every two weeks. It aims to provide a flexible way to manage your spending both online and in physical stores.
You can use Zip to pay over time by splitting your order into installments. You can create a virtual card within the app for easy checkout or get a physical Zip Card. Payments are automatically scheduled every two weeks.