Best Pay Now Apps

234+ iOS apps curated and reviewed

4.7 avg rating
20 free apps
Updated July 2026

From beginner-friendly picks to power-user tools, our pay now list covers 234+ iPhone apps updated through July 2026. Compare ratings, prices, and screenshots in one place.

Compare top Pay Now Apps (July 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1DailyPay On-Demand PayDailyPay On-Demand PayFree4.8★ (470K)NoNoAug 2026
2Afterpay: Pay over timeAfterpay: Pay over timeFree4.9★ (752K)NoNoAug 2026
3Affirm: Buy now, pay over timeAffirm: Buy now, pay over timeFree4.9★ (1.7M)NoNoAug 2026
4PayNow by FawriPayNow by FawriFree3.7★ (3)NoNoJul 2026
5PayNow for StripePayNow for StripeFree4.4★ (49)NoNoJul 2026
6Four | Buy Now, Pay LaterFour | Buy Now, Pay LaterFree4.8★ (112K)NoNoAug 2026
7Zip - Buy Now, Pay LaterZip - Buy Now, Pay LaterFree4.9★ (846K)NoNoAug 2026
8Klarna: Smarter everyday moneyKlarna: Smarter everyday moneyFree4.9★ (2.3M)YesNoAug 2026

Top Picks for Pay Now

DailyPay On-Demand Pay#1

DailyPay On-Demand Pay by Daily Pay Inc.

Your money, when you need it!
Editor's Choice
💰 Finance
4.8😞(470K ratings)
Free
#64in Finance
DailyPay On-Demand Pay screenshot 1
DailyPay On-Demand Pay screenshot 2
DailyPay On-Demand Pay screenshot 3
DailyPay On-Demand Pay screenshot 4
DailyPay On-Demand Pay screenshot 5
DailyPay On-Demand Pay screenshot 6

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.

What We Love

  • 🚀 Convenient access to paycheck
  • 💡 Helpful for emergencies and budgeting
  • 👍 Decent customer service in some cases

Room to Improve

  • 🐛 Inconsistent balance updates
  • 💰 Excessive fees for instant transfers
  • 🔒 Concerns about account security and access
Afterpay: Pay over time#2

Afterpay: Pay over time by Afterpay

Shop Now. Split your payments.
Strong Contender
🛍️ Shopping
4.9😐(752K ratings)
Free
#30in 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
Affirm: Buy now, pay over time#3

Affirm: Buy now, pay over time by Affirm, Inc.

Flexible payments, big savings
Worth Considering
🛍️ Shopping
4.9😞(1.7M ratings)
Free
#17in Shopping
Affirm: Buy now, pay over time screenshot 1
Affirm: Buy now, pay over time screenshot 2
Affirm: Buy now, pay over time screenshot 3
Affirm: Buy now, pay over time screenshot 4
Affirm: Buy now, pay over time screenshot 5
Affirm: Buy now, pay over time screenshot 6

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.

What We Love

  • 🙏 Helpful in tough times
  • 💳 Convenient financing option
  • 📈 Improved credit score

Room to Improve

  • 🤔 Confusing payment process
  • 🔒 Security and privacy concerns
  • 🔍 Difficulty verifying identity

More Pay Now apps to explore

4
PayNow by Fawri
PayNow by Fawri
PayNow by Fawri
Libyan PayNow Digital Payments
Free

A digital e-wallet platform for managing various transactions in Libya, including utilities, taxi fares, QR code payments, and government fees. It offers a user-friendly interface for convenient, cashless payments with a focus on security and privacy.

Utility bill paymentsTaxi fare paymentsQR code payments
💰 Finance
(3)
free
5
PayNow for Stripe
PayNow for Stripe
PayNow for Stripe
by PayNow Pty Ltd
Free

Accept card payments quickly and easily on your iPhone. This minimalist point-of-sale app supports major debit and credit cards in over 135 currencies, with no extra hardware needed. It offers a secure and intuitive interface for processing transactions.

Accept major debit and credit cards135+ currency supportTap to Pay payments
💼 Business
(49)
free with in-app purchases
6
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
(112K)
freemium
7
Zip - Buy Now, Pay Later
Zip - Buy Now, Pay Later
Zip - Buy Now, Pay Later
Shop Now & Pay Over Time
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
🛍️ Shopping
(846K)
free with in-app purchases
8
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
9
Sezzle: Buy Now, Pay Later
Sezzle: Buy Now, Pay Later
Sezzle: Buy Now, Pay Later
Pay in 4 & Earn Rewards
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
🛍️ Shopping
(296K)
free with in-app purchases
10
QuickBill SG: PayNow QR Maker
QuickBill SG: PayNow QR Maker
QuickBill SG: PayNow QR Maker
Invoice Generator & PDF Export
Free
📊 Productivity
(0)
11
Klover - Instant Cash Advance
Klover - Instant Cash Advance
Klover - Instant Cash Advance
Up to $750 Before Payday
Free

Access cash advances up to $750 before your next payday without credit checks, late fees, or interest. Earn points for surveys and ads to increase your advance amount. Utilize budgeting tools and track your credit score.

Cash advances up to $750No credit checks, late fees, or interestEarn points for surveys and ads
💰 Finance
(364K)
free with in-app purchases
12
EarnIn: Beyond Cash Advance
EarnIn: Beyond Cash Advance
EarnIn: Beyond Cash Advance
Get Paid Fast, Early Payday
Free

Access funds you've already earned before payday with this app. It offers same-day pay, overdraft protection, credit monitoring, and savings tools. Get up to $150 daily with optional expedited transfers for a small fee.

Access up to $150 per dayGet paycheck up to 2 days earlyOverdraft alerts and custom transfers
💰 Finance
(444K)
free with in-app purchases
13
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
14
DBS PayLah!
DBS PayLah!
DBS PayLah!
Your Ultimate Everyday App
Free

This all-in-one mobile payment app simplifies everyday transactions. Pay for rides, food, tickets, and bills with ease. Discover exclusive deals and rewards, and manage your finances conveniently.

Scan to pay with multiple QR codesTransfer funds via PayNowSplit bills with friends
💰 Finance
(1.2K)
free with in-app purchases
15
Tamara | Own your Dream
Tamara | Own your Dream
Tamara | Own your Dream
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
16
FloatMe: Fast Cash Advance App
FloatMe: Fast Cash Advance App
FloatMe: Fast Cash Advance App
Support When You Need Money
Free

Access quick cash advances to cover bills and expenses between paychecks. This app offers money management tools, low balance alerts, and a marketplace for earning opportunities. Securely connect your bank account for seamless transactions.

Cash advances up to $50No credit checks or interestCash flow calendar
💰 Finance
(149K)
subscription
17
PayPal - Pay, Send, Save
PayPal - Pay, Send, Save
PayPal - Pay, Send, Save
Debit card, savings, 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
18
Payactiv
Payactiv
Payactiv
On-demand pay and beyond
Free

Access your earned wages before payday, pay bills on time, and manage unexpected expenses with user-friendly digital tools. This app helps you achieve financial stability and reach your financial wellness goals without predatory loans or interest.

Early access to wagesGovernment payment early accessSpending and saving tools
💰 Finance
(78K)
free
19
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
(84K)
free
20
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

FAQ about Pay Now

What are the best pay now apps for iPhone?
DailyPay On-Demand Pay tops our pay now apps ranking as of July 2026, with a 4.8-star average from 470K App Store ratings, and it's free to download.
Yes — 20 of the top pay now apps we rank are free to download, including DailyPay On-Demand Pay and Afterpay: Pay over time.
DailyPay On-Demand Pay has no ads and has no in-app purchases, according to its App Store listing as of July 2026.
We track 234+ pay now apps on the iOS App Store as of July 2026, ranked by rating, recency, and analysis of real user reviews.
DailyPay provides access to your earned wages before your payday, offers tools to monitor your credit score, build savings automatically, and unlock cash back rewards on purchases. It aims to give users more control over their financial future.
You can get your hard-earned money as soon as your shift ends through an instant transfer option. This feature is available if your employer participates in DailyPay, and fees may be waived for transfers to a DailyPay Card set up with direct deposit.

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