Best Pay Now Pay Later Apps

250+ iOS apps curated and reviewed

4.7 avg rating
20 free apps
Updated October 2026

Looking for free pay now pay later apps? 20 of our 250+ tracked titles are free to download — no subscription, no trial. The rest are premium picks worth paying for.

Compare top Pay Now Pay Later Apps (October 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Afterpay: Pay over timeAfterpay: Pay over timeFree4.9★ (753K)NoNoNov 2026
2Zip - Buy Now, Pay LaterZip - Buy Now, Pay LaterFree4.9★ (882K)NoNoNov 2026
3Sezzle: Buy Now, Pay LaterSezzle: Buy Now, Pay LaterFree4.9★ (308K)NoNoNov 2026
4Affirm: Buy now, pay over timeAffirm: Buy now, pay over timeFree4.9★ (1.9M)NoNoNov 2026
5Klarna: Smarter everyday moneyKlarna: Smarter everyday moneyFree4.9★ (2.5M)YesNoNov 2026
6Four | Buy Now, Pay LaterFour | Buy Now, Pay LaterFree4.8★ (124K)NoNoNov 2026
7Perpay - Shop and Build CreditPerpay - Shop and Build CreditFree4.9★ (25K)NoNoNov 2026
8Tamara | Own your DreamTamara | Own your DreamFree4.7★ (59K)NoNoNov 2026

Top Picks for Pay Now Pay Later

Afterpay: Pay over time#1

Afterpay: Pay over time by Afterpay

Shop Now. Split your payments.
Editor's Choice
🛍️ Shopping
4.9😐(753K ratings)
Free
#40in Shopping
Afterpay: Pay over time screenshot 1
Afterpay: Pay over time screenshot 2
Afterpay: Pay over time screenshot 3
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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
  • 🛒 Wide range of participating stores
  • 🕰️ Flexible payment scheduling
  • 💰 Helps with budgeting and affordability

Room to Improve

  • 🐛 App/website technical issues
  • 🔒 Security and privacy concerns
  • 🤖 Lack of human customer support
  • 🔽 Drastic credit limit reductions
  • 🚫 Accounts closed/banned for minor issues
  • 💳 Incompatibility with certain payment methods
  • 🕰️ Automatic payments causing overdraft issues
Zip - Buy Now, Pay Later#2

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

Shop Now & Pay Over Time
Strong Contender
💰 Finance
4.9😊(882K ratings)
Free
#47in Finance
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
  • 🆙 Increasing credit limits
  • 🏪 Wide range of merchant partners

Room to Improve

  • 🐛 Unreliable app performance
  • 🤔 Unclear refund/return policies
  • 🤷‍♀️ Inconsistent customer support
  • 🔒 Security/account issues
  • 💰 Unexpected fees/charges
Sezzle: Buy Now, Pay Later#3

Sezzle: Buy Now, Pay Later by Sezzle

Pay Over Time & Earn Rewards
Worth Considering
🛍️ Shopping
4.9😞(308K ratings)
Free
#56in Shopping
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
Sezzle: Buy Now, Pay Later screenshot 6

This app offers flexible payment options for purchases, allowing users to split costs into interest-free installments. It also provides rewards, opportunities to build credit history, cash advances, and a mobile phone plan, all within a single platform.

What We Love

  • 🚀 Convenient payment option
  • 💳 Flexible payment plans
  • 🏪 Wide range of partner stores
  • 🆙 Increased spending limit with on-time payments
  • 📈 Helps build credit score

Room to Improve

  • 🤖 Poor customer service
  • 🔒 Concerns about security and fraud
  • 🔄 Issues with rescheduling payments
  • 💰 Unexpected fees and charges
  • 🔒 Restricted access to 'premium' stores
  • ⬇️ Decreased spending limits without explanation

More Pay Now Pay Later apps to explore

FAQ about Pay Now Pay Later

What are the best pay now pay later apps for iPhone?
Afterpay: Pay over time tops our pay now pay later apps ranking as of October 2026, with a 4.9-star average from 753K App Store ratings, and it's free to download.
Yes — 20 of the top pay now pay later apps we rank are free to download, including Afterpay: Pay over time and Zip - Buy Now, Pay Later.
Afterpay: Pay over time has no ads and has no in-app purchases, according to its App Store listing as of October 2026.
We track 250+ pay now pay later apps on the iOS App Store as of October 2026, ranked by rating, recency, and analysis of real user reviews.