Best Payment Plan Apps

217+ iOS apps curated and reviewed

4.6 avg rating
20 free apps
Updated May 2026

With an average user rating of 4.6★, the payment plan category is one of the App Store's strongest. Browse all 217+ apps we track, sorted so the most loved ones surface first.

Top Picks for Payment Plan

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😊(820K ratings)
FreeAds
#48in 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

Shop now and pay later with Zip! Enjoy the convenience of making purchases without upfront payments. Experience hassle-free shopping today.

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
Four | Buy Now, Pay Later#2

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

Flexible Shopping & Payments
Strong Contender
🛍️ Shopping
4.8😞(106K ratings)
Free
#60in 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 now, pay later at your favorite stores with an app that allows you to split payments into four interest-free installments every 2 weeks. Manage orders, payments, and get notified before due dates. Discover new retailers in the app directory. Happy shopping!

What We Love

  • 💳 Convenient payment option
  • 🛒 Wide variety of stores
  • 🤑 Affordable payment plans
  • 📈 Increasing spending limits

Room to Improve

  • 🤖 Poor customer service
  • ❌ Declined/canceled orders
  • 💰 Unauthorized charges
Sezzle: Buy Now, Pay Later#3

Sezzle: Buy Now, Pay Later by Sezzle Inc.

Shop & Pay in 4¹
Worth Considering
🛍️ Shopping
4.9😞(287K ratings)
FreeAds
#33in 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

Shop clothing, beauty products, electronics, and more with flexible payment options through our app. Buy now and pay later in easy installments to make shopping convenient and affordable for you. Start shopping today and enjoy the freedom to pay at your own pace.

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

More Payment Plan apps to explore

4
Afterpay: Pay over time
Afterpay: Pay over time
Afterpay: Pay over time
Shop Now. Split your payments.
Free

Shop fashion, beauty, and tech with the app that lets you buy now, pay later in four interest-free payments. Browse brands, products, discounts, and gift cards across various categories, manage orders, get price drop alerts, use in stores, and access customer support. Download now and enjoy the benefits of Afterpay!

🛍️ Shopping
(384)
5
Tamara | Shop Now Pay Later
Tamara | Shop Now Pay Later
Tamara | Shop Now Pay Later
Pay in up to 24, No late fees
Free

Discover new and trending fashion items from top brands curated just for you. Get personalized recommendations based on your style preferences and shop the latest trends effortlessly. Update your wardrobe with ease!

💰 Finance
(59K)
6
Affirm: Buy now, pay over time
Affirm: Buy now, pay over time
Affirm: Buy now, pay over time
Flexible payments, big savings
Free

Shop stress-free with the Affirm app: pay over time at any store, access exclusive deals with low rates, manage your account and payments, and open a high-yield Money Account. Use the Affirm Card online or in-person, request payment plans, link your bank account, and shop easily with flexible payment options.

🛍️ Shopping
(1.7M)
7
Klarna: Smarter everyday money
Klarna: Smarter everyday money
Klarna: Smarter everyday money
Shop anywhere, manage & save
Free

Shop now and pay later with our online shopping app. Enjoy the convenience of deferred payments with easy installment options. Download now for effortless shopping!

💰 Finance
(2.2M)
8
Tabby: Pay over time
Tabby: Pay over time
Tabby: Pay over time
Pay in 4. No hidden fees
Free

Shop at your favorite brands and split purchases into 4 interest-free payments with Tabby. Track payments, get discounts, and explore thousands of products and brands. Take control of your spending with Tabby's convenient features and 24/7 chat support.

💰 Finance
(3K)
9
Perpay - Shop and Build Credit
Perpay - Shop and Build Credit
Perpay - Shop and Build Credit
Shop, pay later, build credit
Free

Shop, pay later, and build credit with an all-in-one shopping app. Buy your favorite brands and pay over time to improve your credit score. Start shopping smart today!

💰 Finance
(8.4K)
10
Katapult | Shop & Lease to Own
Katapult | Shop & Lease to Own
Katapult | Shop & Lease to Own
Browse, shop, lease, and own.
Free

Discover a revolutionary shopping companion that uses cutting-edge technology to enhance your shopping experience. Find personalized recommendations, exclusive deals, and seamless checkout options all in one place. Elevate your shopping with Katapult today!

💰 Finance
(26K)
11
PayLater - Split in 4 payments
PayLater - Split in 4 payments
PayLater - Split in 4 payments
The Only Way to Split Pay
Free
💰 Finance
(253)
12
PayPal - Pay, Send, Save
PayPal - Pay, Send, Save
PayPal - Pay, Send, Save
Savings, cash back, pay later
Free

An all-in-one app for sending money, managing your account, earning cash back, and growing your savings with high-yield options. Easily send money for free, get cash back on purchases, and manage your finances all in one place. Check it out now for a simple and secure way to stay on top of your financial transactions!

💰 Finance
(6.3M)
13
Klover - Instant Cash Advance
Klover - Instant Cash Advance
Klover - Instant Cash Advance
Up to $400 Before Payday
Free

An app offering instant cash advances up to $200 without late fees, credit checks, or interest charges. Users can earn points, win daily cash prizes, and access innovative budgeting tools. Data is securely stored and anonymized, providing financial services without fees or charges. Unlock perks by opting into the Truth in Data agreement. Access money you've already earned by validating your employment. Contact info@joinklover.com for questions.

💰 Finance
(344K)
14
Acima: Lease Now & Buy Later
Acima: Lease Now & Buy Later
Acima: Lease Now & Buy Later
Easy Leasing & Payment Options
Free

Lease must-have merchandise up to $4,000 without credit or cash using Acima. Shop furniture, electronics, appliances, and more from thousands of stores. Manage your lease details, payments, and agreements conveniently with the app.

🛍️ Shopping
(24K)
15
Progressive Leasing
Progressive Leasing
Progressive Leasing
by Prog Leasing, LLC
Free

Access a mobile app that simplifies shopping with a lease-to-own purchase option, perfect for those with less-than-perfect credit. Shop at over 30,000 retail locations nationwide or from the comfort of your own home. Download the app today for an instant decision and get what you need now, with the ease of payment over time.

🛍️ Shopping
(34K)
16
Paytient
Paytient
Paytient
Feel better. Pay later.
Free

An app that allows users to pay for healthcare costs over time without interest or fees. Users can set up an account quickly, access virtual Visa cards, and choose flexible repayment options. Helpful features include in-app support, tracking spending, and paying with various funding sources.

🏥 Medical
(3.4K)
17
Airfordable
Airfordable
Airfordable
Installment plans for flights
Free

Book flights with ease using our app - pay a fraction upfront, then the rest in installments. No hidden fees, credit checks, or price hikes - just flexible, secure, and guaranteed travel. Join our community for a budget-friendly way to explore the world.

✈️ Travel
(2.9K)
18
MyEasyPay
MyEasyPay
MyEasyPay
by Duvera Billing Services, LLC
Free

Track, schedule, and manage your payments effortlessly with features like finance charge cap promotion tracking, AutoPay, payment history viewing, and biometric login. Ensure timely payments and full payoff within promotional periods.

💰 Finance
(607)
19
Sunbit
Sunbit
Sunbit
Sunbit
Free

Sunbit is the Buy Now, Pay-over-time solution for everyday needs and services, offering easy tools for managing payment plans 24/7. The app allows customers to view account details, make payments, and access customer support. Contact feedback@sunbit.com for any inquiries.

💰 Finance
(331)
20
Papaya: Securely Pay Any Bill
Papaya: Securely Pay Any Bill
Papaya: Securely Pay Any Bill
Fast & Secure Bill Payments
Free

A secure bill payment app that enables users to quickly and securely pay any bill with ease. Simplify your bill payments today!

💰 Finance
(117K)

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