Best Payment Plan Shopping Apps

217+ iOS apps curated and reviewed

4.6 avg rating
20 free apps
Updated June 2026

Every iPhone needs a few good payment plan shopping apps. We benchmark 217+ of them on App Store rating, freshness, and pricing, then surface the standouts so you don't have to scroll the App Store yourself.

Top Picks for Payment Plan Shopping

Perpay - Shop and Build Credit#1

Perpay - Shop and Build Credit by Perpay, Inc.

Shop, pay later, build credit
Editor's Choice
๐Ÿ’ฐ Finance
4.9๐Ÿ˜(11K ratings)
FreeAds
Perpay - Shop and Build Credit screenshot 1
Perpay - Shop and Build Credit screenshot 2
Perpay - Shop and Build Credit screenshot 3
Perpay - Shop and Build Credit screenshot 4
Perpay - Shop and Build Credit screenshot 5
Perpay - Shop and Build Credit screenshot 6

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.

What We Love

  • ๐Ÿ’ณ Easy payment setup
  • ๐Ÿš€ Fast delivery
  • ๐Ÿ” Wide product selection
  • ๐Ÿ’ณ Builds credit

Room to Improve

  • ๐Ÿ’ฐ Overpriced items
  • ๐Ÿ•ฐ๏ธ Slow shipping and approval process
  • ๐Ÿค– Poor app performance and glitches
Affirm: Buy now, pay over time#2

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

Flexible payments, big savings
Strong Contender
๐Ÿ›๏ธ Shopping
4.9๐Ÿ˜ž(1.7M ratings)
FreeAds
#20in 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

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

  • ๐Ÿ™ Helpful in tough times
  • ๐Ÿ’ณ Convenient financing option
  • ๐Ÿ“ˆ Improved credit score

Room to Improve

  • ๐Ÿค” Confusing payment process
  • ๐Ÿ”’ Security and privacy concerns
  • ๐Ÿ” Difficulty verifying identity
Afterpay: Pay over time#3

Afterpay: Pay over time by Afterpay Holdings Ltd

Shop Now. Split your payments.
Worth Considering
๐Ÿ›๏ธ Shopping
4.9๐Ÿ˜(752K ratings)
FreeAds
#33in 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

  • ๐Ÿš€ Convenient payment plan
  • ๐Ÿ’ณ No interest or hidden fees
  • ๐Ÿค Good customer service (initially)
  • ๐Ÿ“ˆ Increasing credit limit with usage

Room to Improve

  • ๐Ÿ› App/website technical issues
  • ๐Ÿ”’ Security and privacy concerns
  • ๐Ÿค– Lack of human customer support

More Payment Plan Shopping apps to explore

4
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
๐Ÿ’ฐ Finance
(6.3M)
free with in-app purchases
5
Payanywhere: Point of Sale POS
Payanywhere: Point of Sale POS
Payanywhere: Point of Sale POS
Credit Card Reader & Payment
Free

This app is a comprehensive point-of-sale system for businesses. It allows you to accept various payment types, manage inventory, track sales, and send invoices directly from your device. Optional hardware can enhance its functionality for different business needs.

Accept contactless, chip, and magstripe paymentsTrack cash and gift card salesCreate and send invoices
๐Ÿ’ผ Business
(653)
free with in-app purchases
6
Smart Shopping List A LA CARTE
Smart Shopping List A LA CARTE
Smart Shopping List A LA CARTE
Make shopping easier
Free

This app helps you create and manage multiple shopping lists for groceries, parties, and gifts. It offers features like budget tracking, aisle assignment, expiration date reminders, and a digital wallet for store cards and coupons. Sync lists across devices and customize your experience with various color themes.

Multiple shopping listsBudget trackingAisle assignment
๐Ÿ“Š Productivity
(76)
free with in-app purchases
7
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
๐Ÿ›๏ธ Shopping
(25K)
free
8
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
๐Ÿ’ฐ Finance
(27K)
free with in-app purchases
9
Klarna: Smarter everyday money
Klarna: Smarter everyday money
Klarna: Smarter everyday money
Shop anywhere, manage & save
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
๐Ÿ’ฐ Finance
(2.3M)
free with in-app purchases
10
ShopShop - Shopping List
ShopShop - Shopping List
ShopShop - Shopping List
by Nikolaj Schumacher
Free

Create and manage your shopping lists with ease. This straightforward application offers a simple and intuitive way to organize your purchases, making grocery trips more efficient.

Create shopping listsManage purchasesSimple interface
๐Ÿ”ง Utilities
(545)
free
11
QuickBooks GoPayment POS
QuickBooks GoPayment POS
QuickBooks GoPayment POS
Mobile POS
Free

Accept in-person and contactless payments directly on your iPhone without extra hardware. Manage sales, send receipts, and sync transactions with your accounting software. Streamline your business finances on the go.

Accept contactless payments via Tap to Pay on iPhoneProcess debit and credit card paymentsSend text or email receipts
๐Ÿ’ผ Business
(6.4K)
free with in-app purchases
12
Apple Store
Apple Store
Apple Store
Shopping designed around you
Free

Discover and shop the latest Apple products with a personalized experience. Get tailored recommendations, track orders, and access support. Explore creative tips and book in-store sessions.

Personalized product recommendationsBrowse latest Apple productsOrder tracking
๐Ÿ›๏ธ Shopping
(162K)
free
13
Og Money - Payments&Gift Cards
Og Money - Payments&Gift Cards
Og Money - Payments&Gift Cards
Mobile wallet to buy & pay
Free

This app serves as a digital lifestyle super app, allowing users to manage various transactions like buying digital gift cards, recharging mobile lines, paying bills, and booking travel. It offers exclusive deals and saving bundles for a more convenient and cost-effective digital experience.

Buy and gift digital cardsRecharge mobile linesPay telecom bills and services
๐Ÿ”ง Utilities
(28K)
free with in-app purchases
14
Zip - Buy Now, Pay Later
Zip - Buy Now, Pay Later
Zip - Buy Now, Pay Later
Shop & Pay in 4ยน
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
๐Ÿ›๏ธ Shopping
(831K)
free with in-app purchases
15
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
๐Ÿ’ฐ Finance
(59K)
free
16
Tabby: Send, spend and save
Tabby: Send, spend and save
Tabby: Send, spend and save
Pay in 4. No hidden fees
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
๐Ÿ’ฐ Finance
(83K)
free
17
Shop Your Way
Shop Your Way
Shop Your Way
by Shop Your Way Inc.
Free

Earn points on everyday purchases online and in-store with a membership and linked card. Redeem accumulated points as statement credits for real savings on your bills. Discover exclusive deals and offers to maximize your rewards.

Earn points on purchasesRedeem points as statement creditLink membership and card
๐Ÿ›๏ธ Shopping
(4.6K)
free with in-app purchases
18
Cherry: The Smarter Way to Pay
Cherry: The Smarter Way to Pay
Cherry: The Smarter Way to Pay
Make payments and manage plans
Free

Manage multiple payment plans easily and make payments in seconds. Track your progress and plan for the future with no surprises. Access health and wellness services through manageable payment plans.

Manage multiple payment plansMake payments in secondsTrack payment progress
๐Ÿ’ฐ Finance
(275)
free
19
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
๐Ÿ›๏ธ Shopping
(109K)
freemium
20
Turkcell
Turkcell
Turkcell
Mobile Transaction & Shopping
Free

Manage your mobile account, pay bills, and shop for electronics. Access exclusive promotions, special offers, and participate in campaigns for gifts. Easily switch between services and track your orders.

Monitor usage and pay billsTop-up account and purchase packagesShop for electronics via Turkcell Pasaj
๐Ÿ”ง Utilities
(9.8K)
free