Best Payment Plan Shopping Apps

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.

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.

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.

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.

Amex

Payments, Balance & Rewards

Free

Manage your American Express account securely from anywhere. Track spending, view rewards, pay your bill, and discover personalized offers. Enjoy quick, safe access with biometric login and instant alerts for added peace of mind.

myWisely: Mobile Banking

Get paid. Track spend. Save.

Free

Manage your finances with early access to paychecks, fee-free banking, and automated savings tools. This app allows you to track spending, pay bills, and save for your goals, even when changing jobs.

PayLater: Split Your Payments

Relax, PayLater

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.

PayPal - Pay, Send, Save

Debit card, rewards, 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.

GO2bank: Mobile banking

Online checking and savings

Free

This mobile banking app simplifies money management with features like early direct deposit, high-yield savings, and overdraft protection. It offers transparent banking with no hidden fees and tools to build credit. Secure and convenient access to funds nationwide.

Taly | Split your payments

No interest, No Fees

Free

This app offers a Buy Now, Pay Later service, allowing users to split purchases into interest-free installments. It provides a secure platform for tracking payments and shopping with various brands.

Link: A smarter way to pay

Pay quickly and securely

Free

This app streamlines online and in-store checkouts by securely storing payment details and addresses. It helps manage recurring subscriptions, track spending across connected accounts, and offers purchase protection for eligible items.

Square Point of Sale (POS)

Payments & Business Dashboard

Free

This all-in-one payments processing app helps businesses of all types manage operations, accept payments, and boost profits. It offers industry-specific modes for retail, restaurants, services, and beauty businesses, with features like inventory management, online booking, and invoicing.

Sezzle: Buy Now, Pay Later

Pay Over Time & 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.

Shop: Track, Pay, Discover

Shopping app & package tracker

Free

Discover and shop from your favorite brands and local stores, receiving alerts for deals and new arrivals. Organize wishlists, track all your orders in one place, and enjoy a seamless one-tap checkout experience.

Payva: Buy Now, Pay Later

by Abundant Servicing

Free

Easily manage your existing payment plans in one secure location. Track your payment history, update payment methods, and make payments anytime with real-time updates.

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.

MIS Pay

Buy Now and Pay Later (BNPL)

Free

Shop with financial flexibility using this app. Buy items now and pay later with no interest or fees. Manage your purchases, track payments, and access exclusive partner discounts.