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
💰 Finance
4.9😐(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

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!

What We Love

  • 💳 Easy payment setup
  • 🚀 Fast delivery
  • 🔍 Wide product selection
  • 💳 Builds credit

Room to Improve

  • 💰 Overpriced items
  • 🕰️ Slow shipping and approval process
  • 🤖 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
🛍️ Shopping
4.9😞(1.7M ratings)
FreeAds
#19in 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

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.

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
Afterpay: Pay over time#3

Afterpay: Pay over time by Afterpay Holdings Ltd

Shop Now. Split your payments.
Worth Considering
🛍️ Shopping
4.9😐(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 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!

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

More Payment Plan Shopping apps to explore

4
PayPal - Send, Manage, Pay
PayPal - Send, Manage, Pay
PayPal - Send, Manage, Pay
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)
5
Payanywhere: Point of Sale POS
Payanywhere: Point of Sale POS
Payanywhere: Point of Sale POS
Credit Card Reader & Payment
Free

An innovative mobile application designed to streamline point of sale transactions with its user-friendly interface and secure credit card reader. Simplify your business operations and boost efficiency today.

💼 Business
(652)
6
Smart Shopping List A LA CARTE
Smart Shopping List A LA CARTE
Smart Shopping List A LA CARTE
Make shopping easier
Free
📊 Productivity
(76)
7
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
(25K)
8
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
(27K)
9
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)
10
ShopShop - Shopping List
ShopShop - Shopping List
ShopShop - Shopping List
by Nikolaj Schumacher
Free

This app is a simple, easy, and free shopping list tool loved by many users for its elegance and versatility. Try it out for streamlined shopping!

🔧 Utilities
(545)
11
QuickBooks GoPayment POS
QuickBooks GoPayment POS
QuickBooks GoPayment POS
Mobile POS
Free

This mobile point of sale app by Intuit enables easy on-the-go payments through various methods including card, Apple Pay, Google Pay, and Samsung Pay. Users can conveniently track transactions, reconcile with QuickBooks, and manage payments with no hidden fees. Accept payments anywhere and anytime seamlessly with QuickBooks GoPayment. For more information, visit the developer's website.

💼 Business
(6.4K)
12
Apple Store
Apple Store
Apple Store
Shopping designed around you
Free

Shop quickly and conveniently for Apple products with personalized recommendations, order tracking, and in-store sessions. Use Apple Pay for seamless checkouts and easily upgrade your devices. Explore compatibility and privacy settings for a tailored shopping experience.

🛍️ Shopping
(162K)
13
Og Money - Payments&Gift Cards
Og Money - Payments&Gift Cards
Og Money - Payments&Gift Cards
Mobile wallet to buy & pay
Free

A mobile wallet application for convenient and secure payments on the go. Simply download the app to manage transactions, pay bills, and make purchases with ease.

🔧 Utilities
(28K)
14
Zip - Buy Now, Pay Later
Zip - Buy Now, Pay Later
Zip - Buy Now, Pay Later
Shop & Pay in 4¹
Free

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

🛍️ Shopping
(823K)
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

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)
16
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
(82K)
17
Shop Your Way
Shop Your Way
Shop Your Way
by Shop Your Way Inc.
Free

Shop Your Way app is a convenient rewards program that enhances your shopping experience. Earn rewards and benefits while shopping online or in-store. Start maximizing your shopping rewards today!

🛍️ Shopping
(4.6K)
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
💰 Finance
(275)
19
Four | Buy Now, Pay Later
Four | Buy Now, Pay Later
Four | Buy Now, Pay Later
Flexible Shopping & Payments
Free

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!

🛍️ Shopping
(109K)
20
Turkcell
Turkcell
Turkcell
Mobile Transaction & Shopping
Free

An innovative mobile application that revolutionizes transactions through ease, security, and speed. Experience convenient financial management at your fingertips – download now to redefine your mobile transactions.

🔧 Utilities
(9.8K)