Best Payment Plans Apps

249+ iOS apps curated and reviewed

4.6 avg rating
20 free apps
Updated August 2026

Looking for free payment plans apps? 20 of our 249+ tracked titles are free to download — no subscription, no trial. The rest are premium picks worth paying for.

Compare top Payment Plans Apps (August 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Four | Buy Now, Pay LaterFour | Buy Now, Pay LaterFree4.8★ (117K)NoNoSep 2026
2Affirm: Buy now, pay over timeAffirm: Buy now, pay over timeFree4.9★ (1.7M)NoNoSep 2026
3Zip - Buy Now, Pay LaterZip - Buy Now, Pay LaterFree4.9★ (858K)NoNoSep 2026
4Perpay - Shop and Build CreditPerpay - Shop and Build CreditFree4.9★ (16K)NoNoSep 2026
5Tabby: Send, spend and saveTabby: Send, spend and saveFree4.8★ (84K)NoNoSep 2026
6Afterpay: Pay over timeAfterpay: Pay over timeFree4.9★ (753K)NoNoSep 2026
7Sezzle: Buy Now, Pay LaterSezzle: Buy Now, Pay LaterFree4.9★ (300K)NoNoSep 2026
8Klarna: Smarter everyday moneyKlarna: Smarter everyday moneyFree4.9★ (2.4M)YesNoSep 2026

Top Picks for Payment Plans

Four | Buy Now, Pay Later#1

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

Flexible Shopping & Payments
Editor's Choice
🛍️ Shopping
4.8😞(117K ratings)
Free
#54in 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 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.

What We Love

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

Room to Improve

  • 🤖 Poor customer service
  • ❌ Declined/canceled orders
  • 💰 Unauthorized charges
  • 🕰️ Slow refund processing
  • 🔒 Account/login issues
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)
Free
#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
Affirm: Buy now, pay over time screenshot 4
Affirm: Buy now, pay over time screenshot 5
Affirm: Buy now, pay over time screenshot 6

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

  • 🙏 Helpful in tough times
  • 💳 Convenient financing option
  • 📈 Improved credit score

Room to Improve

  • 🤔 Confusing payment process
  • 🔒 Security and privacy concerns
  • 🔍 Difficulty verifying identity
  • 🚫 Unexpected account closures
  • 💰 High interest rates
Zip - Buy Now, Pay Later#3

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

Shop Now & Pay Over Time
Worth Considering
🛍️ Shopping
4.9😊(858K ratings)
Free
#52in 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

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

More Payment Plans apps to explore

FAQ about Payment Plans

What are the best payment plans apps for iPhone?
Four | Buy Now, Pay Later tops our payment plans apps ranking as of August 2026, with a 4.8-star average from 117K App Store ratings, and it's free to download.
Yes — 20 of the top payment plans apps we rank are free to download, including Four | Buy Now, Pay Later and Affirm: Buy now, pay over time.
Four | Buy Now, Pay Later has no ads and has no in-app purchases, according to its App Store listing as of August 2026.
We track 249+ payment plans apps on the iOS App Store as of August 2026, ranked by rating, recency, and analysis of real user reviews.
This app allows you to shop at hundreds of online retailers and split your purchases into four equal payments. The payments are scheduled to be paid every two weeks, making it easier to manage your spending and stay on budget while shopping online.
When you choose to pay with Four at a partner retailer, your purchase is split into four payments. The first payment is made at the time of purchase, and the remaining three payments are automatically charged every two weeks. This provides a clear and predictable payment schedule.

Related searches