Best Payment Plans Apps

248+ iOS apps curated and reviewed

4.7 avg rating
20 free apps
Updated October 2026

Looking for free payment plans apps? 20 of our 248+ tracked titles are free to download — no subscription, no trial. The rest are premium picks worth paying for.

Compare top Payment Plans Apps (October 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Four | Buy Now, Pay LaterFour | Buy Now, Pay LaterFree4.8★ (121K)NoNoOct 2026
2Tabby: Send, spend and saveTabby: Send, spend and saveFree4.8★ (85K)NoNoOct 2026
3Afterpay: Pay over timeAfterpay: Pay over timeFree4.9★ (753K)NoNoOct 2026
4Zip - Buy Now, Pay LaterZip - Buy Now, Pay LaterFree4.9★ (868K)NoNoOct 2026
5Tamara | Own your DreamTamara | Own your DreamFree4.7★ (59K)NoNoOct 2026
6Klarna: Smarter everyday moneyKlarna: Smarter everyday moneyFree4.9★ (2.4M)YesNoOct 2026
7Affirm: Buy now, pay over timeAffirm: Buy now, pay over timeFree4.9★ (1.7M)NoNoOct 2026
8Perpay - Shop and Build CreditPerpay - Shop and Build CreditFree4.9★ (21K)NoNoOct 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😞(121K ratings)
Free
#54in Shopping
Four | Buy Now, Pay Later screenshot 1
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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
Tabby: Send, spend and save#2

Tabby: Send, spend and save by Tabby FZ LLC

Take power over money
Strong Contender
💰 Finance
4.8😞(85K ratings)
Free
Tabby: Send, spend and save screenshot 1
Tabby: Send, spend and save screenshot 2
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Tabby: Send, spend and save screenshot 6

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.

What We Love

  • 💡 Convenient installment payments
  • 👍 Easy to use app
  • 🚀 Smooth and efficient service
  • 🤑 Helps manage budget and afford purchases

Room to Improve

  • 🐛 Unclear purchasing power and lack of transparency
  • 🤷‍♀️ Uninformed and unhelpful customer support
  • 🚫 Risk of permanent ban for failed purchases
  • 🤬 Inaccurate payment charges and unprofessional customer service
  • 🙅‍♀️ Unauthorized notifications and spam
  • 🤔 Inconsistent and unreliable service
  • 🚫 Limited availability in certain regions
Afterpay: Pay over time#3

Afterpay: Pay over time by Afterpay

Shop Now. Split your payments.
Worth Considering
🛍️ Shopping
4.9😐(753K ratings)
Free
#34in Shopping
Afterpay: Pay over time screenshot 1
Afterpay: Pay over time screenshot 2
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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

  • 🚀 Convenient payment plan
  • 💳 No interest or hidden fees
  • 🤝 Good customer service (initially)
  • 📈 Increasing credit limit with usage
  • 🛒 Wide range of participating stores
  • 🕰️ Flexible payment scheduling
  • 💰 Helps with budgeting and affordability

Room to Improve

  • 🐛 App/website technical issues
  • 🔒 Security and privacy concerns
  • 🤖 Lack of human customer support
  • 🔽 Drastic credit limit reductions
  • 🚫 Accounts closed/banned for minor issues
  • 💳 Incompatibility with certain payment methods
  • 🕰️ Automatic payments causing overdraft issues

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 October 2026, with a 4.8-star average from 121K 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 Tabby: Send, spend and save.
Four | Buy Now, Pay Later has no ads and has no in-app purchases, according to its App Store listing as of October 2026.
We track 248+ payment plans apps on the iOS App Store as of October 2026, ranked by rating, recency, and analysis of real user reviews.

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