Best Paypal Later Apps

247+ iOS apps curated and reviewed

4.6 avg rating
20 free apps
Updated October 2026

Out of 247+ paypal later apps on iOS, 20 are free and the rest sit in the paid tier. This page sorts them so you can compare both sides before you commit.

Compare top Paypal Later Apps (October 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1PayPal - Pay, Send, SavePayPal - Pay, Send, SaveFree4.8โ˜… (6.3M)YesNoOct 2026
2Affirm: Buy now, pay over timeAffirm: Buy now, pay over timeFree4.9โ˜… (1.8M)NoNoOct 2026
3Afterpay: Pay over timeAfterpay: Pay over timeFree4.9โ˜… (753K)NoNoOct 2026
4PayLater: Split Your PaymentsPayLater: Split Your PaymentsFree3.5โ˜… (304)NoNoOct 2026
5Sezzle: Buy Now, Pay LaterSezzle: Buy Now, Pay LaterFree4.9โ˜… (305K)NoNoOct 2026
6Zip - Buy Now, Pay LaterZip - Buy Now, Pay LaterFree4.9โ˜… (872K)NoNoOct 2026
7Klarna: Smarter everyday moneyKlarna: Smarter everyday moneyFree4.9โ˜… (2.5M)YesNoOct 2026
8Tabby: Send, spend and saveTabby: Send, spend and saveFree4.8โ˜… (85K)NoNoOct 2026

Top Picks for Paypal Later

PayPal - Pay, Send, Save#1

PayPal - Pay, Send, Save by PayPal, Inc.

Debit card, rewards, pay later
Editor's Choice
๐Ÿ’ฐ Finance
4.8๐Ÿ˜(6.3M ratings)
FreeAds
#3in Finance
PayPal - Pay, Send, Save screenshot 1
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PayPal - Pay, Send, Save screenshot 3
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PayPal - Pay, Send, Save screenshot 6

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.

What We Love

  • ๐Ÿš€ Extremely effective and reliable crypto recovery service
  • ๐Ÿ”’ Secure payment processing
  • ๐Ÿ’ฐ Convenient way to send and receive money
  • ๐Ÿ‘ Easy to use app with simple interface

Room to Improve

  • ๐Ÿ› Inconsistent customer support responses
  • ๐Ÿ•ฐ๏ธ Slow money transfer times
  • ๐Ÿ’ณ Holds on funds for new accounts
  • ๐Ÿค– Overly automated with lack of human interaction
Affirm: Buy now, pay over time#2

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

Flexible payments, big savings
4.9๐Ÿ˜ž(1.8M ratings)
Free
#20in Shopping
Affirm: Buy now, pay over time screenshot 1
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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

  • 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
  • ๐Ÿšซ Unexpected account closures
  • ๐Ÿ’ฐ High interest rates
Afterpay: Pay over time#3

Afterpay: Pay over time by Afterpay

Shop Now. Split your payments.
4.9๐Ÿ˜(753K ratings)
Free
#37in Shopping
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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
  • ๐Ÿ›’ Wide range of participating stores
  • ๐Ÿ•ฐ๏ธ Flexible payment scheduling
  • ๐Ÿ’ฐ Helps with budgeting and affordability

Room to Improve

  • ๐Ÿ› App/website technical issues
  • ๐Ÿ”’ Security and privacy concerns
  • ๐Ÿค– Lack of human customer support
  • ๐Ÿ”ฝ Drastic credit limit reductions
  • ๐Ÿšซ Accounts closed/banned for minor issues
  • ๐Ÿ’ณ Incompatibility with certain payment methods
  • ๐Ÿ•ฐ๏ธ Automatic payments causing overdraft issues

More Paypal Later apps to explore

FAQ about Paypal Later

What are the best paypal later apps for iPhone?
PayPal - Pay, Send, Save tops our paypal later apps ranking as of October 2026, with a 4.8-star average from 6.3M App Store ratings, and it's free to download.
Yes โ€” 20 of the top paypal later apps we rank are free to download, including PayPal - Pay, Send, Save and Affirm: Buy now, pay over time.
PayPal - Pay, Send, Save shows ads and has no in-app purchases, according to its App Store listing as of October 2026.
We track 247+ paypal later apps on the iOS App Store as of October 2026, ranked by rating, recency, and analysis of real user reviews.