Best Paypal Pay Later Apps

247+ iOS apps curated and reviewed

4.4 avg rating
20 free apps
Updated October 2026

PayPal is the household name in paypal pay later, but it's far from the only option. We track 247+ alternatives and competitors on iOS — many free, many higher-rated than you'd expect.

Compare top Paypal Pay Later Apps (October 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1PayPal - Pay, Send, SavePayPal - Pay, Send, SaveFree4.8★ (6.3M)YesNoOct 2026
2Affirm: Buy now, pay over timeAffirm: Buy now, pay over timeFree4.9★ (1.8M)NoNoOct 2026
3PayLater: Split Your PaymentsPayLater: Split Your PaymentsFree3.5★ (304)NoNoOct 2026
4Afterpay: Pay over timeAfterpay: Pay over timeFree4.9★ (753K)NoNoOct 2026
5Zip - Buy Now, Pay LaterZip - Buy Now, Pay LaterFree4.9★ (872K)NoNoOct 2026
6Four | Buy Now, Pay LaterFour | Buy Now, Pay LaterFree4.8★ (121K)NoNoOct 2026
7Sezzle: Buy Now, Pay LaterSezzle: Buy Now, Pay LaterFree4.9★ (304K)NoNoOct 2026
8Klarna: Smarter everyday moneyKlarna: Smarter everyday moneyFree4.9★ (2.5M)YesNoOct 2026

Top Picks for Paypal Pay Later

PayPal - Pay, Send, Save#1

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

Debit card, rewards, pay later
Editor's Choice
💰 Finance
4.8😐(6.3M ratings)
FreeAds
#3in Finance
PayPal - Pay, Send, Save screenshot 1
PayPal - Pay, Send, Save screenshot 2
PayPal - Pay, Send, Save screenshot 3
PayPal - Pay, Send, Save screenshot 4
PayPal - Pay, Send, Save screenshot 5
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

  • 🚀 Extremely effective and reliable crypto recovery service
  • 🔒 Secure payment processing
  • 💰 Convenient way to send and receive money
  • 👍 Easy to use app with simple interface

Room to Improve

  • 🐛 Inconsistent customer support responses
  • 🕰️ Slow money transfer times
  • 💳 Holds on funds for new accounts
  • 🤖 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
Strong Contender
🛍️ Shopping
4.9😞(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 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
PayLater: Split Your Payments#3

PayLater: Split Your Payments by Pay Later

Relax, PayLater
Worth Considering
💰 Finance
3.5😞(304 ratings)
Free
PayLater: Split Your Payments screenshot 1
PayLater: Split Your Payments screenshot 2
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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.

What We Love

  • 👍 Trusted
  • 👍 Great experience

Room to Improve

  • 💡 No Arabic language support
  • 💡 Low spending limit
  • 🐛 Debit card not supported
  • 🐛 OTP not received
  • 🐛 Unable to delete app and restart
  • 🐛 Discriminatory spending limits between customers

More Paypal Pay Later apps to explore

FAQ about Paypal Pay Later

What are the best paypal pay later apps for iPhone?
PayPal - Pay, Send, Save tops our paypal pay 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 — 20 of the top paypal pay 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 pay later apps on the iOS App Store as of October 2026, ranked by rating, recency, and analysis of real user reviews.