Best Perpay Apps

222+ iOS apps curated and reviewed

4.8 avg rating
20 free apps
Updated May 2026

With an average user rating of 4.8โ˜…, the perpay category is one of the App Store's strongest. Browse all 222+ apps we track, sorted so the most loved ones surface first.

Top Picks for Perpay

Perpay - Shop and Build Credit#1

Perpay - Shop and Build Credit by Perpay, Inc.

Shop, pay later, build credit
Editor's Choice
๐Ÿ’ฐ Finance
4.9๐Ÿ˜(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

Access up to $1,000 to shop for various goods and pay over time with no interest or fees. Build your credit history by reporting your payment activity to credit bureaus. Apply for a credit card with rewards and no annual fee.

What We Love

  • ๐Ÿ’ณ Easy payment setup
  • ๐Ÿš€ Fast delivery
  • ๐Ÿ” Wide product selection
  • ๐Ÿ’ณ Builds credit

Room to Improve

  • ๐Ÿ’ฐ Overpriced items
  • ๐Ÿ•ฐ๏ธ Slow shipping and approval process
  • ๐Ÿค– Poor app performance and glitches
Afterpay: Pay over time#2

Afterpay: Pay over time by Afterpay Holdings Ltd

Shop Now. Split your payments.
Strong Contender
๐Ÿ›๏ธ Shopping
4.9๐Ÿ˜(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 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

Room to Improve

  • ๐Ÿ› App/website technical issues
  • ๐Ÿ”’ Security and privacy concerns
  • ๐Ÿค– Lack of human customer support
Four | Buy Now, Pay Later#3

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

Flexible Shopping & Payments
Worth Considering
๐Ÿ›๏ธ Shopping
4.8๐Ÿ˜ž(109K ratings)
Free
#69in 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

  • ๐Ÿ’ณ Convenient payment option
  • ๐Ÿ›’ Wide variety of stores
  • ๐Ÿค‘ Affordable payment plans
  • ๐Ÿ“ˆ Increasing spending limits

Room to Improve

  • ๐Ÿค– Poor customer service
  • โŒ Declined/canceled orders
  • ๐Ÿ’ฐ Unauthorized charges

More Perpay apps to explore

4
Affirm: Buy now, pay over time
Affirm: Buy now, pay over time
Affirm: Buy now, pay over time
Flexible payments, big savings
Free

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.

Pay over time online and in-storeFlexible payment optionsDiscover 0% APR deals
๐Ÿ›๏ธ Shopping
(1.7M)
free with in-app purchases
5
Sezzle - Buy Now, Pay Later
Sezzle - Buy Now, Pay Later
Sezzle - Buy Now, Pay Later
Shop & Pay in 4ยน
Free

This app allows you to buy now and pay later with interest-free installments over six weeks. Easily split purchases into four payments, manage your budget, and discover exclusive deals from thousands of retailers. Enjoy a seamless shopping experience with flexible rescheduling options and instant approval.

Buy now, pay laterPay in 4 interest-free installmentsNo interest or hidden fees
๐Ÿ›๏ธ Shopping
(290K)
free with in-app purchases
6
Klarna: Smarter everyday money
Klarna: Smarter everyday money
Klarna: Smarter everyday money
Shop anywhere, manage & save
Free

Shop anywhere with flexible payment options, including interest-free installments and pay-in-30-days. Earn cashback, compare prices, track deliveries, and manage returns easily. Also offers mobile phone service.

Flexible payment optionsInterest-free installmentsUp to 10% cashback
๐Ÿ’ฐ Finance
(2.2M)
free with in-app purchases
7
Zip - Buy Now, Pay Later
Zip - Buy Now, Pay Later
Zip - Buy Now, Pay Later
Shop & Pay in 4ยน
Free

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.

Split payments into 4 or 8 installmentsBi-weekly payment scheduleVirtual and physical payment cards
๐Ÿ›๏ธ Shopping
(823K)
free with in-app purchases
8
Tabby: Pay over time
Tabby: Pay over time
Tabby: Pay over time
Pay in 4. No hidden fees
Free

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.

Split purchases into 4 monthly paymentsShop from top brands online and in-storeCompare prices and track deals
๐Ÿ’ฐ Finance
(82K)
free
9
Katapult | Shop & Lease to Own
Katapult | Shop & Lease to Own
Katapult | Shop & Lease to Own
Browse, shop, lease, and own.
Free

Shop now and pay over time with a lease-to-own option that doesn't require credit. Browse over 100 retailers, manage your leases, and make payments easily through the app. Take home essential items without paying upfront.

Lease-to-own purchasesNo credit requiredFlexible payment options
๐Ÿ’ฐ Finance
(27K)
free with in-app purchases
10
Deferit: Pay bills in 4
Deferit: Pay bills in 4
Deferit: Pay bills in 4
Save & build credit history
Free

Manage your bills and budget with flexibility. This app allows you to pay almost any service bill in four smaller installments with no interest. It also helps you save money by negotiating better deals with providers and builds your credit history by reporting on-time payments.

Pay bills in 4 installmentsNegotiate lower bill ratesBuild credit history
๐Ÿ’ฐ Finance
(28K)
free with in-app purchases
11
Tamara | Shop Now Pay Later
Tamara | Shop Now Pay Later
Tamara | Shop Now Pay Later
Pay in up to 24, No late fees
Free

This financial super-app offers flexible payment options, allowing you to shop now and pay later in installments or in full. Enjoy exclusive deals, cashback rewards, and buyer protection for a secure and seamless shopping experience.

Pay in installments or in fullSign up in minutesShop at thousands of partners
๐Ÿ’ฐ Finance
(59K)
free
12
Snap Finance
Snap Finance
Snap Finance
No credit? Shop now, pay later
Free

Apply for lease-to-own financing up to $5,000 with no credit check required. Shop for furniture, electronics, and more, and pay later. Manage your lease, payments, and view transactions securely.

Apply for financing up to $5,000No credit check requiredShop for furniture, electronics, and more
๐Ÿ›๏ธ Shopping
(22K)
free
13
PayPal - Send, Manage, Pay
PayPal - Send, Manage, Pay
PayPal - Send, Manage, Pay
Savings, cash back, pay later
Free

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.

Send and receive money globallyEarn cash back offersRequest a debit card
๐Ÿ’ฐ Finance
(6.3M)
free with in-app purchases
14
Acima: Lease Now & Buy Later
Acima: Lease Now & Buy Later
Acima: Lease Now & Buy Later
Easy Leasing & Payment Options
Free

Lease the items you need without perfect credit. Get approved for up to $4,000 in merchandise like furniture, electronics, and appliances. Shop at thousands of stores or online and make easy payments.

Lease without perfect creditApproved for up to $4,000Shop at thousands of stores
๐Ÿ›๏ธ Shopping
(25K)
free
15
Self โ€“ Credit Builder & Cash
Self โ€“ Credit Builder & Cash
Self โ€“ Credit Builder & Cash
Build credit or get cash now.
Free

Build your credit history and savings simultaneously with tools designed to improve your financial wellness. Access quick cash advances for unexpected expenses without a credit check. Report rent and utility payments to boost your score.

Build credit and savings togetherCash advances up to $100Secured Visa credit card with no credit check
๐Ÿ’ฐ Finance
(316K)
free with in-app purchases
16
Beem: Cash Advance & Banking
Beem: Cash Advance & Banking
Beem: Cash Advance & Banking
Bank, Budget & Build Credit
Free

This app offers instant cash advances up to $1,000 without interest or credit checks. It also automatically builds your credit with every purchase and provides AI-powered financial tools to optimize your money.

Instant cash advances up to $1,000Automatic credit building on every purchaseAI agents for job finding, deals, price comparison, and budgeting
๐Ÿ’ฐ Finance
(30K)
free with in-app purchases
17
Fingerhut Mobile
Fingerhut Mobile
Fingerhut Mobile
by Bluestem Brands, Inc.
Free

Manage your credit accounts and make payments conveniently. View your available credit, current balance, and past payment history. Set up recurring payments for your Fingerhut Fetti and Advantage accounts.

View available creditCheck current balanceMake payments
๐Ÿ›๏ธ Shopping
(94K)
free
18
Suave: Buy now, pay later.
Suave: Buy now, pay later.
Suave: Buy now, pay later.
Easy shopping.
Free

Shop for items you need and pay them off over time with flexible monthly payment plans. Get prequalified instantly, then use the app to manage your purchases and payments at your favorite stores.

Pay in 4, 6, or 12 monthly installmentsInstant prequalificationShop at favorite stores
๐Ÿ›๏ธ Shopping
(664)
free
19
OnePay โ€“ Mobile Banking
OnePay โ€“ Mobile Banking
OnePay โ€“ Mobile Banking
Bank. Borrow. Build Credit.
Free

Manage your finances with a mobile banking solution offering early pay, rewards, and high-yield savings. Access a cash rewards credit card, affordable wireless plans, and a credit builder loan. Buy now, pay later options are also available.

Early pay and rewardsHigh-yield savings accountsCash back credit card
๐Ÿ’ฐ Finance
(354K)
free with in-app purchases
20
Flex - Rent On Your Schedule
Flex - Rent On Your Schedule
Flex - Rent On Your Schedule
Pay rent on your own schedule
Free

This app allows renters to split their monthly rent into smaller, manageable payments. It facilitates on-time rent payments, helps build credit history, and offers a flexible repayment schedule.

Split rent into smaller paymentsPay rent on your own scheduleBuild credit history
๐Ÿ’ฐ Finance
(413K)
free with in-app purchases

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