Best Prepay App

198+ iOS apps curated and reviewed

4.5 avg rating
20 free apps
Updated May 2026

Looking for free prepay app apps? 20 of our 198+ tracked titles are free to download — no subscription, no trial. The rest are premium picks worth paying for.

Top Picks for Prepay App

Perpay - Shop and Build Credit#1

Perpay - Shop and Build Credit by Perpay, Inc.

Shop, pay later, build credit
Editor's Choice
💰 Finance
4.9😐(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

  • 💳 Easy payment setup
  • 🚀 Fast delivery
  • 🔍 Wide product selection
  • 💳 Builds credit

Room to Improve

  • 💰 Overpriced items
  • 🕰️ Slow shipping and approval process
  • 🤖 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
🛍️ Shopping
4.9😐(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

  • 🚀 Convenient payment plan
  • 💳 No interest or hidden fees
  • 🤝 Good customer service (initially)
  • 📈 Increasing credit limit with usage

Room to Improve

  • 🐛 App/website technical issues
  • 🔒 Security and privacy concerns
  • 🤖 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
🛍️ Shopping
4.8😞(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

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

Room to Improve

  • 🤖 Poor customer service
  • ❌ Declined/canceled orders
  • 💰 Unauthorized charges

More Prepay App 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
🛍️ Shopping
(1.7M)
free with in-app purchases
5
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
💰 Finance
(2.2M)
free with in-app purchases
6
Zip - Buy Now, Pay Later
Zip - Buy Now, Pay Later
Zip - Buy Now, Pay Later
Shop & Pay in 4¹
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
🛍️ Shopping
(823K)
free with in-app purchases
7
Sezzle - Buy Now, Pay Later
Sezzle - Buy Now, Pay Later
Sezzle - Buy Now, Pay Later
Shop & Pay in 4¹
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
🛍️ Shopping
(290K)
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
💰 Finance
(82K)
free
9
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
💰 Finance
(28K)
free with in-app purchases
10
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
💰 Finance
(27K)
free with in-app purchases
11
PrepayPower
PrepayPower
PrepayPower
by Yuno LIMITED
Free

Manage your electricity account and usage with ease. Add credit, view top-up history, and track your energy consumption. Offers savings features for budgeting and managing energy costs.

Add credit to accountView top-up historyTrack hourly, daily, weekly usage
🔧 Utilities
(1)
ad-supported
12
Boulevard Professional
Boulevard Professional
Boulevard Professional
Service provider app
Free

Enhance client interactions and manage your business on the go. Access client history, social profiles, and past purchases to personalize their experience. Schedule appointments, manage your calendar, and process payments securely from your mobile device.

Client profile reviewSchedule managementForm access and editing
💼 Business
(603)
free
13
INTER NATION STUDENT
INTER NATION STUDENT
INTER NATION STUDENT
by Sardorbek Kosimov
Free

This app streamlines academic and social student life by offering features for learning, homework, progress tracking, and event registration. It includes a library, a shop, and a ranking system to engage users.

Learn vocabularyWatch lesson videosComplete homework
📚 Education
(66)
free
14
UPTCL- App Up Your Life!
UPTCL- App Up Your Life!
UPTCL- App Up Your Life!
Call, SMS & Internet Packages
Free

Manage Ufone and PTCL services from a single application. Pay bills, subscribe to packages, track usage, and access exclusive rewards and support. Offers SIM purchases and internet speed boosts.

Dual network management (Ufone & PTCL)Quick payments and rechargesDaily rewards and app-only offers
🔧 Utilities
(2.5K)
free
15
Wafrh | وفرة
Wafrh | وفرة
Wafrh | وفرة
Compare in second and save it
Free

Easily compare prices and calculate your shopping basket costs to find the best deals. Get exclusive discount alerts and track prices in real-time. Save your favorite baskets and share invoices effortlessly.

Smart price comparisonBasket cost calculatorFavorite stores and locations
🛍️ Shopping
(218)
free with in-app purchases
16
aSim: create & share mini-apps
aSim: create & share mini-apps
aSim: create & share mini-apps
spaces for friends
Free

Create and share your own mini-applications with friends. Simply describe your app idea, and within a minute, you can experience it. This platform allows for collaborative app building and sharing.

Build mini-applicationsShare with friendsDescribe app ideas
🎬 Entertainment
(66)
free with in-app purchases
17
TopCard Mobile
TopCard Mobile
TopCard Mobile
by UBS Card Center AG
Free

Manage your credit and prepaid cards securely from your smartphone. Track spending, view statements, and block lost cards instantly. Receive real-time push notifications for debits and enjoy secure login with two-factor authentication.

Card payment overviewStatement viewingInstant card blocking
💰 Finance
(184)
free
18
UMH app
UMH app
UMH app
Aplicación oficial de la UMH
Free

This official university app provides campus building geolocation, course details, and research institute information. It offers personalized services like a virtual card, class schedules, academic records, and announcements for students, PDI, and PAS staff.

Campus building geolocationCourse and degree detailsResearch institute information
📚 Education
(2)
free
19
Go OHIO
Go OHIO
Go OHIO
Ohio University’s Official App
Free

This app provides Ohio University students with a centralized hub for academic and campus life. Access class schedules, grades, financial aid, and campus resources all in one place to stay organized and connected.

Personalized student dashboardClass schedule and gradesFinancial aid and account balances
📚 Education
(32)
free
20
Ayiti
Ayiti
Ayiti
Natcom app designed for agents
Free
🔧 Utilities
(1)

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