Best Quad Pay Apps

250+ iOS apps curated and reviewed

4.4 avg rating
20 free apps
Updated August 2026

Every iPhone needs a few good quad pay apps. We benchmark 250+ of them on App Store rating, freshness, and pricing, then surface the standouts so you don't have to scroll the App Store yourself.

Compare top Quad Pay Apps (August 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Zip - Buy Now, Pay LaterZip - Buy Now, Pay LaterFree4.9★ (853K)NoNoAug 2026
2Afterpay: Pay over timeAfterpay: Pay over timeFree4.9★ (752K)NoNoAug 2026
3Four | Buy Now, Pay LaterFour | Buy Now, Pay LaterFree4.8★ (112K)NoNoAug 2026
4Affirm: Buy now, pay over timeAffirm: Buy now, pay over timeFree4.9★ (1.7M)NoNoAug 2026
5Sezzle: Buy Now, Pay LaterSezzle: Buy Now, Pay LaterFree4.9★ (298K)NoNoAug 2026
6Tamara | Own your DreamTamara | Own your DreamFree4.7★ (59K)NoNoAug 2026
7Tabby: Send, spend and saveTabby: Send, spend and saveFree4.8★ (84K)NoNoAug 2026
8Perpay - Shop and Build CreditPerpay - Shop and Build CreditFree4.9★ (16K)NoNoAug 2026

Top Picks for Quad Pay

Zip - Buy Now, Pay Later#1

Zip - Buy Now, Pay Later by Zip Co US, Inc.

Shop Now & Pay Over Time
Editor's Choice
🛍️ Shopping
4.9😊(853K ratings)
Free
#42in Shopping
Zip - Buy Now, Pay Later screenshot 1
Zip - Buy Now, Pay Later screenshot 2
Zip - Buy Now, Pay Later screenshot 3
Zip - Buy Now, Pay Later screenshot 4
Zip - Buy Now, Pay Later screenshot 5
Zip - Buy Now, Pay Later screenshot 6

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.

What We Love

  • 💳 Convenient payment option
  • 🤑 Affordable payment plans
  • ⏰ Flexible payment schedules
  • 🤝 Helpful customer service

Room to Improve

  • 🐛 Unreliable app performance
  • 🤔 Unclear refund/return policies
  • 🤷‍♀️ Inconsistent customer support
Afterpay: Pay over time#2

Afterpay: Pay over time by Afterpay

Shop Now. Split your payments.
Strong Contender
🛍️ Shopping
4.9😐(752K ratings)
Free
#30in 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😞(112K ratings)
Free
#43in 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 Quad Pay 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
Sezzle: Buy Now, Pay Later
Sezzle: Buy Now, Pay Later
Sezzle: Buy Now, Pay Later
Pay Over Time & Earn Rewards
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
(298K)
free with in-app purchases
6
Tamara | Own your Dream
Tamara | Own your Dream
Tamara | Own your Dream
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
💰 Finance
(59K)
free
7
Tabby: Send, spend and save
Tabby: Send, spend and save
Tabby: Send, spend and save
Take power over money
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
(84K)
free
8
Perpay - Shop and Build Credit
Perpay - Shop and Build Credit
Perpay - Shop and Build Credit
Shop, pay later, build credit
Free

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.

Access up to $1,000 to spendShop top brands on marketplacePay over time with no interest/fees
💰 Finance
(16K)
free with in-app purchases
9
PayPal - Pay, Send, Save
PayPal - Pay, Send, Save
PayPal - Pay, Send, Save
Debit card, savings, 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
💰 Finance
(6.3M)
free with in-app purchases
10
PayLater - Split in 4 payments
PayLater - Split in 4 payments
PayLater - Split in 4 payments
The Only Way to Split Pay
Free

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.

Split payments into 4 installmentsFast and easy onboardingSecure PCI DSS-compliant transactions
💰 Finance
(271)
free
11
Klarna: Smarter everyday money
Klarna: Smarter everyday money
Klarna: Smarter everyday money
Cashback, payments, savings
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
(2.3M)
free with in-app purchases
12
Klover - Instant Cash Advance
Klover - Instant Cash Advance
Klover - Instant Cash Advance
Up to $750 Before Payday
Free

Access cash advances up to $750 before your next payday without credit checks, late fees, or interest. Earn points for surveys and ads to increase your advance amount. Utilize budgeting tools and track your credit score.

Cash advances up to $750No credit checks, late fees, or interestEarn points for surveys and ads
💰 Finance
(370K)
free with in-app purchases
13
PayWage
PayWage
PayWage
Get Paid When you Decide
Free

Access your earned income whenever you need it, offering a flexible way to manage your finances. This secure platform helps reduce financial stress and supports better expense planning by giving you control over your pay.

Access earned income on demandImprove financial wellbeingSupport expense planning
💰 Finance
(0)
free
14
CirclePay - Buy Now Pay Later
CirclePay - Buy Now Pay Later
CirclePay - Buy Now Pay Later
by Circle Explorer PVT LTD
Free

This app allows users to shop at partner merchants and split purchases into interest-free monthly installments. Manage payments, track spending, and discover new places to shop, all within a secure platform.

Interest-free installmentsQR code paymentsLink bank accounts/cards
💰 Finance
(2)
free
15
Paypr: Hourly Pay Tracker
Paypr: Hourly Pay Tracker
Paypr: Hourly Pay Tracker
Hours & pay for your helpers
Free
📊 Productivity
(0)
16
MegaPay Mobile
MegaPay Mobile
MegaPay Mobile
by Intelligo Software Ltd.
Free

Access your payslip details, historical P60s, and payment information directly from your smartphone. This app provides 24/7 access for employees, especially remote and field workers, eliminating the need for paper payslips and reducing administrative burdens.

View current payslipsAccess historical payslipsView historical P60s
💼 Business
(1)
free
17
rapid! Pay
rapid! Pay
rapid! Pay
rapid! Access PayCard OnDemand
Free

Access your PayCard and on-demand earnings instantly. Manage your accounts, transfer funds, deposit checks remotely, and pay bills. Earn cash back rewards and find nearby ATMs.

Activate/replace PayCardView balances and transaction historyTransfer funds between accounts
💰 Finance
(189K)
free
18
Payva: Buy Now, Pay Later
Payva: Buy Now, Pay Later
Payva: Buy Now, Pay Later
by Abundant Servicing
Free

Easily manage your existing payment plans in one secure location. Track your payment history, update payment methods, and make payments anytime with real-time updates.

Manage active payment plansMake one-time paymentsUpdate payment methods
💰 Finance
(4)
free
19
Zofi Cash
Zofi Cash
Zofi Cash
Affordable Salary Advances.
Free

Access affordable salary advances before your payday. This digital platform allows employees to receive funds from their employer instantly when financial emergencies arise, offering a faster and simpler way to manage immediate cash needs.

Affordable salary advancesInstant fund accessDigital financial platform
💰 Finance
(4)
free
20
AimsPay
AimsPay
AimsPay
by AIMS CODEV PLT
Free
💰 Finance
(0)

FAQ about Quad Pay

What are the best quad pay apps for iPhone?
Zip - Buy Now, Pay Later tops our quad pay apps ranking as of August 2026, with a 4.9-star average from 853K App Store ratings, and it's free to download.
Yes — 20 of the top quad pay apps we rank are free to download, including Zip - Buy Now, Pay Later and Afterpay: Pay over time.
Zip - Buy Now, Pay Later has no ads and has no in-app purchases, according to its App Store listing as of August 2026.
We track 250+ quad pay apps on the iOS App Store as of August 2026, ranked by rating, recency, and analysis of real user reviews.
Zip is a service that allows you to split your purchases into multiple installments, typically 4 or 8, with payments due every two weeks. It aims to provide a flexible way to manage your spending both online and in physical stores.
You can use Zip to pay over time by splitting your order into installments. You can create a virtual card within the app for easy checkout or get a physical Zip Card. Payments are automatically scheduled every two weeks.

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