Best Quad Pay Apps

218+ iOS apps curated and reviewed

4.7 avg rating
20 free apps
Updated May 2026

Every iPhone needs a few good quad pay apps. We benchmark 218+ 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 (May 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Zip - Buy Now, Pay LaterZip - Buy Now, Pay LaterFree4.9β˜… (840K)NoNoJul 2026
2Four | Buy Now, Pay LaterFour | Buy Now, Pay LaterFree4.8β˜… (112K)NoNoJul 2026
3Afterpay: Pay over timeAfterpay: Pay over timeFree4.9β˜… (752K)NoNoJul 2026
4Sezzle - Buy Now, Pay LaterSezzle - Buy Now, Pay LaterFree4.9β˜… (294K)NoNoJul 2026
5Affirm: Buy now, pay over timeAffirm: Buy now, pay over timeFree4.9β˜… (1.7M)NoNoJul 2026
6Tabby: Send, spend and saveTabby: Send, spend and saveFree4.8β˜… (83K)NoNoJul 2026
7Tamara | Shop Now Pay LaterTamara | Shop Now Pay LaterFree4.7β˜… (59K)NoNoJul 2026
8Klarna: Smarter everyday moneyKlarna: Smarter everyday moneyFree4.9β˜… (2.3M)YesNoJul 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
πŸ›οΈ Shopping
4.9😊(840K ratings)
Free
#49in 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

  • πŸ’³ Convenient payment option
  • πŸ€‘ Affordable payment plans
  • ⏰ Flexible payment schedules
  • 🀝 Helpful customer service

Room to Improve

  • πŸ› Unreliable app performance
  • πŸ€” Unclear refund/return policies
  • πŸ€·β€β™€οΈ Inconsistent customer support
Four | Buy Now, Pay Later#2

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

Flexible Shopping & Payments
Strong Contender
πŸ›οΈ Shopping
4.8😞(112K ratings)
Free
#60in 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

  • πŸ’³ Convenient payment option
  • πŸ›’ Wide variety of stores
  • πŸ€‘ Affordable payment plans
  • πŸ“ˆ Increasing spending limits

Room to Improve

  • πŸ€– Poor customer service
  • ❌ Declined/canceled orders
  • πŸ’° Unauthorized charges
Afterpay: Pay over time#3

Afterpay: Pay over time by Afterpay

Shop Now. Split your payments.
Worth Considering
πŸ›οΈ Shopping
4.9😐(752K ratings)
Free
#31in 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

  • πŸš€ Convenient payment plan
  • πŸ’³ No interest or hidden fees
  • 🀝 Good customer service (initially)
  • πŸ“ˆ Increasing credit limit with usage

Room to Improve

  • πŸ› App/website technical issues
  • πŸ”’ Security and privacy concerns
  • πŸ€– Lack of human customer support

More Quad Pay apps to explore

4
Sezzle - Buy Now, Pay Later
Sezzle - Buy Now, Pay Later
Sezzle - Buy Now, Pay Later
Shop & Pay in 4ΒΉ
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
πŸ›οΈ Shopping
(294K)
free with in-app purchases
5
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
πŸ›οΈ Shopping
(1.7M)
free with in-app purchases
6
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
πŸ’° Finance
(83K)
free
7
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
πŸ’° Finance
(59K)
free
8
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
πŸ’° Finance
(2.3M)
free with in-app purchases
9
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
πŸ’° Finance
(11K)
free with in-app purchases
10
Deferit: Pay bills in 4
Deferit: Pay bills in 4
Deferit: Pay bills in 4
Buy now pay later for bills
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
πŸ’° Finance
(30K)
free with in-app purchases
11
ZOOD: Buy Now, Pay Later
ZOOD: Buy Now, Pay Later
ZOOD: Buy Now, Pay Later
Shop in up to 12 installments
Free

Shop now and pay over time with flexible installment plans. Access a vast selection of products from trusted sellers and use a virtual card for seamless online purchases. Stay within your budget while getting what you need.

Buy now, pay laterUp to 12 installmentsFlexible payment plans
πŸ›οΈ Shopping
(1.3K)
free
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
πŸ’° Finance
(363K)
free with in-app purchases
13
PayPal - Pay, Send, Save
PayPal - Pay, Send, Save
PayPal - Pay, Send, Save
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
πŸ’° Finance
(6.3M)
free with in-app purchases
14
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
πŸ’° Finance
(27K)
free with in-app purchases
15
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
πŸ’° Finance
(266)
free
16
Shop: All your favorite brands
Shop: All your favorite brands
Shop: All your favorite brands
Shopping app & package tracker
Free

Discover and shop from your favorite brands and local stores, receiving alerts for deals and new arrivals. Organize wishlists, track all your orders in one place, and enjoy a seamless one-tap checkout experience.

Shop favorite brands and local storesPrice drop and restock alertsSave and organize items into collections
πŸ›οΈ Shopping
(7M)
ad-supported
17
Progressive Leasing
Progressive Leasing
Progressive Leasing
by Prog Leasing, LLC
Free

Apply for a lease-to-own purchase from your phone to get the items you need now and pay over time. This app connects you with over 30,000 retail locations nationwide, making it easy to find and acquire your next upgrade, even with less-than-perfect credit.

Apply from home or on the goLease-to-own purchase optionInstant decision for applications
πŸ›οΈ Shopping
(34K)
free with in-app purchases
18
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
πŸ›οΈ Shopping
(25K)
free
19
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
πŸ›οΈ Shopping
(709)
free
20
FlexWallet
FlexWallet
FlexWallet
Shop In Store & Lease to Own
Free

Lease-to-own a variety of items like furniture, electronics, and appliances from your favorite retailers. Apply for a spending limit and receive a virtual card to make purchases, with flexible weekly payments.

Lease-to-own in-store and onlineApply for spending limit up to $2,500Virtual credit card for purchases
πŸ›οΈ Shopping
(2.7K)
free

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 May 2026, with a 4.9-star average from 840K App Store ratings, and it's free to download.
Yes β€” 20 of the top quad pay apps we rank are free to download, including Zip - Buy Now, Pay Later and Four | Buy Now, Pay Later.
Zip - Buy Now, Pay Later has no ads and has no in-app purchases, according to its App Store listing as of May 2026.
We track 218+ quad pay apps on the iOS App Store as of May 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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