Best Spilt Payment Apps

250+ iOS apps curated and reviewed

4.8 avg rating
20 free apps
Updated September 2026

From beginner-friendly picks to power-user tools, our spilt payment list covers 250+ iPhone apps updated through September 2026. Compare ratings, prices, and screenshots in one place.

Compare top Spilt Payment Apps (September 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1PayLater: Split Your PaymentsPayLater: Split Your PaymentsFree3.5★ (298)NoNoSep 2026
2Sezzle: Buy Now, Pay LaterSezzle: Buy Now, Pay LaterFree4.9★ (302K)NoNoSep 2026
3Four | Buy Now, Pay LaterFour | Buy Now, Pay LaterFree4.8★ (120K)NoNoSep 2026
4Zip - Buy Now, Pay LaterZip - Buy Now, Pay LaterFree4.9★ (868K)NoNoSep 2026
5Split Pay: Split Bills in TwoSplit Pay: Split Bills in TwoFree4.9★ (16K)NoNoSep 2026
6Deferit: Pay bills in 4Deferit: Pay bills in 4Free4.8★ (34K)YesNoSep 2026
7Tamara | Own your DreamTamara | Own your DreamFree4.7★ (59K)NoNoSep 2026
8Tabby: Send, spend and saveTabby: Send, spend and saveFree4.8★ (85K)NoNoSep 2026

Top Picks for Spilt Payment

PayLater: Split Your Payments#1

PayLater: Split Your Payments by Pay Later

Relax, PayLater
Editor's Choice
💰 Finance
3.5😞(298 ratings)
Free
PayLater: Split Your Payments screenshot 1
PayLater: Split Your Payments screenshot 2
PayLater: Split Your Payments screenshot 3
PayLater: Split Your Payments screenshot 4
PayLater: Split Your Payments screenshot 5
PayLater: Split Your Payments screenshot 6

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
Sezzle: Buy Now, Pay Later#2

Sezzle: Buy Now, Pay Later by Sezzle

Pay Over Time & Earn Rewards
Strong Contender
🛍️ Shopping
4.9😞(302K ratings)
Free
#48in Shopping
Sezzle: Buy Now, Pay Later screenshot 1
Sezzle: Buy Now, Pay Later screenshot 2
Sezzle: Buy Now, Pay Later screenshot 3
Sezzle: Buy Now, Pay Later screenshot 4
Sezzle: Buy Now, Pay Later screenshot 5
Sezzle: Buy Now, Pay Later screenshot 6

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.

What We Love

  • 🚀 Convenient payment option
  • 💳 Flexible payment plans
  • 🏪 Wide range of partner stores
  • 🆙 Increased spending limit with on-time payments
  • 📈 Helps build credit score

Room to Improve

  • 🤖 Poor customer service
  • 🔒 Concerns about security and fraud
  • 🔄 Issues with rescheduling payments
  • 💰 Unexpected fees and charges
  • 🔒 Restricted access to 'premium' stores
  • ⬇️ Decreased spending limits without explanation
Four | Buy Now, Pay Later#3

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

Flexible Shopping & Payments
Worth Considering
🛍️ Shopping
4.8😞(120K ratings)
Free
#41in 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
  • 🤩 Great app experience

Room to Improve

  • 🤖 Poor customer service
  • ❌ Declined/canceled orders
  • 💰 Unauthorized charges
  • 🕰️ Slow refund processing
  • 🔒 Account/login issues

More Spilt Payment apps to explore

FAQ about Spilt Payment

What are the best spilt payment apps for iPhone?
PayLater: Split Your Payments tops our spilt payment apps ranking as of September 2026, with a 3.5-star average from 298 App Store ratings, and it's free to download.
Yes — 20 of the top spilt payment apps we rank are free to download, including PayLater: Split Your Payments and Sezzle: Buy Now, Pay Later.
PayLater: Split Your Payments has no ads and has no in-app purchases, according to its App Store listing as of September 2026.
We track 250+ spilt payment apps on the iOS App Store as of September 2026, ranked by rating, recency, and analysis of real user reviews.
PayLater is a buy now, pay later service that allows you to split your purchases into four equal, flexible installments. It offers a smarter way to shop by providing transparent payment options with no hidden fees.
You can use PayLater to shop at participating retailers and split your payment into four equal installments. The onboarding process is fast and easy, requiring simple KYC and approval. Transactions are secure and processed locally.