Best Split Payment Apps

249+ iOS apps curated and reviewed

4.8 avg rating
20 free apps
Updated August 2026

Whether you're new to split payment apps or looking for an upgrade, our curated collection of 249+ iOS apps has something for everyone. Each app is reviewed and rated by real users, helping you make an informed decision.

Compare top Split Payment Apps (August 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Split Pay: Rent, Mortgage, CarSplit Pay: Rent, Mortgage, CarFree4.9β˜… (14K)NoNoAug 2026
2Four | Buy Now, Pay LaterFour | Buy Now, Pay LaterFree4.8β˜… (112K)NoNoAug 2026
3PayLater - Split in 4 paymentsPayLater - Split in 4 paymentsFree3.5β˜… (271)NoNoAug 2026
4Zip - Buy Now, Pay LaterZip - Buy Now, Pay LaterFree4.9β˜… (846K)NoNoAug 2026
5Sezzle: Buy Now, Pay LaterSezzle: Buy Now, Pay LaterFree4.9β˜… (297K)NoNoAug 2026
6Klarna: Smarter everyday moneyKlarna: Smarter everyday moneyFree4.9β˜… (2.3M)YesNoAug 2026
7Afterpay: Pay over timeAfterpay: Pay over timeFree4.9β˜… (752K)NoNoAug 2026
8Deferit: Pay bills in 4Deferit: Pay bills in 4Free4.8β˜… (31K)YesNoAug 2026

Top Picks for Split Payment Apps

Split Pay: Rent, Mortgage, Car#1

Split Pay: Rent, Mortgage, Car by Visible Ideas

Bills that fit your paycheck
Editor's Choice
πŸ’° Finance
4.9😊(14K ratings)
Free
#84in Finance
Split Pay: Rent, Mortgage, Car screenshot 1
Split Pay: Rent, Mortgage, Car screenshot 2
Split Pay: Rent, Mortgage, Car screenshot 3
Split Pay: Rent, Mortgage, Car screenshot 4
Split Pay: Rent, Mortgage, Car screenshot 5

This app allows renters to divide their monthly rent into two smaller, more manageable payments. It helps with budgeting and can also be used to build credit history by reporting on-time payments.

What We Love

  • πŸš€ Great service with team members that go above and beyond
  • πŸ‘ Easy to use and intuitive
  • πŸ’‘ Helpful split pay feature
  • πŸš€ Smooth and seamless process

Room to Improve

  • πŸ› Delayed rent payments to landlord
  • πŸ› Accounts suspended with no explanation
  • πŸ› Difficult to get approved for split pay
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
#63in 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
PayLater - Split in 4 payments#3

PayLater - Split in 4 payments by Pay Later

The Only Way to Split Pay
Worth Considering
πŸ’° Finance
3.5😞(271 ratings)
Free
PayLater - Split in 4 payments screenshot 1
PayLater - Split in 4 payments screenshot 2
PayLater - Split in 4 payments screenshot 3
PayLater - Split in 4 payments screenshot 4
PayLater - Split in 4 payments screenshot 5
PayLater - Split in 4 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

  • πŸ‘ Trusted
  • πŸ‘ Great experience

Room to Improve

  • πŸ’‘ No Arabic language support
  • πŸ’‘ Low spending limit
  • πŸ› Debit card not supported

More Split Payment Apps apps to explore

4
Zip - Buy Now, Pay Later
Zip - Buy Now, Pay Later
Zip - Buy Now, Pay Later
Shop Now & Pay Over Time
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
πŸ›οΈ Shopping
(846K)
free with in-app purchases
5
Sezzle: Buy Now, Pay Later
Sezzle: Buy Now, Pay Later
Sezzle: Buy Now, Pay Later
Pay in 4 & 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
πŸ›οΈ Shopping
(297K)
free with in-app purchases
6
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
7
Afterpay: Pay over time
Afterpay: Pay over time
Afterpay: Pay over time
Shop Now. Split your payments.
Free

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.

Split purchases into 4 paymentsMonthly payment options availableDiscover exclusive deals and brands
πŸ›οΈ Shopping
(752K)
free with in-app purchases
8
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
(31K)
free with in-app purchases
9
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
(84K)
free
10
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
11
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
πŸ’° Finance
(59K)
free
12
Flex - Rent On Your Schedule
Flex - Rent On Your Schedule
Flex - Rent On Your Schedule
Split rent anywhere you live
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
πŸ’° Finance
(455K)
free with in-app purchases
13
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
πŸ’° Finance
(6.3M)
free with in-app purchases
14
SplitAura: Split Bills & Tabs
SplitAura: Split Bills & Tabs
SplitAura: Split Bills & Tabs
Scan receipts, settle expenses
Free
πŸ’° Finance
(0)
15
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
(367K)
free with in-app purchases
16
Slicer - Split Bills with AI
Slicer - Split Bills with AI
Slicer - Split Bills with AI
by Osama Yasin
Free
πŸ’° Finance
(0)
17
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
18
Tabby: Split Receipts
Tabby: Split Receipts
Tabby: Split Receipts
Share bill and payment info!
Free
πŸ”§ Utilities
(0)
19
Split – Pay Together
Split – Pay Together
Split – Pay Together
Split bills with friends
Free

Easily divide expenses with friends and track shared costs. This app simplifies group payments for everything from rent to vacations, allowing guests to pay via various methods even without the app. It automates reminders and provides transparent totals for stress-free financial management.

Split bills with friendsTrack shared expensesCollect payments instantly
πŸ’° Finance
(488)
free
20
Split – Share with Ease
Split – Share with Ease
Split – Share with Ease
Bills made easy
Free

Effortlessly manage and split expenses with friends, family, or colleagues. This app prioritizes your privacy by not collecting or storing any personal data. Easily add people, categorize costs, and generate shareable invoices for seamless bill management.

No personal data collectionEasy bill splittingCustomizable expense categories
πŸ’° Finance
(2)
free

FAQ about Split Payment Apps

What are the best split payment apps for iPhone?
Split Pay: Rent, Mortgage, Car tops our split payment apps ranking as of August 2026, with a 4.9-star average from 14K App Store ratings, and it's free to download.
Yes β€” 20 of the top split payment apps we rank are free to download, including Split Pay: Rent, Mortgage, Car and Four | Buy Now, Pay Later.
Split Pay: Rent, Mortgage, Car has no ads and has no in-app purchases, according to its App Store listing as of August 2026.
We track 249+ split payment apps on the iOS App Store as of August 2026, ranked by rating, recency, and analysis of real user reviews.
Split Pay allows you to divide your monthly rent into two smaller payments, making it easier to manage your finances. You can pay half on your rent due date and the other half two weeks later. This feature aims to reduce rent day stress and improve budgeting.
When you opt into free credit reporting and use autopay, your on-time rent payments are reported to credit bureaus. Payment history is a significant factor in credit scores, so consistently paying rent on time through the app can help you build a stronger credit history.