Best Split Payment Apps

4.8😞(117K ratings)

Free

#54in Shopping

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

Afterpay: Pay over time by Afterpay

Shop Now. Split your payments.

Strong Contender

4.9😐(753K ratings)

Free

#33in Shopping

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
🛒 Wide range of participating stores
🕰️ Flexible payment scheduling
💰 Helps with budgeting and affordability

Room to Improve

🐛 App/website technical issues
🔒 Security and privacy concerns
🤖 Lack of human customer support
🔽 Drastic credit limit reductions
🚫 Accounts closed/banned for minor issues
💳 Incompatibility with certain payment methods
🕰️ Automatic payments causing overdraft issues

PayLater: Split Your Payments by Pay Later

Relax, PayLater

Worth Considering

Sezzle: Buy Now, Pay Later

3.5😞(298 ratings)

Free

PayLater: Split Your Payments screenshot 1

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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

More Split Payment Apps apps to explore

Pay Over Time & Earn Rewards

Buy now, pay laterPay in 4 interest-free installmentsNo interest or hidden fees

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.

(302K)

Zip - Buy Now, Pay Later

Shop Now & Pay Over Time

Split payments into 4 or 8 installmentsBi-weekly payment scheduleVirtual and physical payment cards

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.

(866K)

Pay in up to 24, No late fees

Tamara | Own your Dream

Pay in installments or in fullSign up in minutesShop at thousands of partners

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.

(59K)

Split Pay: Split Bills in Two

Rent, Mortgage & Car Payments

Split rent into two paymentsBuild credit historyImprove budgeting

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.

(16K)

Affirm: Buy now, pay over time

Flexible payments, big savings

Pay over time online and in-storeFlexible payment optionsDiscover 0% APR deals

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.

(1.7M)

Split up and save on bills

Pay with Sublime

Split bills into smaller paymentsEarn 5% cash back on timely paymentsAutomatic bill negotiation

This app helps you lower your bills by splitting payments and earning cash back. It automatically finds savings, negotiates on your behalf, and tracks your subscriptions. Take control of your finances and reduce expenses without direct customer service calls.

(157)

Klarna: Smarter everyday money

Cashback, payments, savings

Flexible payment optionsInterest-free installmentsUp to 10% cashback

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.

(2.4M)

Real-Time Installment Control

Splitit Go

Real-time installment controlMobile-first point-of-saleIntuitive workflow

Manage installment payments with a mobile-first point-of-sale experience. This app offers speed, clarity, and control for merchants, simplifying complex installment management into an intuitive workflow for in-store or on-the-go use.

(1)

Buy now pay later for bills

Deferit: Pay bills in 4

Pay bills in 4 installmentsNegotiate lower bill ratesBuild credit history

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.

(34K)

SplitAura: Split Bills & Tabs

Scan receipts, settle expenses

Partly: Split group bills

Roommates, trips, get paid

Split - Scan & Split Bills

Split bills, scan receipts

SnapTab: Split Bills Instantly

Split bills with a snap.

Tangerine: Split & Expenses

Scan receipts, split the bill.

Share bill and payment info!

Tabby: Split Receipts

🔧 Utilities

Split bills. Track payments!

Hati - Split Bills Fast

🔧 Utilities

Tabby: Send, spend and save

Take power over money

Split purchases into 4 monthly paymentsShop from top brands online and in-storeCompare prices and track deals

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.

(85K)