Best Split Payments Apps

250+ iOS apps curated and reviewed

4.8 avg rating
20 free apps
Updated October 2026

Four | Buy Now, Pay Later is the household name in split payments, but it's far from the only option. We track 250+ alternatives and competitors on iOS — many free, many higher-rated than you'd expect.

Compare top Split Payments Apps (October 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Four | Buy Now, Pay LaterFour | Buy Now, Pay LaterFree4.8★ (121K)NoNoOct 2026
2Affirm: Buy now, pay over timeAffirm: Buy now, pay over timeFree4.9★ (1.8M)NoNoOct 2026
3PayLater: Split Your PaymentsPayLater: Split Your PaymentsFree3.5★ (304)NoNoOct 2026
4Zip - Buy Now, Pay LaterZip - Buy Now, Pay LaterFree4.9★ (872K)NoNoOct 2026
5Sezzle: Buy Now, Pay LaterSezzle: Buy Now, Pay LaterFree4.9★ (305K)NoNoOct 2026
6Tamara | Own your DreamTamara | Own your DreamFree4.7★ (59K)NoNoOct 2026
7Afterpay: Pay over timeAfterpay: Pay over timeFree4.9★ (753K)NoNoOct 2026
8Perpay - Shop and Build CreditPerpay - Shop and Build CreditFree4.9★ (23K)NoNoOct 2026

Top Picks for Split Payments

Four | Buy Now, Pay Later#1

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

Flexible Shopping & Payments
Editor's Choice
🛍️ Shopping
4.8😞(121K ratings)
Free
#51in 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
Affirm: Buy now, pay over time#2

Affirm: Buy now, pay over time by Affirm, Inc.

Flexible payments, big savings
Strong Contender
🛍️ Shopping
4.9😞(1.8M ratings)
Free
#19in Shopping
Affirm: Buy now, pay over time screenshot 1
Affirm: Buy now, pay over time screenshot 2
Affirm: Buy now, pay over time screenshot 3
Affirm: Buy now, pay over time screenshot 4
Affirm: Buy now, pay over time screenshot 5
Affirm: Buy now, pay over time screenshot 6

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.

What We Love

  • 🙏 Helpful in tough times
  • 💳 Convenient financing option
  • 📈 Improved credit score

Room to Improve

  • 🤔 Confusing payment process
  • 🔒 Security and privacy concerns
  • 🔍 Difficulty verifying identity
  • 🚫 Unexpected account closures
  • 💰 High interest rates
PayLater: Split Your Payments#3

PayLater: Split Your Payments by Pay Later

Relax, PayLater
Worth Considering
💰 Finance
3.5😞(304 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

More Split Payments apps to explore

FAQ about Split Payments

What are the best split payments apps for iPhone?
Four | Buy Now, Pay Later tops our split payments apps ranking as of October 2026, with a 4.8-star average from 121K App Store ratings, and it's free to download.
Yes — 20 of the top split payments apps we rank are free to download, including Four | Buy Now, Pay Later and Affirm: Buy now, pay over time.
Four | Buy Now, Pay Later has no ads and has no in-app purchases, according to its App Store listing as of October 2026.
We track 250+ split payments apps on the iOS App Store as of October 2026, ranked by rating, recency, and analysis of real user reviews.

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