Best Split Payments Apps

234+ iOS apps curated and reviewed

4.6 avg rating
20 free apps
Updated May 2026

Four | Buy Now, Pay Later is the household name in split payments, but it's far from the only option. We track 234+ alternatives and competitors on iOS β€” many free, many higher-rated than you'd expect.

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
πŸ›οΈ Shopping
4.8😞(106K ratings)
Free
#58in 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 now, pay later at your favorite stores with an app that allows you to split payments into four interest-free installments every 2 weeks. Manage orders, payments, and get notified before due dates. Discover new retailers in the app directory. Happy shopping!

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
Tabby: Pay over time#2

Tabby: Pay over time by Tabby FZ LLC

Pay in 4. No hidden fees
Strong Contender
πŸ’° Finance
4.8😞(82K ratings)
Free
Tabby: Pay over time screenshot 1
Tabby: Pay over time screenshot 2
Tabby: Pay over time screenshot 3
Tabby: Pay over time screenshot 4
Tabby: Pay over time screenshot 5
Tabby: Pay over time screenshot 6

Shop at your favorite brands and split purchases into 4 interest-free payments with Tabby. Track payments, get discounts, and explore thousands of products and brands. Take control of your spending with Tabby's convenient features and 24/7 chat support.

What We Love

  • πŸ’‘ Convenient installment payments
  • πŸ‘ Easy to use app
  • πŸš€ Smooth and efficient service
  • πŸ€‘ Helps manage budget and afford purchases

Room to Improve

  • πŸ› Unclear purchasing power and lack of transparency
  • πŸ€·β€β™€οΈ Uninformed and unhelpful customer support
  • 🚫 Risk of permanent ban for failed purchases
Afterpay: Pay over time#3

Afterpay: Pay over time by Afterpay Holdings Ltd

Shop Now. Split your payments.
Worth Considering
πŸ›οΈ Shopping
3.1😐(384 ratings)
FreeAds
#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 fashion, beauty, and tech with the app that lets you buy now, pay later in four interest-free payments. Browse brands, products, discounts, and gift cards across various categories, manage orders, get price drop alerts, use in stores, and access customer support. Download now and enjoy the benefits of Afterpay!

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 Split Payments apps to explore

4
PayLater - Split in 4 payments
PayLater - Split in 4 payments
PayLater - Split in 4 payments
The Only Way to Split Pay
Free
πŸ’° Finance
(253)
5
Zip - Buy Now, Pay Later
Zip - Buy Now, Pay Later
Zip - Buy Now, Pay Later
Shop & Pay in 4ΒΉ
Free

Shop now and pay later with Zip! Enjoy the convenience of making purchases without upfront payments. Experience hassle-free shopping today.

πŸ›οΈ Shopping
(820K)
6
Tamara | Shop Now Pay Later
Tamara | Shop Now Pay Later
Tamara | Shop Now Pay Later
Pay in up to 24, No late fees
Free

Discover new and trending fashion items from top brands curated just for you. Get personalized recommendations based on your style preferences and shop the latest trends effortlessly. Update your wardrobe with ease!

πŸ’° Finance
(59K)
7
Affirm: Buy now, pay over time
Affirm: Buy now, pay over time
Affirm: Buy now, pay over time
Flexible payments, big savings
Free

Shop stress-free with the Affirm app: pay over time at any store, access exclusive deals with low rates, manage your account and payments, and open a high-yield Money Account. Use the Affirm Card online or in-person, request payment plans, link your bank account, and shop easily with flexible payment options.

πŸ›οΈ Shopping
(1.7M)
8
Sezzle: Buy Now, Pay Later
Sezzle: Buy Now, Pay Later
Sezzle: Buy Now, Pay Later
Shop & Pay in 4ΒΉ
Free

Shop clothing, beauty products, electronics, and more with flexible payment options through our app. Buy now and pay later in easy installments to make shopping convenient and affordable for you. Start shopping today and enjoy the freedom to pay at your own pace.

πŸ›οΈ Shopping
(288K)
9
Deferit: Pay bills in 4
Deferit: Pay bills in 4
Deferit: Pay bills in 4
Save & build credit history
Free

Pay and manage your bills effortlessly with our app. Take a photo of your bill, select the amount, and we pay it for you. Save money, build credit history, and join over 500,000 users taking control of their bills today!

πŸ’° Finance
(23K)
10
Perpay - Shop and Build Credit
Perpay - Shop and Build Credit
Perpay - Shop and Build Credit
Shop, pay later, build credit
Free

Shop, pay later, and build credit with an all-in-one shopping app. Buy your favorite brands and pay over time to improve your credit score. Start shopping smart today!

πŸ’° Finance
(8.4K)
11
Klarna: Smarter everyday money
Klarna: Smarter everyday money
Klarna: Smarter everyday money
Shop anywhere, manage & save
Free

Shop now and pay later with our online shopping app. Enjoy the convenience of deferred payments with easy installment options. Download now for effortless shopping!

πŸ’° Finance
(2.2M)
12
Split Pay – Pay Rent in Two
Split Pay – Pay Rent in Two
Split Pay – Pay Rent in Two
Pay rent on your schedule
Free

A secure and fee-free rent payment app that directly transfers money to landlords, allows scheduling of one-time or repeat payments, and offers the option to report rent payments to credit bureaus for building credit. Simply connect your bank account, enter rent details, and your landlord will be notified once payment is made. Prioritizing security with end-to-end encryption, SOC2 compliance, and proactive defense measures.

πŸ’° Finance
(9.5K)
13
PayPal - Pay, Send, Save
PayPal - Pay, Send, Save
PayPal - Pay, Send, Save
Savings, cash back, pay later
Free

An all-in-one app for sending money, managing your account, earning cash back, and growing your savings with high-yield options. Easily send money for free, get cash back on purchases, and manage your finances all in one place. Check it out now for a simple and secure way to stay on top of your financial transactions!

πŸ’° Finance
(6.3M)
14
Katapult | Shop & Lease to Own
Katapult | Shop & Lease to Own
Katapult | Shop & Lease to Own
Browse, shop, lease, and own.
Free

Discover a revolutionary shopping companion that uses cutting-edge technology to enhance your shopping experience. Find personalized recommendations, exclusive deals, and seamless checkout options all in one place. Elevate your shopping with Katapult today!

πŸ’° Finance
(27K)
15
Acima: Lease Now & Buy Later
Acima: Lease Now & Buy Later
Acima: Lease Now & Buy Later
Easy Leasing & Payment Options
Free

Lease must-have merchandise up to $4,000 without credit or cash using Acima. Shop furniture, electronics, appliances, and more from thousands of stores. Manage your lease details, payments, and agreements conveniently with the app.

πŸ›οΈ Shopping
(24K)
16
Flex - Rent On Your Schedule
Flex - Rent On Your Schedule
Flex - Rent On Your Schedule
Pay rent on your own schedule
Free

An app that helps users pay their rent on a flexible schedule by splitting it into two payments, aiding in timely rent payments, cash flow management, and credit history improvement. Membership fee of $14.99/month plus 1% bill payment fee.

πŸ’° Finance
(391K)
17
Beem: Cash Advance & Banking
Beem: Cash Advance & Banking
Beem: Cash Advance & Banking
Bank, Budget & Build Credit
Free

Get instant access to verified bank deposits and emergency funds with Beem. Subscribe for as low as $2.47/month to access features like early withdrawals, job loss protection, and more. Say goodbye to traditional cash advance apps and payday loans.

πŸ’° Finance
(30K)
18
tricount: Split & Settle Bills
tricount: Split & Settle Bills
tricount: Split & Settle Bills
Bill Splitter & Track Expenses
Free

A bill-sharing application for groups to easily split expenses, create shared accounts, and track spending for various occasions like holidays and shared living. With features like uneven expense division, notifications, and offline functionality, it simplifies managing group finances. Users can create a tricount, share the link, and enjoy hassle-free expense management.

πŸ’° Finance
(7K)
19
Split Pay
Split Pay
Split Pay
Split Better, Save More
Free

This application helps users easily divide group bills and save money by snapping a photo of the check, matching items with friends, and settling up instantly. It provides a seamless group dining experience by accurately allocating tips and tax, and allowing users to settle up instantly with integrated payment options.

πŸ” Food & Drink
(22)
20
Livble - Split your rent
Livble - Split your rent
Livble - Split your rent
Pay rent on your own schedule
Free

Split your rent easily with our app - pay your rent in flexible installments throughout the month. Take control of your rent payments with Livble today!

πŸ’° Finance
(1.8K)

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