Best Zilch Apps & Games

69+ iOS apps & games curated and reviewed

4.6 avg rating
20 free apps & games
Updated October 2026

Looking for free zilch apps and games? 20 of our 69+ tracked titles are free to download — no subscription, no trial. The rest are premium picks worth paying for.

Compare top Zilch Apps & Games (October 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Tabby: Send, spend and saveTabby: Send, spend and saveFree4.8★ (86K)NoNoOct 2026
2Four | Buy Now, Pay LaterFour | Buy Now, Pay LaterFree4.8★ (124K)NoNoOct 2026
3ZOOD: Buy Now, Pay LaterZOOD: Buy Now, Pay LaterFree4.4★ (1.3K)NoNoOct 2026
4Perpay - Shop and Build CreditPerpay - Shop and Build CreditFree4.9★ (24K)NoNoOct 2026
5CirclePay - Buy Now Pay LaterCirclePay - Buy Now Pay LaterFree3.0★ (2)NoNoOct 2026
6LNB TVLNB TVFree5.0★ (1)NoNoAug 2026
7Katapult | Shop & Lease to OwnKatapult | Shop & Lease to OwnFree4.8★ (29K)NoNoOct 2026
8Afterpay: Pay over timeAfterpay: Pay over timeFree4.9★ (753K)NoNoOct 2026

Top Picks for Zilch

Tabby: Send, spend and save#1

Tabby: Send, spend and save by Tabby FZ LLC

Take power over money
Editor's Choice
💰 Finance
4.8😞(86K ratings)
Free
Tabby: Send, spend and save screenshot 1
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Tabby: Send, spend and save screenshot 3
Tabby: Send, spend and save screenshot 4
Tabby: Send, spend and save screenshot 5
Tabby: Send, spend and save screenshot 6

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.

What We Love

  • 💡 Convenient installment payments
  • 👍 Easy to use app
  • 🚀 Smooth and efficient service
  • 🤑 Helps manage budget and afford purchases

Room to Improve

  • 🐛 Unclear purchasing power and lack of transparency
  • 🤷‍♀️ Uninformed and unhelpful customer support
  • 🚫 Risk of permanent ban for failed purchases
  • 🤬 Inaccurate payment charges and unprofessional customer service
  • 🙅‍♀️ Unauthorized notifications and spam
  • 🤔 Inconsistent and unreliable service
  • 🚫 Limited availability in certain regions
Four | Buy Now, Pay Later#2

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

Flexible Shopping & Payments
Strong Contender
🛍️ Shopping
4.8😞(124K ratings)
Free
#38in Shopping
Four | Buy Now, Pay Later screenshot 1
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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
ZOOD: Buy Now, Pay Later#3

ZOOD: Buy Now, Pay Later by OrientSwiss SA

Shop in up to 12 installments
Worth Considering
🛍️ Shopping
4.4😐(1.3K ratings)
Free
ZOOD: Buy Now, Pay Later screenshot 1
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Shop now and pay over time with flexible installment plans. Access a vast selection of products from trusted sellers and use a virtual card for seamless online purchases. Stay within your budget while getting what you need.

What We Love

  • 👍 Professional work
  • 👍 Excellent customer service
  • 👍 Easy to use and buy
  • 👍 Great variety of products
  • 👍 Affordable prices

Room to Improve

  • 🐛 Delivery issues
  • 🐛 Unreliable customer support
  • 💰 Exaggerated pricing
  • 🐛 Buggy app and crashes
  • 🐛 Canceled orders without explanation

More Zilch apps to explore

FAQ about Zilch

What are the best zilch apps & games for iPhone?
Tabby: Send, spend and save tops our zilch apps & games ranking as of October 2026, with a 4.8-star average from 86K App Store ratings, and it's free to download.
Yes — 20 of the top zilch apps & games we rank are free to download, including Tabby: Send, spend and save and Four | Buy Now, Pay Later.
Tabby: Send, spend and save has no ads and has no in-app purchases, according to its App Store listing as of October 2026.
We track 69+ zilch apps & games on the iOS App Store as of October 2026, ranked by rating, recency, and analysis of real user reviews.

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