Best Zilch Apps & Games

Four | Buy Now, Pay Later

Flexible Shopping & Payments

Free

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.

Katapult | Shop & Lease to Own

Browse, shop, lease, and own.

Free

Shop now and pay over time with a lease-to-own option that doesn't require credit. Browse over 100 retailers, manage your leases, and make payments easily through the app. Take home essential items without paying upfront.

Music Plaza-Kpop Album & Merch

by Kit Media, Inc.

Free

Shop for the latest K-Pop albums, merchandise, and exclusive items directly from Korea. Discover new releases and find unique goods from your favorite artists.

CirclePay - Buy Now Pay Later

by Circle Explorer PVT LTD

Free

This app allows users to shop at partner merchants and split purchases into interest-free monthly installments. Manage payments, track spending, and discover new places to shop, all within a secure platform.

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.

OldOfSea

2D MMORPG Pirate War

Free

Embark on a thrilling 2D MMORPG pirate adventure. Customize your ship, recruit a crew, and battle other players in real-time PvP. Explore a vast world, hunt epic bosses, and form alliances to dominate the seas.

Sezzle: Buy Now, Pay Later

Pay Over Time & 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.

Newpay

Buying big? Spread the cost.

Free

Manage your credit account on the go with this secure mobile app. View your balance, track transactions, make payments, and manage your direct debit. Access retailer information and update your contact details easily.

PayLater: Split Your Payments

Relax, PayLater

Free

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.

MetroMan Hong Kong

Hong Kong MTR Octopus

Free

Navigate Hong Kong's metro system with accurate maps and a powerful route planner. This app works offline and supports 11 languages, making it ideal for travelers. It also covers transit in 53 cities worldwide.

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.

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.

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.

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.

Beem: Cash Advance & Banking

Bank, Budget & Build Credit

Free

This app offers instant cash advances up to $1,000 without interest or credit checks. It also automatically builds your credit with every purchase and provides AI-powered financial tools to optimize your money.