Best Zip Afterpay Apps

226+ iOS apps curated and reviewed

4.7 avg rating
20 free apps
Updated June 2026

Finding the right zip afterpay apps can be overwhelming with so many options. We've analyzed 226+ apps to bring you the best choices for 2026, from free options to premium solutions with advanced features.

Compare top Zip Afterpay Apps (June 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Zip - Buy Now, Pay LaterZip - Buy Now, Pay LaterFree4.9β˜… (831K)YesNoJul 2026
2Afterpay: Pay over timeAfterpay: Pay over timeFree4.9β˜… (752K)YesNoJul 2026
3Klarna: Smarter everyday moneyKlarna: Smarter everyday moneyFree4.9β˜… (2.3M)YesNoJul 2026
4Affirm: Buy now, pay over timeAffirm: Buy now, pay over timeFree4.9β˜… (1.7M)YesNoJul 2026
5Four | Buy Now, Pay LaterFour | Buy Now, Pay LaterFree4.8β˜… (109K)NoNoJul 2026
6Sezzle: Buy Now, Pay LaterSezzle: Buy Now, Pay LaterFree4.9β˜… (292K)YesNoJul 2026
7Perpay - Shop and Build CreditPerpay - Shop and Build CreditFree4.9β˜… (11K)YesNoJul 2026
8Tabby: Send, spend and saveTabby: Send, spend and saveFree4.8β˜… (83K)NoNoJul 2026

Top Picks for Zip Afterpay

Zip - Buy Now, Pay Later#1

Zip - Buy Now, Pay Later by Zip Co US, Inc.

Shop & Pay in 4ΒΉ
Editor's Choice
πŸ›οΈ Shopping
4.9😊(831K ratings)
FreeAds
#64in Shopping
Zip - Buy Now, Pay Later screenshot 1
Zip - Buy Now, Pay Later screenshot 2
Zip - Buy Now, Pay Later screenshot 3
Zip - Buy Now, Pay Later screenshot 4
Zip - Buy Now, Pay Later screenshot 5
Zip - Buy Now, Pay Later screenshot 6

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.

What We Love

  • πŸ’³ Convenient payment option
  • πŸ€‘ Affordable payment plans
  • ⏰ Flexible payment schedules
  • 🀝 Helpful customer service

Room to Improve

  • πŸ› Unreliable app performance
  • πŸ€” Unclear refund/return policies
  • πŸ€·β€β™€οΈ Inconsistent customer support
Afterpay: Pay over time#2

Afterpay: Pay over time by Afterpay Holdings Ltd

Shop Now. Split your payments.
Strong Contender
πŸ›οΈ Shopping
4.9😐(752K ratings)
FreeAds
#35in 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 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

  • 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
Klarna: Smarter everyday money#3

Klarna: Smarter everyday money by Klarna Bank AB

Cashback, payments, savings
Worth Considering
πŸ’° Finance
4.9😞(2.3M ratings)
FreeAds
#11in Finance
Klarna: Smarter everyday money screenshot 1
Klarna: Smarter everyday money screenshot 2
Klarna: Smarter everyday money screenshot 3
Klarna: Smarter everyday money screenshot 4
Klarna: Smarter everyday money screenshot 5
Klarna: Smarter everyday money screenshot 6

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.

What We Love

  • πŸ’³ Easy payment process
  • πŸ“¦ Wide range of stores
  • πŸ•°οΈ Flexible payment plans
  • πŸ” Convenient for large purchases

Room to Improve

  • 🚫 Inconsistent approval process
  • ⚠️ Lack of Apple Wallet integration
  • πŸ€– Automated decision-making issues

More Zip Afterpay apps to explore

4
Affirm: Buy now, pay over time
Affirm: Buy now, pay over time
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.

Pay over time online and in-storeFlexible payment optionsDiscover 0% APR deals
πŸ›οΈ Shopping
(1.7M)
free with in-app purchases
5
Four | Buy Now, Pay Later
Four | Buy Now, Pay Later
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.

Split purchases into 4 paymentsPay every two weeksManage orders in one app
πŸ›οΈ Shopping
(109K)
freemium
6
Sezzle: Buy Now, Pay Later
Sezzle: Buy Now, Pay Later
Sezzle: Buy Now, Pay Later
Shop & Pay in 4ΒΉ
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.

Buy now, pay laterPay in 4 interest-free installmentsNo interest or hidden fees
πŸ›οΈ Shopping
(292K)
free with in-app purchases
7
Perpay - Shop and Build Credit
Perpay - Shop and Build Credit
Perpay - Shop and Build Credit
Shop, pay later, build credit
Free

Access up to $1,000 to shop for various goods and pay over time with no interest or fees. Build your credit history by reporting your payment activity to credit bureaus. Apply for a credit card with rewards and no annual fee.

Access up to $1,000 to spendShop top brands on marketplacePay over time with no interest/fees
πŸ’° Finance
(11K)
free with in-app purchases
8
Tabby: Send, spend and save
Tabby: Send, spend and save
Tabby: Send, spend and save
Take power over money
Free

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.

Split purchases into 4 monthly paymentsShop from top brands online and in-storeCompare prices and track deals
πŸ’° Finance
(83K)
free
9
Deferit: Pay bills in 4
Deferit: Pay bills in 4
Deferit: Pay bills in 4
Save & build credit history
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.

Pay bills in 4 installmentsNegotiate lower bill ratesBuild credit history
πŸ’° Finance
(30K)
free with in-app purchases
10
Tamara | Shop Now Pay Later
Tamara | Shop Now Pay Later
Tamara | Shop Now Pay Later
Pay in up to 24, No late fees
Free

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.

Pay in installments or in fullSign up in minutesShop at thousands of partners
πŸ’° Finance
(59K)
free
11
ZOOD: Buy Now, Pay Later
ZOOD: Buy Now, Pay Later
ZOOD: Buy Now, Pay Later
Shop in up to 12 installments
Free

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.

Buy now, pay laterUp to 12 installmentsFlexible payment plans
πŸ›οΈ Shopping
(1.3K)
free
12
PayPal - Pay, Send, Save
PayPal - Pay, Send, Save
PayPal - Pay, Send, Save
Savings, cash back, pay later
Free

Manage your finances with a secure app for online and in-store shopping, sending money globally, and earning cash back. It also offers savings accounts, cryptocurrency trading, and package tracking.

Send and receive money globallyEarn cash back offersRequest a debit card
πŸ’° Finance
(6.3M)
free with in-app purchases
13
Katapult | Shop & Lease to Own
Katapult | Shop & Lease to Own
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.

Lease-to-own purchasesNo credit requiredFlexible payment options
πŸ’° Finance
(27K)
free with in-app purchases
14
Acima: Lease Now & Buy Later
Acima: Lease Now & Buy Later
Acima: Lease Now & Buy Later
Easy Leasing & Payment Options
Free

Lease the items you need without perfect credit. Get approved for up to $4,000 in merchandise like furniture, electronics, and appliances. Shop at thousands of stores or online and make easy payments.

Lease without perfect creditApproved for up to $4,000Shop at thousands of stores
πŸ›οΈ Shopping
(25K)
free
15
Suave: Buy now, pay later.
Suave: Buy now, pay later.
Suave: Buy now, pay later.
Easy shopping.
Free

Shop for items you need and pay them off over time with flexible monthly payment plans. Get prequalified instantly, then use the app to manage your purchases and payments at your favorite stores.

Pay in 4, 6, or 12 monthly installmentsInstant prequalificationShop at favorite stores
πŸ›οΈ Shopping
(692)
free
16
Rain Instant Pay
Rain Instant Pay
Rain Instant Pay
Unlock your employer benefits!
Free

Access your earned wages and employer benefits instantly, anytime. Track your earnings, gain financial insights, and utilize a full suite of financial tools. Manage your money on your terms with secure, on-demand access.

Instant access to earned wagesTrack earnings in real-timeFinancial coaching and education
πŸ’Ό Business
(40K)
free
17
Unzip - ΠΎΡ‚ΠΊΡ€Ρ‹Ρ‚ΡŒ zip,rar,7z
Unzip - ΠΎΡ‚ΠΊΡ€Ρ‹Ρ‚ΡŒ zip,rar,7z
Unzip - ΠΎΡ‚ΠΊΡ€Ρ‹Ρ‚ΡŒ zip,rar,7z
Ρ€Π°ΡΠΏΠ°ΠΊΠΎΠ²Π°Ρ‚ΡŒ & ΡΠΆΠΈΠΌΠ°Ρ‚ΡŒ Ρ„Π°ΠΉΠ»Ρ‹
Free

This app is a powerful tool for extracting and compressing various archive file formats. It supports creating encrypted ZIP files, batch compression of media, and offers multiple file transfer options. It also allows viewing and playing a wide range of document, video, and audio types.

Extracts ZIP, RAR, 7Z, TAR, GZIP, and moreCreates encrypted and password-protected ZIP filesBatch compress photos and videos
πŸ“Š Productivity
(54K)
free with in-app purchases
18
Zap Surveys - Earn Easy Money
Zap Surveys - Earn Easy Money
Zap Surveys - Earn Easy Money
Take a Survey. Get Paid Cash.
Free

Share your opinions with companies and get paid for your advice. Take surveys of varying lengths and types, including logo polling and location-based options. Cash out your earnings via PayPal or various eGift cards once you reach $10.

Take surveys for cashGuaranteed daily surveysLogo polling surveys
🌟 Lifestyle
(265K)
ad-supported
19
ZipApp Lite: The Unarchiver
ZipApp Lite: The Unarchiver
ZipApp Lite: The Unarchiver
Extractor & file manager
Free

Easily unarchive various compressed file formats on your iOS device. Manage files, transfer them via Wi-Fi or iTunes, and open documents with other apps. Supports a wide range of file types, including documents, images, and audio/video.

Unarchive .zip, .rar, .7z, and moreCreate .zip archivesWi-Fi file transfer (FTP/HTTP)
πŸ”§ Utilities
(113)
ad-supported
20
Zipcar: cars on-demand
Zipcar: cars on-demand
Zipcar: cars on-demand
Book cars by the hour or day
Free

Access a network of cars available 24/7 for hourly or daily rentals. Skip car ownership costs and enjoy flexible, convenient transportation for errands or getaways. Includes gas, insurance, and maintenance.

On-demand car accessHourly and daily bookingsContact-free pickup/return
✈️ Travel
(83K)
freemium

FAQ about Zip Afterpay

What are the best zip afterpay apps for iPhone?
Zip - Buy Now, Pay Later tops our zip afterpay apps ranking as of June 2026, with a 4.9-star average from 831K App Store ratings, and it's free to download.
Yes β€” 20 of the top zip afterpay apps we rank are free to download, including Zip - Buy Now, Pay Later and Afterpay: Pay over time.
Zip - Buy Now, Pay Later shows ads and has no in-app purchases, according to its App Store listing as of June 2026.
We track 226+ zip afterpay apps on the iOS App Store as of June 2026, ranked by rating, recency, and analysis of real user reviews.
Zip is a service that allows you to split your purchases into multiple installments, typically 4 or 8, with payments due every two weeks. It aims to provide a flexible way to manage your spending both online and in physical stores.
You can use Zip to pay over time by splitting your order into installments. You can create a virtual card within the app for easy checkout or get a physical Zip Card. Payments are automatically scheduled every two weeks.