Best Zip Bnpl Apps

249+ iOS apps curated and reviewed

3.6 avg rating
18 free apps
Updated November 2026

Every iPhone needs a few good zip bnpl apps. We benchmark 249+ of them on App Store rating, freshness, and pricing, then surface the standouts so you don't have to scroll the App Store yourself.

Compare top Zip Bnpl Apps (November 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Zip - Buy Now, Pay LaterZip - Buy Now, Pay LaterFree4.9β˜… (883K)NoNoNov 2026
2ZIP - ZIP UnZIP Archiver and ToolZIP - ZIP UnZIP Archiver and Tool$1.991.0β˜… (1)NoNoOct 2026
3PayLater: Split Your PaymentsPayLater: Split Your PaymentsFree3.4β˜… (318)NoNoNov 2026
4CirclePay - Buy Now Pay LaterCirclePay - Buy Now Pay LaterFree3.0β˜… (2)NoNoOct 2026
5Sezzle: Buy Now, Pay LaterSezzle: Buy Now, Pay LaterFree4.9β˜… (309K)NoNoNov 2026
6Afterpay: Pay over timeAfterpay: Pay over timeFree4.9β˜… (753K)NoNoNov 2026
7Tabby: Send, spend and saveTabby: Send, spend and saveFree4.8β˜… (86K)NoNoNov 2026
8Affirm: Buy now, pay over timeAffirm: Buy now, pay over timeFree4.9β˜… (1.9M)NoNoNov 2026

Top Picks for Zip Bnpl

Zip - Buy Now, Pay Later#1

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

Shop Now & Pay Over Time
Editor's Choice
πŸ’° Finance
4.9😊(883K ratings)
Free
#55in Finance
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 flexible installments for everyday expenses, bills, and larger buys. Shop online or in-store using a virtual card, with no hard credit checks impacting your score. Manage payments and reschedule installments for greater flexibility.

What We Love

  • πŸ’³ Convenient payment option
  • πŸ€‘ Affordable payment plans
  • ⏰ Flexible payment schedules
  • 🀝 Helpful customer service
  • πŸ†™ Increasing credit limits
  • πŸͺ Wide range of merchant partners

Room to Improve

  • πŸ› Unreliable app performance
  • πŸ€” Unclear refund/return policies
  • πŸ€·β€β™€οΈ Inconsistent customer support
  • πŸ”’ Security/account issues
  • πŸ’° Unexpected fees/charges
PayLater: Split Your Payments#3

PayLater: Split Your Payments by Pay Later

Relax, PayLater
Worth Considering
πŸ’° Finance
3.4😞(318 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

  • πŸ‘ Trusted
  • πŸ‘ Great experience

Room to Improve

  • πŸ’‘ No Arabic language support
  • πŸ’‘ Low spending limit
  • πŸ› Debit card not supported
  • πŸ› OTP not received
  • πŸ› Unable to delete app and restart
  • πŸ› Discriminatory spending limits between customers

More Zip Bnpl apps to explore

FAQ about Zip Bnpl

What are the best zip bnpl apps for iPhone?
Zip - Buy Now, Pay Later tops our zip bnpl apps ranking as of November 2026, with a 4.9-star average from 883K App Store ratings, and it's free to download.
Yes β€” 18 of the top zip bnpl apps we rank are free to download, including Zip - Buy Now, Pay Later and PayLater: Split Your Payments.
Zip - Buy Now, Pay Later has no ads and has no in-app purchases, according to its App Store listing as of November 2026.
We track 249+ zip bnpl apps on the iOS App Store as of November 2026, ranked by rating, recency, and analysis of real user reviews.