1. Home
  2. Topics
  3. Zip Pay Later

Best Zip Pay Later Apps

247+ iOS apps curated and reviewed

4.7 avg rating
20 free apps
Updated September 2026

Every iPhone needs a few good zip pay later apps. We benchmark 247+ 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 Pay Later Apps (September 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Zip - Buy Now, Pay LaterZip - Buy Now, Pay LaterFree4.9★ (858K)NoNoSep 2026
2Sezzle: Buy Now, Pay LaterSezzle: Buy Now, Pay LaterFree4.9★ (301K)NoNoSep 2026
3Afterpay: Pay over timeAfterpay: Pay over timeFree4.9★ (753K)NoNoSep 2026
4Klarna: Smarter everyday moneyKlarna: Smarter everyday moneyFree4.9★ (2.4M)YesNoSep 2026
5Four | Buy Now, Pay LaterFour | Buy Now, Pay LaterFree4.8★ (117K)NoNoSep 2026
6Affirm: Buy now, pay over timeAffirm: Buy now, pay over timeFree4.9★ (1.7M)NoNoSep 2026
7Tamara | Own your DreamTamara | Own your DreamFree4.7★ (59K)NoNoSep 2026
8Deferit: Pay bills in 4Deferit: Pay bills in 4Free4.8★ (34K)YesNoSep 2026

Top Picks for Zip Pay Later

Zip - Buy Now, Pay Later#1

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

Shop Now & Pay Over Time
Editor's Choice
🛍️ Shopping
4.9😊(858K ratings)
Free
#42in 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

  • 💳 Convenient payment option
  • 🤑 Affordable payment plans
  • ⏰ Flexible payment schedules
  • 🤝 Helpful customer service
  • 🆙 Increasing credit limits
  • 🏪 Wide range of merchant partners

Room to Improve

  • 🐛 Unreliable app performance
  • 🤔 Unclear refund/return policies
  • 🤷‍♀️ Inconsistent customer support
  • 🔒 Security/account issues
  • 💰 Unexpected fees/charges
Sezzle: Buy Now, Pay Later#2

Sezzle: Buy Now, Pay Later by Sezzle

Pay Over Time & Earn Rewards
Strong Contender
🛍️ Shopping
4.9😞(301K ratings)
Free
#46in Shopping
Sezzle: Buy Now, Pay Later screenshot 1
Sezzle: Buy Now, Pay Later screenshot 2
Sezzle: Buy Now, Pay Later screenshot 3
Sezzle: Buy Now, Pay Later screenshot 4
Sezzle: Buy Now, Pay Later screenshot 5
Sezzle: Buy Now, Pay Later screenshot 6

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.

What We Love

  • 🚀 Convenient payment option
  • 💳 Flexible payment plans
  • 🏪 Wide range of partner stores
  • 🆙 Increased spending limit with on-time payments
  • 📈 Helps build credit score

Room to Improve

  • 🤖 Poor customer service
  • 🔒 Concerns about security and fraud
  • 🔄 Issues with rescheduling payments
  • 💰 Unexpected fees and charges
  • 🔒 Restricted access to 'premium' stores
  • ⬇️ Decreased spending limits without explanation
Afterpay: Pay over time#3

Afterpay: Pay over time by Afterpay

Shop Now. Split your payments.
Worth Considering
🛍️ Shopping
4.9😐(753K ratings)
Free
#30in 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

  • 🚀 Convenient payment plan
  • 💳 No interest or hidden fees
  • 🤝 Good customer service (initially)
  • 📈 Increasing credit limit with usage
  • 🛒 Wide range of participating stores
  • 🕰️ Flexible payment scheduling
  • 💰 Helps with budgeting and affordability

Room to Improve

  • 🐛 App/website technical issues
  • 🔒 Security and privacy concerns
  • 🤖 Lack of human customer support
  • 🔽 Drastic credit limit reductions
  • 🚫 Accounts closed/banned for minor issues
  • 💳 Incompatibility with certain payment methods
  • 🕰️ Automatic payments causing overdraft issues

More Zip Pay Later apps to explore

FAQ about Zip Pay Later

What are the best zip pay later apps for iPhone?
Zip - Buy Now, Pay Later tops our zip pay later apps ranking as of September 2026, with a 4.9-star average from 858K App Store ratings, and it's free to download.
Yes — 20 of the top zip pay later apps we rank are free to download, including Zip - Buy Now, Pay Later and Sezzle: Buy Now, Pay Later.
Zip - Buy Now, Pay Later has no ads and has no in-app purchases, according to its App Store listing as of September 2026.
We track 247+ zip pay later apps on the iOS App Store as of September 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.