Best Zip Payments Apps

249+ iOS apps curated and reviewed

4.7 avg rating
20 free apps
Updated September 2026

From beginner-friendly picks to power-user tools, our zip payments list covers 249+ iPhone apps updated through September 2026. Compare ratings, prices, and screenshots in one place.

Compare top Zip Payments Apps (September 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Zip - Buy Now, Pay LaterZip - Buy Now, Pay LaterFree4.9★ (872K)NoNoOct 2026
2Affirm: Buy now, pay over timeAffirm: Buy now, pay over timeFree4.9★ (1.8M)NoNoOct 2026
3Afterpay: Pay over timeAfterpay: Pay over timeFree4.9★ (753K)NoNoOct 2026
4Klarna: Smarter everyday moneyKlarna: Smarter everyday moneyFree4.9★ (2.4M)YesNoOct 2026
5Four | Buy Now, Pay LaterFour | Buy Now, Pay LaterFree4.8★ (121K)NoNoOct 2026
6Sezzle: Buy Now, Pay LaterSezzle: Buy Now, Pay LaterFree4.9★ (304K)NoNoOct 2026
7PayPal - Pay, Send, SavePayPal - Pay, Send, SaveFree4.8★ (6.3M)YesNoOct 2026
8PayLater: Split Your PaymentsPayLater: Split Your PaymentsFree3.5★ (304)NoNoOct 2026

Top Picks for Zip Payments

Zip - Buy Now, Pay Later#1

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

Shop Now & Pay Over Time
Editor's Choice
💰 Finance
4.9😊(872K ratings)
Free
#45in 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 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
Affirm: Buy now, pay over time#2

Affirm: Buy now, pay over time by Affirm, Inc.

Flexible payments, big savings
Strong Contender
🛍️ Shopping
4.9😞(1.8M ratings)
Free
#19in Shopping
Affirm: Buy now, pay over time screenshot 1
Affirm: Buy now, pay over time screenshot 2
Affirm: Buy now, pay over time screenshot 3
Affirm: Buy now, pay over time screenshot 4
Affirm: Buy now, pay over time screenshot 5
Affirm: Buy now, pay over time screenshot 6

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.

What We Love

  • 🙏 Helpful in tough times
  • 💳 Convenient financing option
  • 📈 Improved credit score

Room to Improve

  • 🤔 Confusing payment process
  • 🔒 Security and privacy concerns
  • 🔍 Difficulty verifying identity
  • 🚫 Unexpected account closures
  • 💰 High interest rates
Afterpay: Pay over time#3

Afterpay: Pay over time by Afterpay

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

  • 🚀 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 Payments apps to explore

FAQ about Zip Payments

What are the best zip payments apps for iPhone?
Zip - Buy Now, Pay Later tops our zip payments apps ranking as of September 2026, with a 4.9-star average from 872K App Store ratings, and it's free to download.
Yes — 20 of the top zip payments apps we rank are free to download, including Zip - Buy Now, Pay Later and Affirm: Buy now, pay over time.
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 249+ zip payments apps on the iOS App Store as of September 2026, ranked by rating, recency, and analysis of real user reviews.