Enjoy the convenience of deferred payments without compromising on your budget with the best buy now pay later apps. Simplify your shopping and enjoy the ultimate flexibility.
Updated on November 06, 2024
Buy now, pay later apps have become increasingly popular in the last few years. It has seen rapid adoption from people of different generations (Gen Z, Millennials, Gen X, etc.).
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| Metrics | Android | iOS |
|---|---|---|
| Latest Version : | 1.3.6 | 1.3.9 |
| Size : | 45.24 MB | 70.5 MB |
| Device Supported : | Android 5.0 and up | iOS 12.4 or later |
| Subscription : | Free | Free |
Postpay is a pay-in installment shopping app that allows consumers to buy now and pay later in installments. This one of the best pay-in-4 apps gives users more time to pay the final amount in easy installments without hidden charges. Users can choose from the top brands and secure the best deals to pay in installments for their final purchase. The purchases are divided into equal installments, typically 4, and are spread over a period of time.
The first installment is due at the time of purchase, and the rest installments can be paid subsequently. This model facilitates responsible and manageable spending for all users. Pay your utility bills and enjoy convenient shopping with the Postpay app.
| Metrics | Android | iOS |
|---|---|---|
| Latest Version : | NA | NA |
| Size : | NA | 248 KB |
| Device Supported : | NA | iOS 10.0 or later |
| Subscription : | NA | Free |
Apple Wallet offers Apple Pay Later, which is an iOS exclusive BNPL app available for users. It smoothly integrates into the Apple ecosystem. It transforms the way consumers manage their purchases by allowing them to divide their payments into four equal, interest-free installments spread over six weeks. With no hidden fees, this out of the apps that let you pay-in-4 and promotes transparency and trust.
The simplicity of using Apple Pay Later is unmatched, as it works seamlessly across millions of both online and physical stores that accept Apple Pay. It provides a rapid and safe setup, using Face ID, Touch ID, and device passcodes for authentication, making transactions not only simple but also secure. The app's integration with Wallet offers an intuitive and unified view of upcoming payments, making financial management easier for Apple customers.
| Metrics | Android | iOS |
|---|---|---|
| Latest Version : | 6.12.0.607 | 6.13.0 |
| Size : | 18.0 MB | 71 MB |
| Device Supported : | Android 6.0 and up | iOS 15.0 or later |
| Subscription : | Free | Free |
Empower is a unique financial solution that offers advanced loans to all its users. These cash advances can range from $10- $250. These advances are small but are credited instantly to your account. This one of the pay-in-4 installment apps can benefit gig workers and freelancers who do not have a stable income. Users can also choose to pay the subscription fee for a smoother experience with the app.
The app monitors your bank deposits and spending habits to check if you qualify for credits. It is the best solution to cover additional, small costs when running low on cash. Furthermore, the app can also increase your credit line to up to $1000 with time. Empower redefines BNPL by merging financial empowerment with convenience and flexibility.
| Metrics | Android | iOS |
|---|---|---|
| Latest Version : | 4.23.2 | 4.25.0 |
| Size : | 57.2 MB | 246.6 MB |
| Device Supported : | Android 8.0 and up | iOS 14.0 or later |
| Subscription : | Free | Free |
Tabby is among the best buy now pay later apps for Android and iOS users. Similar to other services, this app splits the total cost of your purchase into 4 easy installments. These installments are free of any interest or additional charges. This out of the best BNP companies that lets you make and track payments quickly through its platform. With this app, users can also earn instant cashback and rewards on their purchases.
Tabby offers exclusive discounts and the best deals on top brands for clothing, accessories, and more. Some of the best shopping apps that accept Tabby payments include Shein, Noon, Amazon, IKEA, Samsung, and others. Track the best products and pay for them on your own easily with Tabby.
| Metrics | Android | iOS |
|---|---|---|
| Latest Version : | 1.15.80 | 1.15.80 |
| Size : | 13 MB | 33.2 MB |
| Device Supported : | 5.1 and up | iOS 13.0 or later |
| Subscription : | Free | Free |
Four is one of the best buy now pay later apps available for smartphone users. This app offers buy now, pay later services for all your favorite stores. It makes shopping easy and a lot more convenient. Four lets you divide the amount of purchase into 4 equal installments, interest-free. These installments are to be paid every 2 weeks.
The credit approval product is swift, ensuring that users can enjoy their shopping experience without any hindrance. Flexible split payment options offered by this app can benefit both retailers and the end-users. With this one of the split payment apps, shop your desired products and manage all your finances easily. Four is perfect for modern consumers seeking financial flexibility.
| Metrics | Android | iOS |
|---|---|---|
| Latest Version : | NA | 1.1.12 |
| Size : | NA | 115.7 MB |
| Device Supported : | NA | iOS 12.1 or later |
| Subscription : | NA | Free |
With Zest Money, shoppers have more time to pay for their purchases. It is one of the best pay-later apps that breaks down the purchase amount into smaller, manageable installments. Users can either choose to pay in installments of 3, 6, 9, or 12 months. Zest empowers its users to shop on easy EMIs and pay at their convenience. With a network of over 85,000 retailers, this app amongst the buy now later companies has all the products for your needs.
The app offers instant credit without any time-consuming process. Furthermore, Zest Money secures user data and private information through its robust security measures. If you are seeking a smarter way to shop, without compromising on your financial health, Zest Money is the buy now pay over time app for you.
| Metrics | Android | iOS |
|---|---|---|
| Latest Version : | 4.33.2 | 5.0.2 |
| Size : | 22.8 MB | 22.8 MB |
| Device Supported : | Android 6.0 and up | iOS 13.0 or later |
| Subscription : | Free | Free |
Shopping for all your favorite brands at one place is a lot easier with Laybuy. It is one of the apps that let you pay-in-4 and more. Its innovative payment plan allows users to split the payment into installments for six weeks. These installments are interest-free and enhance affordability and budget management. Furthermore, the app offers instant credit approvals for a streamlined approach.
The best part about using Laybuy is that it can be used for both in-store and online shopping. Similar to many other buy now pay later shopping sites, Laybuy offers products from thousands of retailers. Users can find the desired product by simply adding a keyword and browsing the platform. Its blend of flexibility and transparency makes Laybuy a suitable choice for savvy shoppers.
| Metrics | Android | iOS |
|---|---|---|
| Latest Version : | 2.1.3 | 2.1.6 |
| Size : | 24.02 MB | 23.7 MB |
| Device Supported : | Android 6.0 and up | iOS 13.0 or later |
| Subscription : | Free | Free |
Zebit offers unparalleled financial freedom to all its users. The app is packed with thousands of products spread across different categories. This one of the buy now pay later sites instantly approves $2500 in credit to shop now and pay later. The installments are spread over 6 months for all users. From electronics to grocery, Zebit offers all its products to its users.
Users can set the payment frequency as per their references. Zebit, thus guarantees flexibility in all payments. Furthermore, the app guarantees transparency in every transaction with no additional or hidden charges. The platform is straightforward with a simple interface that is accessible to all. Zebit combines variety and convenience together to offer one of the most trusted buy now pay later shopping sites.
| Metrics | Android | iOS |
|---|---|---|
| Latest Version : | 1.137.5 | 1.137.5 |
| Size : | 31 MB | 111.5 MB |
| Device Supported : | Android 8.1 and up | iOS 13.4 or later |
| Subscription : | Free | Free |
Zilch is a unique financial tool and one of the best buy now pay later apps available for smartphone users. The app lets you shop from anywhere with a Mastercard. With its unique BNPL service, the app lets you divide the total amount into installments. These are meant to be paid over 6 weeks with 0% APR. Paying with Zilch is not only simple but exciting, too. With every payment, the app offers instant rewards for its users. It is not just any of the pay-in-4 apps as it allows the splitting of the final figure into more installments.
It is among the most reliable get now pay later apps that also offers real-time budget tracking. Zilch is accessible to all, irrespective of their tech savvy. The app also sets a tailored spending limit to help you stay within the budget. With Zilch, shopping is a lot more fun and flexible.
| Metrics | Android | iOS |
|---|---|---|
| Latest Version : | NA | 1.9.5 |
| Size : | NA | 71.6 MB |
| Device Supported : | NA | iOS 13.0 or later |
| Subscription : | NA | Free |
Postpay is a pay-in installment shopping app that allows consumers to buy now and pay later in installments. This app gives users more time to pay the final amount in easy installments without hidden charges. Users can choose from the top brands and secure the best deals to pay in installments for their final purchase. The purchases are divided into equal installments, typically 4, and are spread over a period of time making it one of the best split payment apps out there.
Furthermore, Mintpay prioritizes transparency, with no hidden fees, ensuring users completely understand their payment plan. The app also promotes prudent spending by establishing realistic spending limitations. For customers searching for a basic, trustworthy BNPL solution, Mintpay offers an appealing solution that combines ease and financial control.
Buy now, pay later apps are increasingly popular and are adopted by many consumers across the globe. In fact, here are some stats from EMARKETER associated with adoption rates amongst different generations:
| Generation | 2021 | 2023 | 2025 |
|---|---|---|---|
| Baby Boomers | 6.2% | 12% | 14.8% |
| Gen X | 17.2% | 26.3% | 30.9% |
| Millennial | 30.3% | 39.5% | 40.6% |
| Gen Z | 36.8% | 46.5% | 47.4% |
This made it challenging because we had to create a list that caters to everyone. Some key features that we considered while choosing the top buy now pay later apps are listed below -
Buy now, pay later shopping sites and apps should offer interest-free payments for all their users. All the apps listed above charge no additional fee for installments. Furthermore, the apps spread the cost over a set period of time, making purchases affordable and convenient for all.
A BNPL app should offer instant approvals without a delayed credit check process. Quick approval decisions can streamline the shopping process and offer immediate access to funds.
Buy now, pay later apps mostly offer flexible payment options for all users. These apps can charge installments for 4 weeks or 6 weeks. These installments are primarily aimed at dividing the total cost into simpler and manageable portions for flexible payment.
BNPL apps mentioned on our list ensure complete transparency for all users. These apps do not have any hidden fees or charges for installments. Users must read the terms carefully to ensure transparency and avoid late payments and penalties.
Some buy now, pay later apps also offer users an opportunity to build or improve their credit scores. These apps can report timely payments to the credit bureaus and help improve credit scores.
Buy now, pay later apps offer a multitude of benefits for users. These apps are aimed at enhancing your financial health and improving the shopping experience for all users. The key benefits of using BNPL apps are listed below -
Many BNPL applications include interest-free options, provided you repay within the specified duration. This can be a more cost-effective alternative to typical credit choices that build interest over time.
The simple and quick approval process eliminates the lengthy and complex applications associated with traditional credit. This fast access to financial facilities facilitates immediate purchases.
By breaking down purchases into smaller, more manageable installments, BNPL services can help you make cost-effective decisions without sacrificing your necessities or aspirations.
BNPL apps can make more expensive things more affordable, removing the barrier of large upfront payments and letting you reap the benefits of a product while paying over time.
Some BNPL apps record on-time payments to credit agencies, allowing you to establish or enhance your credit score, which is important for future financial opportunities.
Beyond financial rewards, BNPL apps frequently include additional bonuses such as exclusive offers, early access to specials, and personalized shopping recommendations, which enhance your shopping experience.
Buy now pay later & no down payment options are lighter on users’ wallets and are highly preferable. While buy now, pay later apps offer exceptional convenience, there are several alternatives for those looking to spread out the cost. Here are some of the best alternatives to the best BNPL apps -
Traditional credit cards allow you to make purchases while deferring payment until your billing cycle. Many merchants provide rewards, cashback, or points for purchases. Interest rates can be significant if the balance is not paid in full.
For major expenditures or debt consolidation, personal loans might provide a lump sum with fixed interest rates and repayment conditions. They often have cheaper interest rates than credit cards but require a credit check and approval process.
Some businesses have layaway arrangements, which allow you to pay for products in installments before taking them home. This strategy reduces debt and interest, but it requires patience because you will not receive the goods until they are entirely paid for.
Individuals can borrow directly from investors through platforms such as LendingClub and Prosper. P2P loans might provide competitive interest rates, depending on your credit score.
Some employers may provide salary advances as a benefit, allowing you to receive income ahead of your normal payment.
In conclusion, the top Buy Now, Pay Later (BNPL) applications provide a revolutionary approach to purchasing and financial management by combining ease, flexibility, and control over personal finances. They have arisen as a popular alternative to traditional credit, allowing customers to stretch the expense of goods over time while avoiding exorbitant interest rates.
The key to their success is their user-friendly platforms, rapid clearance processes, and transparent terms, which make luxury items and everyday necessities more accessible to a larger audience. As the market for these services evolves, shortlisting the best BNPL apps will be based on individual financial situations, spending habits, and unique features that meet users' requirements and aspirations.
01
BigCommerce
02
Weebly
03
BigCartel
04
Duda
05
Hostinger
01
Ibotta
02
The Coupons App
03
Checkout 51
04
Rakuten
05
Dosh
01
Farmgirl Flowers
02
Benchmark Bouquets
03
The Sill
04
Farmgirl Flowers
05
Benchmark Bouquets
