18 Best buy now pay later apps on mobile

Unlock financial freedom with the top-rated buy now, pay later apps. From Klarna: Shop now. Pay later. to Affirm and Afterpay, discover the best options for flexible payment plans and convenient shopping experiences.

App Logo Available On Reviews Downloads Features
1. Klarna | Shop now. Pay later. Klarna | Shop now. Pay later. Icon Android, iOS 4.8/5 47M+ Shop now, pay later, Personalized inspiration, Exclusive discounts
2. Affirm Affirm Icon Android, iOS 4.9/5 10M+ Flexible payment plans, Exclusive deals and rates, High-yield savings account
3. Afterpay Afterpay Icon Android, iOS 4.9/5 10M+ Shop now, pay later, Split payments into 4, No interest or fees
4. Tabby | Shop now. Pay later‪.‬ Tabby | Shop now. Pay later‪.‬ Icon Android, iOS 4.8/5 5M+ Interest-free payments, Cashback rewards, Shop now, pay later
5. Zip Zip Icon Android, iOS 4.7/5 4M+ Shop now, pay later, Split any purchase in 4, Use anywhere
6. Empower Empower Icon Android, iOS 4.7/5 4M+ Instant cash advances, No credit score required, No interest or late fees
7. Fingerhut Mobile Fingerhut Mobile Icon Android, iOS 4.8/5 4M+ Quick account access, Easy payment management, Personalized shopping experience
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1. Klarna | Shop now. Pay later.

Klarna | Shop now. Pay later. Icon

Shop now, pay later, Personalized inspiration, Exclusive discounts


Cost: Klarna | Shop now. Pay later. (Free), Klarna | Shop now. Pay later. - VIP ($9.99/month)

Klarna | Shop now. Pay later. is a mobile app that allows users to make purchases and pay for them later. It is a convenient and flexible way to shop, as users can spread out the cost of their purchases over time. The app also offers a number of features that make it easy to track spending and manage finances. Klarna is a popular choice for shoppers who want to avoid paying high interest rates on credit cards or who simply want to have more control over their spending.

Download:

Klarna | Shop now. Pay later. - Shop now, pay later, Personalized inspiration, Exclusive discounts
  • Tags:
  • Shop now, pay later
  • Interest-free payments
  • Personalized Inspiration

Application information:

Downloads 46,789,694
Features Klarna allows you to shop online and pay for your purchases over time, with no interest or fees.
Pros Easy to use, convenient, no interest or fees
Cons May not be available for all purchases, may require a credit check

Comments and Reviews from users:

Eve Scott: “I have three other pay-later options that I use. As much as I would love to use it more, there's always an issue after about two or three orders, and that's wild. I am a repeat order person...same stuff..same reputable company ( for example, Tractor Supply). I NEVER miss payments. Klarna is my lowest pay-later credit option. But every time I try to use it more often, there's always an issue at checkout 🙄 Probably time to uninstall and move on. I don't need it. It's just nice to have options.” – 2/5 in Play Store

✨ Read more: app for bill splitting

2. Affirm

Affirm Icon

Flexible payment plans, Exclusive deals and rates, High-yield savings account


Cost: Free, Affirm Plus (99)

Affirm is a buy now, pay later app that allows users to make purchases and pay for them over time. The app offers a variety of flexible payment plans, including bi-weekly and monthly installments. Affirm also offers a virtual card that can be used to make purchases online or in-store. The app is available for download on iOS and Android devices.

Download:

Affirm - Flexible payment plans, Exclusive deals and rates, High-yield savings account
  • Tags:
  • Flexible payments
  • Exclusive Deals
  • High-yield account

Application information:

Downloads 10,461,589
Features Affirm app allows users to make purchases and pay for them over time with interest-free installments, It also offers a virtual card for online purchases and a physical card for in-store purchases.
Pros Easy to use, Quick and easy application process, No hidden fees, Helps build credit, Rewards program
Cons High interest rates on some loans, Not all merchants accept Affirm, May be difficult to qualify for a loan, Can be expensive if you miss payments

Comments and Reviews from users:

Sean Brewer: “Using the app, itself, is great. Easy to use and fast. The ability to make time sensitive small to medium priced purchases and pay over a short term is terrific. For example, I was able to buy $350 worth of weed and feed in February, when I needed it) and make 3 monthly payments to pay it off by May (when I had the money). Cost me $45 to do it.” – 4/5 in Play Store

daniel covey: “Easy payment options with very short terms. Updates the credit amount with payments made. I find this app/service very straightforward and easy to use. Shows total with interest and updates the total and interest remaining when you pay more than the minimum. This has been nothing but awesome and I recommend affirm to my family and friends.” – 5/5 in Play Store

✨ Read more: app to pay bills online

3. Afterpay

Afterpay Icon

Shop now, pay later, Split payments into 4, No interest or fees


Cost: Afterpay - Shop Now. Pay Later. (Free), Afterpay Plus (Paid)

Afterpay is a mobile app that allows users to make purchases and pay for them in four interest-free installments. The app is partnered with a wide range of retailers, including clothing stores, beauty brands, and home goods stores. To use Afterpay, users simply create an account and link their debit or credit card. When they make a purchase, they can choose to pay with Afterpay and the app will automatically divide the total cost into four equal payments. The first payment is due at the time of purchase, and the remaining three payments are due every two weeks. There are no late fees or interest charges, but users may be charged a small fee if they miss a payment.

Download:

Afterpay - Shop now, pay later, Split payments into 4, No interest or fees
  • Tags:
  • Pay in 4 interest-free payments
  • Shop now, pay later
  • Exclusive shopping deals

Application information:

Downloads 10 Million+
Features Afterpay is a payment service that allows users to make purchases and pay for them over time, interest-free.
Pros No interest or fees, Easy to use, Helps build credit
Cons Can be difficult to manage payments, Can lead to overspending, May not be available for all purchases

Comments and Reviews from users:

Rebecca Taylor: “the app was working great 👍 for a while. extremely helpful. I have recently been having an issue ..there is a charge on my account that I didn't make and they won't let me use my account until it's paid. I've sent several emails and it hasn't been fixed.. and the number affiliated with the account I no longer have and the email was hacked .. so there have been some issues with it, when it was opened I had a 250 dollar credit limit, no missed payment. it went to 50 and idk why. it could be a 5 .” – 3/5 in Play Store

Ashley: “I used to be able to do 3 or 4 orders now had some issues. now I would like to be able to order from the 2 places I like yet can't now. and the promos are ending. if someone comes across a problem when they start fixing it cant you acknowledge that. I've been paying things off early to be able to use this app and its disheartening to see that while I own up and am fixing. I csnt get the fun things I want that might make life easier. I say things in frustration that doesn't mean it's not valid.” – 2/5 in Play Store

✨ Read more: app for shopping

4. Tabby | Shop now. Pay later‪.‬

Tabby | Shop now. Pay later‪.‬ Icon

Interest-free payments, Cashback rewards, Shop now, pay later


Cost: Tabby | Shop now. Pay later. (Free), Tabby Pro (Paid)

Tabby is a buy now, pay later app that allows users to split their purchases into four equal, interest-free payments. The app is available on both iOS and Android devices, and it can be used to make purchases at a variety of online and in-store retailers. Tabby does not charge any fees, and there are no credit checks required to use the app. Users simply need to create an account and link their debit or credit card. Once an account is created, users can start shopping and splitting their purchases into four equal payments. Tabby is a great way to budget and avoid paying interest on purchases.. Tabby | Shop now. Pay later‪.‬

Download:

Tabby | Shop now. Pay later‪.‬ - Interest-free payments, Cashback rewards, Shop now, pay later
  • Tags:
  • Shop now, pay later
  • Split payments in 4
  • Interest-free and no fees

Application information:

Downloads 4,619,994
Features Split purchases into 4 interest-free payments, no fees, no late fees, no credit checks.
Pros Easy to use, convenient, no fees, no interest, no credit checks.
Cons Limited to certain stores and products, may not be suitable for large purchases, requires a valid debit or credit card.

Comments and Reviews from users:

AJ: “Kinda hit or miss experience with its so called automated approval process. Sometimes they approve a 4k purchase and sometimes they deny a 200 purchase. No missed payments with them or any current pending payments either, so I guess our history with them is irrelevant. But overall tabby has the most variety of stores to shop from (if and when it works) compared to its competing apps. Try TAMARA, most people had better chances there.” – 4/5 in Play Store

Han Has: “Used to be Great but not anymore. They prevented me from reactivating my Tabby Plus due a technical error that not solved since 6 Months!, yes 6 months and the can't help me to reactivate my Tabby Plus again, regardless I always pay before due time, they said they don't even know what cause the problem, What a Shame!,” – 2/5 in Play Store

✨ Read more: app to borrow money

5. Zip

Zip Icon

Shop now, pay later, Split any purchase in 4, Use anywhere


Cost: Zip (Free) (0.00), Zip Pay Later (Varies based on purchase amount and repayment terms)

Zip is a buy now, pay later app that allows users to split their purchases into smaller, more manageable payments. It's easy to use: simply download the app, create an account, and add your payment information. Then, when you're shopping online or in-store, choose Zip as your payment method and split your purchase into four equal payments. There are no hidden fees or interest charges, and you can pay off your purchases early at any time. Zip is a great way to budget and avoid debt, and it's especially helpful for large purchases.

Download:

Zip - Shop now, pay later, Split any purchase in 4, Use anywhere
  • Tags:
  • Shop now, pay later
  • Split payments in 4
  • No long application forms

Application information:

Downloads 4,306,566
Features Split large purchases into interest-free installments, keep track of your spending, and build your credit score.
Pros Simple and easy to use, no annual fees, helps build credit.
Cons Limited to certain retailers, high late fees, can be difficult to get approved for larger purchases.

Comments and Reviews from users:

Dee Johnson: “My experience with Zip until now has been excellent! I have been using zip regularly for over a year, from online shopping to using my Zip card in store. I have referred friends and family...my loyalty should count for something. With that being said, I am so disappointed in Zip denying me access to my account without a reason why. I can't seem to get an answer from customer service, apparently they're researching into the issue. It's not complicated, either my account has been canceled or not.” – 2/5 in Play Store

Vincible Warrior: “Aside from the built in web browser (which is absolute garbage) that you have to use for no good reason. The service is good and does exactly what it is supposed to. However, I cannot say enough bad things about the built in browser. It's slow, gets stuck in infinite loads, forces you to close out and try again multiple times before actually working, most of the time your cart is not saved and you have to reenter everything, and, my personal favorite, drops connection when you go to pay.” – 3/5 in Play Store

6. Empower

Empower Icon

Instant cash advances, No credit score required, No interest or late fees


Cost: Free, Empower Plus (8)

Empower is a buy now, pay later app that helps you build credit, save money, and get cash advances. With Empower, you can make purchases at your favorite stores and pay for them over time with no interest or fees. You can also track your credit score and get personalized recommendations on how to improve it. Empower also offers a cash advance feature that allows you to borrow up to $250 instantly.

Download:

Empower - Instant cash advances, No credit score required, No interest or late fees
  • Tags:
  • Instant cash advances
  • No Credit Checks
  • No interest or late fees

Application information:

Downloads 3,674,054
Features Empower offers instant cash advances, credit building tools, credit score tracking, and money saving features.
Pros Quick and easy access to cash, helpful for building credit, user-friendly interface.
Cons Fees for certain features, may not be suitable for everyone's financial situation, requires regular income for cash advances.

Comments and Reviews from users:

Melinda Cain (Sissy): “Very good app. Empower was the only one that I finally got a small loan from after downloading about 13 exact instant loan apps. Now after a few short months the loan amount and my credit score has went up tremendously . I'm happy. Thanks! You can also cancel at anytime if you decided to. Edit... After I used it for a while and had a credit line of $625., (I always paid back) but this last time immediately after paying it back I couldn't get back into my account or the app at all. Disappointed” – 5/5 in Play Store

Luke Sanders: “I have had nothing but great experiences so far since using the Empower app. It's definitely a huge help in tough times when money runs a lil tight between paychecks. I started off at 50 $ advance and have already been moved up to $100 advance after only a few weeks of using the app. Best part, no credit checks, no hidden fees and the money is there within minutes. Definitely need to check it out if ur needing a few extra bucks till payday!!” – 5/5 in Play Store

7. Fingerhut Mobile

Fingerhut Mobile Icon

Quick account access, Easy payment management, Personalized shopping experience


Cost: Fingerhut Mobile (Free), Fingerhut Mobile Pro ($0.99)

Fingerhut Mobile is a buy now, pay later app that allows you to shop for items and spread out the cost over time. With Fingerhut Mobile, you can view your account information, pay your bill, and track your orders. You can also use the app to find new products and get exclusive offers. Fingerhut Mobile is available for free on the App Store and Google Play.

Download:

Fingerhut Mobile - Quick account access, Easy payment management, Personalized shopping experience
  • Tags:
  • Easy account management
  • Convenient shopping
  • Secure sign-in options

Application information:

Downloads 3,516,160
Features The app lets you view your account details, make payments, and track your orders.
Pros Easy to use interface, convenient way to manage your Fingerhut account, secure
Cons Some users have reported issues with the app crashing or freezing.

Comments and Reviews from users:

A Google user: “Pretty good for building credit if you have bad or no credit. The prices are almost double retail and with the monthly interest added each month(not included in the total price) it's like paying 3 times the amount for an item. I bought a t.v. which was $704 on fingerhut originally which at walmart the same tv was $368. But what I wasn't told was the $704 didn't include interest so you end up paying over $1100 at the end of your payments. That is over 3 times what the tv is worth.” – 4/5 in Play Store

A Google user: “I love Fingerhut for the shopping, and for the products, but I got this card mainly to build my credit. It advertises that it's for credit building, but when my fresh start account dropped and it became an actual Fingerhut credit line, my credit score dropped 79 points!! It's the lowest it's been in a long time and I've been working really hard for a year-and-a-half to get it to over 600. We'll see how it is overtime, but I wasn't very happy about that.” – 3/5 in Play Store

8. Sezzle

Sezzle Icon

Shop now, pay later, No interest, no fees, Easy 4-payment split

Sezzle is a mobile app that allows users to make purchases and pay for them in four interest-free installments. The app is available on iOS and Android devices. Sezzle has partnered with over 42,000 retailers, including Urban Outfitters, Forever 21, and Steve Madden. To use Sezzle, shoppers simply select the Sezzle payment option at checkout. They will then be prompted to create a Sezzle account and provide some basic information. Once the account is created, shoppers can make purchases and pay for them in four equal installments. There are no interest charges or late fees.

Download:

Sezzle - Shop now, pay later, No interest, no fees, Easy 4-payment split
  • Tags:
  • Buy now, pay later
  • No hard credit check
  • Interest-free installments

Application information:

Downloads 3,025,971
Features Sezzle allows users to split their purchases into four interest-free payments, with no hidden fees or late charges.
Pros Convenient, easy to use, helps build credit, no hidden fees or late charges.
Cons Limited to certain retailers, may not be suitable for large purchases, can be tempting to overspend.

Comments and Reviews from users:

Spencer Joel: “If this app wasn't constantly changing policies and how it functions, it would be better. They charge fees on fees on fees now. This didn't used to be the case. They now charge a "convenience fee" to use a debit card. Nothing convenient about that. I've never been late so the late charges don't affect me but be careful. This app could get you in lots of trouble. It also doesn't report Sezzle Up monthly like it should. I paid it off last month. They didn't report it and my credit didn't change..” – 2/5 in Play Store

Edward Sokolowski: “probably the best shopping app out there. I have been using for 3 years now and have never had any issues. perfect for Christmas shopping and helps stretch out your money. and if you have a issue making a payment, you can make arrangements with no penalty. I would recommend this app to anyone, friends and family. about to remodel my bathroom, and Lowes is a business that accepts sezzle.” – 5/5 in Play Store

9. Perpay

Perpay Icon

No fees, interest, or credit check, $1,000 average spending power


Cost: Free, Premium (9.99)

Perpay is a buy now, pay later app that allows users to make purchases and spread the cost over multiple payments. The app is designed to be simple and easy to use, and it offers a variety of features that make it a great option for shoppers. With Perpay, you can:

  • Make purchases at any online or in-store retailer that accepts Visa or Mastercard
  • Spread the cost of your purchases over 4 equal payments
  • Pay no interest or fees
  • Track your purchases and payments in the Perpay app

If you're looking for a convenient and affordable way to shop, Perpay is the perfect app for you.

Download:

Perpay - No fees, interest, or credit check, $1,000 average spending power
  • Tags:
  • No fees, interest, or credit check
  • $1,000 average spending power
  • Average credit score increase of 39 points

Application information:

Downloads 1,432,811
Features Perpay allows you to buy now and pay later while building your credit score, getting instant cash advances, receiving personalized offers, and managing your money.
Pros Perpay offers flexible payment options, helps build credit, provides cash advances, and personalizes offers.
Cons Perpay may charge late fees, interest on outstanding balances, and requires a minimum credit score for some features, and may not be available in all areas.

Comments and Reviews from users:

A Google user: “Edit: Upon revisiting I found the error was fixed. And if the range of products expands I will certainly rate 5 stars. Changed 1 star to 4 stars for prompt maintenance and customer service. Keep up the good work. | I simply wanted to look for a new graphics card, they don't sell any. So i looked at what they do advertise. Tried to view some monitors and every page was missing. Bad first impression, the selection isn't worth it either.” – 4/5 in Play Store

A Google user: “Meh not impressed. App is extremely slow. Selection is good. Also you need to setup direct deposit to make your payments which is just silly, as it takes a week or two for most payroll departments to even process a new direct deposit. On top of that it's another week or two to cancel it, which has you running the risk of paying short or extra if you don't time it right on your last payment. Prices on products are higher than what you would find at your local rent to own places, like Aaron's etc.” – 2/5 in Play Store

10. Progressive Leasing Mobile

Progressive Leasing Mobile Icon

Instant approval decision, Shop from anywhere, 30,000+ retail locations

Progressive Leasing Mobile is a buy now, pay later app that allows you to lease-to-own furniture, appliances, electronics, and more. With Progressive Leasing, you can get the items you need today and pay for them over time. The app is easy to use and offers flexible payment options. You can apply for a lease in minutes and get a decision right away. Once you're approved, you can start shopping for the items you want. Progressive Leasing has a wide selection of products to choose from, so you're sure to find what you're looking for.

Download:

Progressive Leasing Mobile - Instant approval decision, Shop from anywhere, 30,000+ retail locations
  • Tags:
  • Instant credit decision
  • Shop from anywhere
  • 30,000+ retail locations

Application information:

Comments and Reviews from users:

A Google user: “I do not normally rate apps but here we go. This app is super easy to use. It shows your balance and your scheduled payments and the due date. It can be setup to remind when and how much is coming out. No need to search through paperwork or call and speak to a rep, if you lose your lease id, the app makes it simple to get that info. It shows "buy-outs" and gives you the option to choose to buy-out early. I wish all bills had apps this easy!” – 5/5 in Play Store

A Google user: “I was approved for $700 the first time & leased a S9. I paid it off & decided to apply for something new & was approved for $1,100 the second time! My only complaint is the amount I overpaid for the S9 because I couldn't finish the early buyout option. I paid probably over double than the item was worth. I get having to pay a little more for the full lease option but the amounts Progressive is overcharging made me feel cheated. I wish prices could be redetermined to be more fair & affordable.” – 5/5 in Play Store

11. Zilch. Pay your way.

Zilch. Pay your way. Icon

Pay over 6 weeks with 0% APR, Zero late fees and overdraft fees


Cost: Free, Premium (9.99)

Zilch is a buy now, pay later app that allows you to spread the cost of your purchases over time. You can use Zilch to make purchases anywhere Mastercard is accepted, and you'll get up to 6 weeks to pay back your balance interest-free. Zilch is a great way to budget for larger purchases or to avoid paying high interest rates on credit cards. The app is easy to use and you can get approved for a Zilch account in minutes.. Zilch. Pay your way.

Download:

Zilch. Pay your way. - Pay over 6 weeks with 0% APR, Zero late fees and overdraft fees
  • Tags:
  • 0% APR* loans
  • No late fees
  • No overdraft fees

Application information:

Downloads 1,155,145
Features Zilch is a buy now, pay later service that allows you to spread the cost of your purchases over 6 weeks, with no interest or fees.
Pros No interest or fees, Easy to use, Accepted at millions of retailers
Cons Can only be used for purchases up to £250, Not available in all countries

Comments and Reviews from users:

ian colbert: “Never had any issues with Zilch and I have used it alot over the last few years. It is very easy to use and so long as you pay it back when it is supposed to be paid back then your good. Paying the instalments back early does help to raise your credit limit and you get rewards if you use it to pay for things in full so win-win. Thank you Zilch you helped me a few times.” – 5/5 in Play Store

G M: “Generally a great app but two problems, the app does not remember my login details, so I have to type email and password every log in, a bit of a pain. The second does the credit limit ever go up? I have had the app since August 23, I have always paid on time or early, and never missed a payment but I have been stuck with same limit for months. Besides this a good app.” – 4/5 in Play Store

12. Deferit

Deferit Icon

Split bills in 4, Save money on bills, Build credit history


Cost: Deferit Free, Deferit Premium (4.99)

Deferit is a mobile app that allows users to pay any bill now and pay for it later. The app offers a quick and easy application process, with approvals in minutes. Users can then make purchases or pay their bills using Deferit's virtual card, and repay their balance over time. Deferit charges a small fee for its services, but there are no interest charges or late fees. The app is available for download on the App Store and Google Play.

Download:

Deferit - Split bills in 4, Save money on bills, Build credit history
  • Tags:
  • No interest or late fees
  • Split bills in 4
  • Save money on bills

Application information:

Comments and Reviews from users:

Nyemia Clary: “Loved this app when it first came out and still love it . Def convenient for me to pay my bills but I've used this app a little over a couple months and subscription fee has jumped from 4.99 all the way up to now im Nov it will be 14.99! That's ridiculous. it was just 9.99 for a few months and I've received no notices on the reason for the higher fee. Yet, here we are once again paying a higher fee. Def considering shopping around for a similar service” – 2/5 in Play Store

Talia Syria: “I recommend deferit to EVERYONE!!! It help out tremendously. No late fees and you can change your payment day. Once a month low subscription for $14 you cannot beat that. This app help out with pretty much any bill. And you repay it whenever its most convenient to you. The only c9n I can think of is they sometimes have to pay your bill by check so I recommend you send that bill off 2 weeks ahead of time. Thank You to the people of Deferit” – 5/5 in Play Store

13. Four | Buy Now, Pay Later

Four | Buy Now, Pay Later Icon

Shop now, pay later, Interest-free payments, Hassle-free shopping


Cost: Free (0.00), Premium (19.99)

Four | Buy Now, Pay Later is a mobile app that allows users to make purchases and pay for them in four equal installments, without any interest or fees. The app is easy to use: simply create an account, link your bank account, and start shopping. When you're ready to make a purchase, select Four as your payment method and the app will automatically split the cost into four payments. You'll make the first payment at checkout, and the remaining three payments will be spread out over the next six weeks. Four is a great way to budget for larger purchases, or to avoid paying interest on credit card debt.

Download:

Four | Buy Now, Pay Later - Shop now, pay later, Interest-free payments, Hassle-free shopping
  • Tags:
  • Shop now, pay later
  • Interest-free payments
  • Easy payment management

Application information:

Downloads 345862
Features Four allows users to spread the cost of their purchases over four equal, interest-free payments. You can use Four to make purchases anywhere Visa or Mastercard is accepted, both online and in-store.
Pros No interest or fees, easy to use, accepted at many stores
Cons May not be suitable for large purchases, can be difficult to get approved if you have bad credit

Comments and Reviews from users:

Tina777: “It helps when money is a little tight. It would be better if we also had an option to do four ''monthly'' payments as well on some higher purchases. The app has improved and works pretty good now. I would recommend Four, yes. UPDATE: I Paid everything off and it was a hassle free experience for me. Using four installments made it so much easier to get what we needed, much sooner. I definitely will use FOUR again.” – 4/5 in Play Store

Dwight Solander: “So far I have not been able to use it due to internal issues with the app not generating cards for payment or if it does the cards decline. This seems to be an issue that is fairly common. Once I contacted support their response was immediate, acknowledged there is an issue and are working on it with the developers. Hope this gets fixed soon. I did not experience any issues with support as others reported. In the meantime, Klarna or afterpay have never failed. Will update once fixed and usable.” – 2/5 in Play Store

14. Purchasing Power

Purchasing Power Icon

Shop thousands of brands, App-exclusive promotions


Cost: Free, Premium (4.99)

Purchasing Power is a mobile app that allows users to make purchases and pay for them over time. It is a great option for those who want to avoid high-interest credit cards or who do not have access to traditional financing. Purchasing Power offers a variety of payment plans to fit any budget, and it also provides rewards and discounts to its users. The app is easy to use and secure, and it is a great way to get the things you need without breaking the bank.

Download:

Purchasing Power - Shop thousands of brands, App-exclusive promotions
  • Tags:
  • Easy shopping
  • Great Selection
  • Budget-Friendly

Application information:

Downloads 283201
Features Purchasing Power is a purchase program sponsored by participating employers that typically allows you to buy items with pre-tax dollars through payroll deduction.
Pros Convenient way to save money on purchases by using pre-tax dollars.
Cons Limited selection of products and services, may not be available to all employees.

Comments and Reviews from users:

A Google user: “Ordered a large screen TV with an applied discount code. Transaction was smooth and delivery much quicker than reported by the stated standards. Company seems to contract with local merchants in area since origin was not from Purchasing Power. Only minor down side is due to shipping freight, someone had to sign and I work a standard first shift job. Would be nice if company would add option to deliver to a pick up facility when purchasing. All in all really good experience, just had to mark off due to no call scheduling delivery, but I fixed this after finding out who was shipping my package.” – 4/5 in Play Store

A Google user: “for you all complaining about the pricing they do a no credit check financing program so yes the items with have a mark up to some degree. it's like buying something on your credit card unless you pay it off before the next bill there will be interest. It's sad to see people give such a low rating due to a great service. I have had no problems with them and they give great customer service. They are providing you a way to get the items you want on a payment plan that's hella affordable.” – 5/5 in Play Store

15. Uplift

Uplift Icon

Buy now, pay later, Interest-free terms, Travel and shopping


Cost: Free (0.00), Uplift Premium (9.99)

Uplift is a buy now, pay later app that lets you spread the cost of your purchases over time. It's a great way to budget for large expenses, like travel or home renovations. Uplift offers a variety of payment plans to fit your needs, and you can even earn rewards points on your purchases. The app is easy to use and secure, and it's available on both iOS and Android devices.

Download:

Uplift - Buy now, pay later, Interest-free terms, Travel and shopping
  • Tags:
  • Interest-free terms
  • Low monthly payments
  • Hundreds of stores

Application information:

Downloads 190K+
Features Buy now, pay later with the most popular travel brands and your favorite stores.
Pros Shop now, pay later, Lowest monthly payments, 0% interest
Cons Hard credit checks required, Limited to travel and specific retailers, High fees for missed payments

Comments and Reviews from users:

Justin Trembach: “It's a great app for opportunity to pay low. However, they back you into a corner with auto pay and tell you that the tech support number is 24/7. Then, when you call the Tech Support number. It is not 24/7 so it's already false. There's a reason why people have the opportunity to make setting changes. I do not understand why you have taken that away from your consumers.” – 2/5 in Play Store

Malaki Ward: “I cannot access any purchases... it keeps giving me an error message. Been happening for a couple weeks now (since end of Feb 2024).” – 2/5 in Play Store

16. Mintpay | Shop now. Pay later.

Mintpay | Shop now. Pay later. Icon

Shop now, pay later, Interest-free installments, Wide range of merchants


Cost: Free, Premium (999)

Mintpay is a buy now pay later app that allows users to make purchases and spread the cost over three interest-free installments. It is available on iOS and Android devices. To use Mintpay, users simply need to create an account and link their bank account. When they make a purchase at a participating retailer, they can select Mintpay as their payment option. Mintpay will then automatically deduct the installment payments from the user's bank account on the due dates. Mintpay is a convenient and affordable way to spread the cost of purchases, and it can help users avoid high interest rates and fees.. Mintpay | Shop now. Pay later.

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Mintpay | Shop now. Pay later. - Shop now, pay later, Interest-free installments, Wide range of merchants
  • Tags:
  • Shop now, pay later
  • Interest-free installments
  • Debit and credit cards accepted

Application information:

Downloads 189077
Features Split your bills into three interest-free installments without any hidden charges.
Pros No interest or hidden charges, Quick and easy to use, Secure and reliable.
Cons Limited to a few merchants, May not be suitable for large purchases, Late payments may incur fees.

Comments and Reviews from users:

Zayyaan Ali: “Great app. User friendly. Ease to use. Looking forward to seeing more businesses on your platform. Suggestions on Security features: Everytime you open the app, make sure to ask for finger print or a pin to login. This will help with having a better security. Apps that have our cc/dc details stored is just a big risk. So this is a Must Have feature. Also, another security feature would be to enable OTP whenever we make a purchase/click pay. (Cannot remember if this is already available)” – 4/5 in Play Store

Chathura Buddhika: “Everytime open the app, we have to type the password. The worst part is password managers like Bitwarden doesnt recognized login screen as well. Since my phone dont have any fingerprint sensor, I cant enable that feature as well. It's very inconvenient. Better to implement a PIN based login system like all other financial apps.” – 3/5 in Play Store

17. Snap Finance

Snap Finance Icon

Secure biometric login, Real-time lease details, Convenient payment management


Cost: Free, Premium (9.99)

Snap Finance is a buy now, pay later app that lets you spread the cost of your purchases over time. It's a great way to budget for unexpected expenses or to make larger purchases without having to pay the full amount upfront. With Snap Finance, you can get approved for a loan in minutes and start shopping right away. The app is easy to use and lets you track your payments and manage your account on the go.

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Snap Finance - Secure biometric login, Real-time lease details, Convenient payment management
  • Tags:
  • Quick and secure login
  • Easy payment management
  • Convenient transaction history

Application information:

Downloads 108438
Features Easily manage your Snap Finance lease-to-own agreement, make payments, view statements, and get support.
Pros Simple and convenient way to manage your Snap Finance account.
Cons Some users have reported issues with the app, such as login problems and payment processing errors.

Comments and Reviews from users:

Janice Zimmerman: “I am on my third or fourth loan from Snap for car repairs. The customer service is fantastic and they give you 100 days to pay the loan off without interest and only a small processing fee. Once I wasn't able to pay it off in exactly 100 days and they were kind enough to extend my 100 day pay off three days. There are several mechanic shops who accept Snap, and I've been able to find a great place to take my car.” – 5/5 in Play Store

R: “I think 5 star reviews are thrown around too often, and perfection is rare in app form. that being said, this app is surprisingly effective and efficient. what else can you ask for?” – 4/5 in Play Store

18. Arro

Arro Icon

Quick application, Instant virtual card, Credit building


Cost: Free, Premium (9.99)

Arro is a mobile buy now, pay later app that allows users to spread the cost of their purchases over time. The app offers a virtual card that can be used to make purchases online or in-store, and users can choose to repay their balance over a period of 2, 4, or 6 weeks. Arro does not charge any interest or fees, making it a more affordable option than traditional credit cards. The app also offers a number of features to help users manage their finances, including budgeting tools and credit monitoring.

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Arro - Quick application, Instant virtual card, Credit building
  • Tags:
  • Quick application
  • Easy credit access
  • Immediate virtual card

Application information:

Downloads 45431
Features Arro app helps you build credit, get credit builder loans, and earn cash back rewards on everyday purchases.
Pros Build credit, get loans, and earn rewards.
Cons Monthly fee, high interest rates on loans.

Comments and Reviews from users:

Krystal Brigham: “This app, the customer service, the content that teaches you about credit and more. I can't put in words how much they have helped me, there's so many great reasons to choose Arro. They truly deserve 10 stars. Easy to navigate the app, the courses are well structures and the incentives keep you motivated! Choose Arro!” – 5/5 in Play Store

Alyssa M: “super cool idea and awesome app of it loves up to it's description. but I wouldn't know because I got my account created, password set, name input, and wait listed! it was a pretty frustrating time/place/way to be informed that there was a wait-list. all excited signing up only to have the wind abruptly taken from my sails. wah wah.” – 3/5 in Play Store