{"slug":"buy-now-pay-later","name":"buy now pay later","title":"Best Buy Now Pay Later Apps","status":"active","definition":"Buy something now and pay for it in installments over time.","excludes":"Credit card payments alone; Cash advances alone; Payment processing for sellers alone; Read-later saving alone; Shopping deals alone","definition_version":1,"parent":null,"section":"Finance","sections":["Finance"],"member_count":20,"tiered_count":20,"contested_count":0,"under_review_count":0,"ranking_status":"ranked","url":"https://apptierlist.com/best/buy-now-pay-later/","api_url":"https://apptierlist.com/api/v1/lists/buy-now-pay-later","scored_at":"2026-10-20T15:40:13.150Z","ranks_searched_at":"2026-10-20T04:28:11.595Z","activated_at":"2026-10-12T16:06:03.040Z","archived_at":null,"merged_into":null,"top_app":{"app_store_id":283646709,"slug":"paypal-pay-send-save-283646709","name":"PayPal - Pay, Send, Save","icon_url":"https://is1-ssl.mzstatic.com/image/thumb/Purple211/v4/21/21/5e/21215efc-d470-db2a-3d13-c50f20b735cc/AppIcon-0-0-1x_U007ephone-0-1-0-85-220.png/512x512bb.jpg","tier":"S","price":0,"currency":"USD","in_app_purchases":false},"schema_version":"1.0","generated_at":"2026-10-21T05:53:45.006Z","data_as_of":"2026-10-20T19:01:13.381Z","subtypes":[],"parent_list":null,"scoring":{"method":"plain average of the components an app has, each 0-100: four for every app, plus editors_choice (100) for an app holding Apple's Editors' Choice badge; no weights, nothing purchasable","components":["rating (App Store average across the same five storefronts, weighted by their rating counts, banded)","votes (ratings in the US, UK, Canada, Australia and Germany combined, on a log scale: 1 -> 40, 1,000 -> 70, 100k -> 90, 1M and up -> 100)","rank (best App Store search position for this list's terms, averaged over us, gb, ca, au, de; a store where the app is outside the top 50 counts 40, and an app that no store ranks scores 0)","recency (days since the current version, decaying after 60 days)","editors_choice (100 when the App Store shows Apple's Editors' Choice badge; absent otherwise)"],"tiers":"Tiers follow fixed score bands: S from 90, A from 80, B from 70, C from 60, D from 50, F below. 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