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Best Buy Now Pay Later Apps for iPhone (2026)
PayPal - Pay, Send, Save is the top-ranked of 20 buy now pay later apps on iPhone, at S tier with 4.8/5 from 6,298,976 ratings.
- 1
Free · ★ 4.8 · 6,298,976 ratings · score 97 - 2
Free download · ★ 4.8 · 85,287 ratings · score 95 - 3
Free download · ★ 4.7 · 58,656 ratings · score 94 - 4
Free · ★ 4.9 · 1,852,891 ratings · score 93 - 5
Free · ★ 4.9 · 752,814 ratings · score 90
What belongs in this list
Buy something now and pay for it in installments over time.
Not here: Credit card payments alone; Cash advances alone; Payment processing for sellers alone; Read-later saving alone; Shopping deals alone
How we pick
For this list we ask the App Store the same searches a person would, in several countries, and keep every app it returns. A model reads each app's listing and rejects the ones that only mention the use case. Every app that stays is scored out of 100 from four parts, each 0 to 100 and averaged with no weights: its App Store rating, how many people rated it, where the App Store itself ranks it for this list's searches, and how recently its current version shipped. An app showing Apple's Editors' Choice badge gets a fifth part of 100, which can only lift its score. Tiers follow fixed score bands: S from 90, A from 80, B from 70, C from 60, D from 50, F below. The list's leader is S if it scores 80 or more. On a list of 20 or more ranked apps, a tier from S to D takes in new apps only up to a quarter of the top 40: an app pushed out of a full tier falls to the next tier with room, and F takes the rest. An app already in a tier keeps its place while the tier is at most 2 apps over a quarter; past that, only the apps over that margin go down, lowest score first. Equal scores share a tier, and no app has a better tier than an app ranked above it. An app keeps its tier until its score passes the band edge by more than 1 point, or a full tier or the order above moves it. Only the top 40 of a list get a tier. Read the full method →
Compare every app
- 1Free · ★ 4.8 · 6,298,976 ratings · score 97 · best in class
- 2Free download · ★ 4.8 · 85,287 ratings · score 95 · best in class
- 3Free download · ★ 4.7 · 58,656 ratings · score 94 · best in class
- 4Free · ★ 4.9 · 1,852,891 ratings · score 93 · best in class
- 5Free · ★ 4.9 · 752,814 ratings · score 90 · best in class
- 6
Free · ★ 4.9 · 306,098 ratings · score 89 · excellent - 7
Free · ★ 4.9 · 877,140 ratings · score 87 · excellent - 8
Free · ★ 4.8 · 122,639 ratings · score 87 · excellent - 9
Free · ★ 4.8 · 518,178 ratings · score 85 · excellent - 10
Free · ★ 4.7 · 34,442 ratings · score 84 · excellent - 11
Free · ★ 4.9 · 29,745 ratings · score 83 · excellent - 12
Free · ★ 4.8 · 29,123 ratings · score 83 · excellent - 13
Free · ★ 4.8 · 27,140 ratings · score 82 · good - 14
Free download · ★ 4.8 · 32,316 ratings · score 82 · good - 15
Free · ★ 4.9 · 19,951 ratings · score 81 · good - 16
Free download · ★ 4.9 · 4,064 ratings · score 69 · situational · provisional - 17
Free download · ★ 4.9 · 3,364 ratings · score 67 · situational · provisional - 18
Free · ★ 4.6 · 3,129 ratings · score 67 · situational · provisional - 19
Free download · ★ 4.6 · 2,906 ratings · score 67 · situational · provisional - 20
Free download · ★ 4.5 · 2,581 ratings · score 66 · situational · provisional
New in the last 30 days
- PayPal - Pay, Send, Save (S)
- Progressive Leasing (A)
- Snap Finance (A)
- Katapult | Shop & Lease to Own (A)
- Acima: Lease Now & Buy Later (B)
- Purchasing Power (B)
- Split Pay: Split Bills in Two (B)
- Paytient (C)
- Airfordable (C)
- Livble - Split your rent (C)
- CDcare Pay Small Small App (C)
- Halan: Your Money App. (C)
Questions people ask
- What is the best buy now pay later app for iPhone?
- PayPal - Pay, Send, Save, S tier, ranked #1 of 20, rated 4.8 by 6,298,976 people.
- Which buy now pay later apps are free?
- 20 of 20 are free to download: PayPal - Pay, Send, Save (S), Tabby: Send, spend and save (S), Tamara | Own your Dream (S), Affirm: Buy now, pay over time (S) and more. 13 report no in-app purchases.
- Which buy now pay later app has the best App Store rating?
- Zip - Buy Now, Pay Later at 4.9 from 877,140 ratings.
- How many buy now pay later apps reach S or A tier?
- 12 of 20. Tiers follow fixed score bands: S from 90, A from 80, B from 70, C from 60, D from 50, F below. The list's leader is S if it scores 80 or more. On a list of 20 or more ranked apps, a tier from S to D takes in new apps only up to a quarter of the top 40: an app pushed out of a full tier falls to the next tier with room, and F takes the rest. An app already in a tier keeps its place while the tier is at most 2 apps over a quarter; past that, only the apps over that margin go down, lowest score first. Equal scores share a tier, and no app has a better tier than an app ranked above it. An app keeps its tier until its score passes the band edge by more than 1 point, or a full tier or the order above moves it. Only the top 40 of a list get a tier.