Pay bills in 4 apps let you handle payments for your utilities now and conveniently pay later in installments.
Not every month is juicy enough to handle the piling up bills as you might want to channel funds to manage other necessities.
Fortunately, you can go with flexible options that let you pay them off without being stressed out using any of the apps that let you split bill payments effortlessly.
Many of them work like buy now pay later apps you use for shopping and in fact, some BNPL providers allow for bill settlement in four payments.
Best pay bills in 4 apps
Here below are the apps that let you pay bills in installments:
Prime Visa
Limit
Varies
Interest
0%
Credit Check
Soft
Tip: If you have an Amazon Prime Visa account, you can also use it to settle bills and pay later through Amazon Pay and directly at any other biller with the virtual and physical card.
The Amazon Prime Visa allows you to enjoy buy now pay later for bills including a 2% cashback when you utilize it at gas stations and at least 1% for other bills and product purchases.
With direct usage possible on billers like Prime Video, Sling, NFL Sunday Ticket, NordVPN, Audiobooks, and others with a virtual Visa card usable anywhere else, this should be there on your list.
It is available to use not just to pay bills in 4 settlements but also allows you to enjoy its spread payment for months with a promotional APR of 0% for up to 6 months.
This account comes with a lot of benefits like enjoying 2% cashback when you settle your restaurant eat-out bills, handling your gas expenses, and rideshares.
If your bill cost is up to $50, you can request up to 6 months’ monthly payment but to extend that to 12, the minimum bill settlement amount required is $250.
PayPal Pay in 4
Limit
$1,500
Interest
0%
Credit Check
Soft
Tip: PayPal is a default payment method for many service providers and with its financing tools like Pay in 4 and PayPal Credit, you can easily pay bills in installments.
This platform is very popular for its Pay in 4 services that you can use to buy now and pay later including using it to finance products on Amazon, and through its app, you can utilize this to settle your bills.
With many service providers having it as their primary payment method, you can easily pay bills in 4 and spread payments using your PayPal account on platforms like Netflix, Spotify, Disney+, and similar services.
It is a brand that has a very good presence when making payments across millions of merchants globally. To enable its consumers more options, it now provides financing through its Pay in 4 product and the long-term credit option.
To make paying for bills faster, your PayPal app interface has a section that helps you keep track of dues under the bills category where you can conveniently pay for power, water, cell phone, subscription, and more services.
Akin to some of the pay bills in 4 apps, you can also generate a one-time valid virtual card that can be used to settle any pending invoice at any provider online provided a Visa card is accepted by such biller.
You will enter the card details on the payment page and your credit balance on PayPal Pay in 4 will be deducted which you will then pay back in four installments.
To be able to use your account to pay bills in 4 using PayPal, your invoice total must at least be up to $30, and depending on the credit limit available to you, it cannot exceed its maximum of $1,500.
The credit balance you can access is dependent on several factors like the result of the soft credit check conducted on your profile as well as your usage statistics of the PayPal platform.
Apart from using this provider to settle your bills in installments, you can also shop with it and pay it back within six weeks. Its long-term financing option called PayPal Credit can grant you up to $10,000.
Its repayment is on a monthly basis and can extend to a period of 24 months. This option has an annual interest rate that starts at 9.99% up to 29.99% depending on how long your repayment is but it is at zero interest if you pay back within four months.
Zip
Limit
$1,000
Interest
0%
Credit Check
Soft
Tip: you can use your Zip account to pay bills in 4 for services like Verizon, Dish, AT&T, Farmers, Duke Energy, Optimum, Sprint, T-mobile, Progressive, Beico, Boost Mobile, DirectTV, Xfinity, Spectrum, Allstate among others in-app.
This platform is more popular for its buy now pay later service for financing products across thousands of merchants online and offline.
Aside from using it to handle your shopping payments, you can also utilize its in-app feature that lets you conveniently pay bills in 4 to many popular service providers.
It has several companies within its fold for utility bill installment payments that include internet services like Verizon, AT&T, Xfinity, Spectrum, Xfinity, Spectrum, and T-Mobile among others.
You can also handle your insurance bills on pay-later terms from Progressive, Allstate, Farmers Insurance, and Geico using your purchasing power assigned to your Zip profile.
In terms of TV service providers, you can finance bills for Dish Network, and DirectTV. And for its energy, there is Duke to enable you to finance electric power and natural gas bills.
Aside from handling bills within its app, the platform provides gateways to many shopping portals you can buy directly from. Using this, you will be able to compare product prices from different retailers in order to get the best deals.
In case the billing company you want to make payment to is not present when browsing through the Zip app, you can opt for its single-use card which you can generate and use to pay in 4 when paying directly on the website or app of the billing service provider.
Alternatively, you can install its browser extension which is available for Chrome. Once this is installed, you can visit the billing company’s website and go ahead with the payment process. At the checkout or payment page, click the Zip icon on your browser and you can generate a one-time valid virtual card that can be used to complete the payment.
The funds will be deducted from your purchasing credit on the Zip once it is successful. The virtual card method is a good way to pay bills in 4 at many providers without stress.
Zilch
Limit
$1,500
Interest
0%
Credit Check
Soft
Tip: Zilch provides a virtual card you can use to pay bills in 4 across multiple service providers. This card is always locked until you enable it which prevents unwanted charges. You also enjoy up to 2% cashback.
Zilch is another financing platform you can use to handle your bills through a unique payment model.
Unlike the other pay bills in 4 apps on this list, its operations are offered through its virtual MasterCard which you can access when you log into your Zilch account.
What this means is that you will have to visit the billers platform to settle your invoice by entering the card details provided by Zilch to complete the payment.
Its card is accepted by any merchant that supports Mastercard and with its always-lock feature, it cannot be used until you authorize it for payment which provides some form of security, especially with automated charges that could result from bills you might want to defer for others.
Zilch is an interesting app to try as you will also earn rewards when you use it to make payments. The reward is added to your account as cashback which is at least 2% when you pay-in-1.
To make bill payments in installments, the invoice amount should be at least $10 or more. If it is less, the bill will be settled as a one-time payment.
Citi Flex Pay
Limit
Varies
Interest
0%
Credit Check
Soft
Tip: Flex Pay is another service to use to pay bills in 4 with your existing credit card if you have a Citi Bank account.
Flex Pay by Citi is a buy now pay later service that you can also use to pay bills in 4 as a Citi Bank credit cardholder.
If your biller accepts Amazon Pay, you can use it directly to spread the payment provided the value is up to $50 as both are integrated.
You can utilize it to pay bills in 4 if the service you want to pay for is not directly accepting Amazon Pay through its postpaid splitting feature.
With this method, you can use the card to make the payment and later log into your app to convert the transaction to a Flex which will allow you to set it for monthly repayment.
Amex Plan It
Limit
Varies
Interest
0%
Credit Check
Soft
Tip: Plan It is another postpaid buy now pay later service to use to pay bills in 4 at most places that accept American Express cards.
Amex Plan It can be used to pay bills in 4 if you have an American Express credit card and it works very similar to Citi Flex Pay service.
Unless you are using it to make payments directly on Amex Travels, Delta Airlines, and American Airlines, other BNPL transactions are on the after-purchase model.
For any eligible credit card expense in your transaction history, you can select Plan It if the value is up to $100.
This means that before you can use Plan It to pay bills in 4, the transaction must have been done and then you can log into your app to convert it.
My Chase Plan
Limit
Varies
Interest
0%
Credit Check
Soft
Tip: If you have a Chase Bank account and want a service to use to pay bills in 4, check your account as you possibly can be eligible for My Chase Plan.
My Chase Plan works very similar to the other buy now pay later service that comes as an add-on to credit cards.
To use this to pay bills in 4, simply go ahead and utilize your credit card which later can be turned into a split payment on the Chase Bank app or website.
It also has a minimum required transaction value of $100 and to enjoy it to pay bills in 4, you need to ensure that the settled transactions are up to this amount hence, you will not be able to use it.
Deferit
Limit
$2,000
Interest
0%
Credit Check
Soft
Tip: Deferit allows you to pay bills in 4 for services that include utilities (gas, water, electricity, internet, and others), rent, and vehicle registrations (DMV) by uploading the invoice. You will pay a monthly subscription fee of $14.99 but may grow your credit score and save on bills.
This app is one of the popular channels where you can pay your bills in installments without being bothered by the stress of upfront costs.
Deferit enjoys ample good ratings and this is evident in the features that come from using it that complement its primary split payment for bills service.
One amazing benefit that you enjoy using this platform for handling your bill payment is the credit-building functionality.
A healthy credit score is important as the better it is, the lower rate you get in terms of credit offering and Deferit wants to help you grow yours.
This pay bills in 4 app reports your repayment activities to popular credit bureaus including Experian, Equifax, and TransUnion.
Deferit also has a money-saving feature that allows you to enjoy discounts on your bill invoice. You can request this by submitting your invoice and the company will negotiate a discount on your behalf.
If Deferit is able to lower the invoice amount after speaking with the billing provider, a new invoice will be generated and sent to you.
The saving feature works on a 50-50 charge rule as if the discount is successful, you will get 50% of the savings which is still amazing and better than paying the full amount.
With up to bills purchasing amount of $2,000, the platform will help you settle your invoices for electricity, gas, water, internet, vehicle registration, and rent bills among others.
You can get started by creating an account, a soft credit check might be performed to determine your eligibility and what credit balance to be given to you.
A soft credit check does not usually affect your credit score but rather, it is a popular choice by buy now pay later services to set up a purchasing profile.
Once your account is set up, you can then upload your invoice and Deferit will take care of the fulfillment while you will pay back in four installments.
One thing to note is that you might be declined for a pay-in-4 for your bills which might be because it could not properly verify your credit profile. But the good thing is that the option can be enabled once you use its pay-in-1 to settle two bills.
Willow
Limit
$1,000
Interest
0%
Credit Check
None
Tip: Willow lets you pay in 4 for services that include water, heat, electricity, cell phone, internet, cable/TV, car, childcare, and insurance. You might pay up to 6% of the invoice amount as service charges.
Willow is another pay bills in 4 app you can use to split your invoice payments into four installments by repaying on a bi-weekly basis.
The platform is currently a web-based solution with no need for you to install any application to use it for settling your pending bills.
Similar to Deferit, you will need to upload the invoice showing clearly your name, account number, name of the vendor, billing zip code, and the amount you want to settle.
Once you have submitted the needed document, Willow will take care of paying the due amount to the vendor or biller and you will then pay it back in installments.
Using Willow is a good alternative to handle your bills and invariably grow your credit score while ensuring no late payments for due invoices.
There is a fee to cover the cost of service when using this platform to pay bills in 4. This is usually passed as part of repayment value and varies depending on the weight of the settled invoice.
This fee is approximately 6% of the invoice amount. So, we can say $6 for every $100 bill paid or $12 if it is up to $200 which will automatically be charged on your bank account or the debit/credit card connected to your Willow account.
To determine your eligibility amount, this pay bills in 4 app may not conduct any soft credit check as it will just take your debit/credit or bank account number to allow it to deduct repayment if your pay bills in 4 request is approved.
You may not be eligible to access more than $150 as a new customer but based on your usage activity, your credit line increases which will allow you to access a higher limit.
Neon
Limit
$2,000
Interest
0%
Credit Check
Soft
Tip: Neon allows you to pay in 4 for rent, electricity, telecom, internet, gas, water, parking, HOA, and insurance as well as household and business bills.
Neon For Life as it is synonymously known is one of the pay bills in 4 apps you can use to handle your invoices with no worries regarding the burden that comes with upfront cost.
Through the web app, you can use it to fulfill bills such as rent, water, parking, internet, gas, HOA, electricity, telecom, insurance, household invoices, and business bills.
As common to the other pay bills in 4 apps, you are limited to services within its requirement and not to handle payments for needs like credit card, loan payments, or mortgage payments.
In terms of how this platform handles bill payments on your behalf, you do not necessarily need to submit or upload any document as common to many of the pay bills in 4 apps but rather, you can connect it by choosing the biller when you are logged in.
If the biller you want to finance its invoice is there, select it and provide your account number and this will be saved which you can use for recurring invoice settlements.
Though there is no direct interface to handle payments through invoice upload, the platform may consider this option if the biller you want to pay for is not listed.
In this case, where you do not see the bill service provider, you might need to send an email with the details of the invoice which could be considered for financing.
Neon provides flexibility in terms of pricing when compared to some of the pay bills in 4 apps as it has both the free monthly plan as well as a paid alternative.
For its paid alternative Essentials Plus, you get a limit of up to $2,000 which is 100% higher when compared to its Essentials plan but its monthly fees stand at $24.99.
This paid plan in addition to a higher limit value for bill settlement, you can also opt for an ACH repayment model, get bank alerts when your connected bank account is getting low, have a personal assistant to guide you through bill payment, and access to other premium features.
Buy now pay later services are common, especially when you are making payments on online shopping platforms but for utility invoice settlements, the choices are limited.
But with the few pay bills in 4 apps available, you can utilize their services to finance your bills while you repay conveniently in four installments.
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