There are many buy now pay later apps on the Apple Store that will enable you to pay in 4 on several shopping sites and also handle your App Store purchases.
Being able to defer payments will enable you to buy what you need and pay for services with no worries and you will then pay back conveniently in small installments.
If you need an iPhone, an iPad, a Macbook, or any other device shopping on the Apple Store or you need a service to manage your App Store subscriptions, there are many spread payment providers that offer in-app shopping, pay-in-4 virtual cards, and other amazing add-ons that will help you manage these purchases.
Best Apple Store Buy Now Pay Later Apps
Here below are the buy now pay later apps for all your Apple-focused payments:
Affirm
App Rating
4.9/5
Min. Value
$50
Max. Value
$20, 000
Tip: With a rating of 4.9/5, Affirm is one of the best buy now pay later apps on the Apple Store. With its virtual card, you have the flexibility to pay for more services, including some of your App Store subscriptions.
Do you want to buy devices on the Apple Store with Affirm?
If you want to buy an iPhone, a MacBook, or any other device on the Apple Store using Affirm, simply create a one-time valid virtual card on the app and use it to check out.
Affirm is Accepted By
Amazon
- Amazon is a multinational technology and e-commerce company. It provides a vast online marketplace for a wide range of products, including books, electronics, apparel, and more, with a strong focus on customer service and innovation.
eBikeJoy!
- eBikeJoy is an online retailer specializing in electric bikes and scooters. They offer a wide range of electric mobility solutions for eco-friendly commuting and outdoor adventure enthusiasts.
Brilliant Earth
- Brilliant Earth is a renowned jewelry company specializing in ethically sourced and sustainable engagement rings, wedding bands, and fine jewelry. They prioritize conflict-free diamonds and responsible sourcing practices.
Walmart
- Walmart is a multinational retail corporation known for its vast network of physical stores and e-commerce platform. It offers a wide range of products, including groceries, electronics, apparel, and more.
Temu
- Temu is a wallet-friendly shopping hub, presenting a variety of items including clothing, footwear, electronics, accessories, and home essentials. Its competitive prices make it a top pick for budget-conscious consumers.
If you are an avid online shopper, you have likely come across Affirm as a payment choice during online or in-store transactions. It provides a distinct and adaptable buy now pay later option.
Affirm allows you to divide your purchase into smaller, easily manageable payments over time, often without interest or concealed charges, provided you meet your payment deadlines.
With a presence on leading shopping platforms like Kayak, Amazon, GOAT, Peloton, and more, you will have no shortage of options for convenient pay-in-4 shopping experiences using Affirm.
There are two financing choices available. The first, “pay-in-4,” offers a bi-weekly installment plan, allowing you to acquire items and settle the payment over six weeks. This interest-free option has no hidden fees and is ideal for lower-priced items.
The second option provides extended financing for up to 12 months but carries a 15% APR. It’s better suited for larger purchases with higher price tags.
If you want to use Affirm to manage your subscription payment on the Apple App Store, simply create a virtual card and use it to handle your subscriptions in installments.
App Store Rating
Amazon Monthly
App Rating
4.8/5
Min. Value
Varies
Max. Value
Varies
Tip: Amazon offers an extensive range of products for purchase. With its Monthly Payment option, you can delay payments for eligible products without incurring interest charges, allowing for a deferment period of up to 120 days.
With one of the largest inventories of products, you can not have a list of shopping sites without mentioning Amazon and even the buy now pay later platforms understand this is also important which is why they all have Amazon as part of their in-app shopping merchants.
The platform has an in-house financing tool that allows you to spread the cost of your product payments. Amazon Monthly is an interest-free option that you can use to split the costs into four monthly payments up to 120 days.
This service is within the Amazon app and if you shop regularly on the platform, you could be eligible to use this to finance products on Amazon.
Afterpay
App Rating
4.9/5
Min. Value
Varies
Max. Value
$1,500
Tip: Afterpay is another highly rated buy now pay later app on the Apple Store at 4.9/5 and has an amazing number of merchants where you can split your purchase payments.
Do you want to purchase devices on the Apple Store with Afterpay?
To purchase an iPhone, MacBook, or any device on the Apple Store with Afterpay, you can easily generate a single-use virtual card within the app and utilize it during the checkout process.
Afterpay is Accepted By
Temu
- Temu is a budget-friendly shopping platform featuring a diverse range of products, from fashion to tech gadgets and home decor. With competitive pricing, it caters to budget-conscious shoppers.
Adidas
- Adidas is a renowned global sportswear brand offering a wide range of athletic footwear, apparel, and accessories. It’s known for its innovative designs, quality products, and strong presence in sports culture.
Ulta Beauty
- Ulta Beauty is a popular American cosmetics and beauty retailer. It offers a wide range of beauty products, including makeup, skincare, haircare, and fragrances, with both high-end and affordable options.
Expedia
- Expedia is a prominent online travel agency offering a comprehensive platform for booking flights, hotels, vacation packages, and activities worldwide, providing travelers with convenient and competitive travel solutions.
Nordstrom
- Nordstrom is a well-known American luxury department store chain. It offers a wide range of high-end fashion, accessories, cosmetics, and home goods, known for its quality and exceptional customer service.
Afterpay is another good solution on this list of Apple Store buy now pay later apps you can use to make payments at several stores, both online and offline.
It offers a top-notch “pay-in-4” virtual card, particularly useful for splitting payments in physical stores. This card allows you to seamlessly link your shopping credit with digital wallets for convenient offline payments.
Major retailers like Temu, Nordstrom, Ruggable, FWRD, and Sephora, among others, offer direct support for it. You can shop for fashion and various items using your designated purchasing power.
Their service extends beyond four bi-weekly payments, offering support for extended monthly installments.
Through its partnership with First Electronic Bank, Afterpay provides the option to spread payments over 6 to 12 months.
This monthly payment choice is accessible for purchases exceeding $400 and includes varying APR rates based on an initial soft inquiry and platform usage, with rates reaching as high as 35.55%.
Select retailers, including well-known brands, offer the Afterpay Pay Monthly option, enabling you to enjoy long-term financing through this platform.
App Store Rating
Klarna
App Rating
4.8/5
Min. Value
$10
Max. Value
Varies
Tip: Klarna has an amazing network of stores, both online and offline where you can use it to spread payments. With an Apple Store rating of 4.8/5 and a virtual card you can use for App Store purchases, it should be on your list.
Do you want to use Klarna on the Apple Store to buy devices?
If you are looking to acquire an iPhone, MacBook, or any other Apple device through Klarna, just create a one-time valid virtual card within the app and utilize it for your purchase at checkout.
Klarna is Accepted By
eBikeJoy!
- eBikeJoy is an online retailer specializing in electric bicycles and scooters. They offer a diverse range of electric mobility solutions, catering to eco-conscious commuters and outdoor enthusiasts.
Priority Tire
- Priority Tire is an online tire retailer specializing in a wide selection of tires for various vehicles, including cars, trucks, and motorcycles, offering competitive prices and convenient shopping.
Instacart
- Instacart is an online grocery delivery and pickup service that allows users to shop for groceries and household items from their favorite stores and have them delivered to their doorstep.
Abunda
- Abunda enables you to make purchases from Amazon and conveniently split your payments into four using your Klarna account, bridging the gap for those who can’t use Klarna directly on Amazon.
Temu
- Temu, the go-to destination for smart shoppers, features a wide array of products, including fashion, footwear, tech gadgets, and home decor. With its competitive prices, it’s the top choice for those watching their budget.
StockX
- StockX is an online marketplace for buying and selling authentic sneakers, streetwear, electronics, and collectibles. It uses a unique bid/ask model to facilitate transactions and ensure product authenticity.
Among the websites offering buy now and pay later, many support Klarna’s purchasing power, making it a popular choice for splitting payments.
You can find Klarna on numerous online stores like Boohoo, Ticketmaster, Wayfair, Nike, Lumens, and others including your favorite shopping sites.
Klarna offers various financing tools to enable you to use its services on websites that don’t natively support it. These tools include a shopping financing card, an in-app shopping feature to keep transactions within the Klarna app, and a browser extension that allows you to use your Klarna shopping credit on platforms like Amazon, in addition to their direct checkout service at several online merchants.
When it comes to Apple Store subscription handling, Klarna could be one of the best options for you as it has a superb virtual card that is valid for multiple use and you can make use of it for recurring payments.
The platform also partners with numerous brick-and-mortar stores, enabling you to conveniently use your Klarna account for in-person payments at physical outlets.
Klarna offers several financing options, with the most common being the “Pay in 4” service, allowing bi-weekly repayments.
Another option is “Pay in 30 Days,” where you can defer payment for a month without upfront costs or interest. This suits those who prefer to receive the product before committing to payment.
For high-value purchases, a long-term financing choice is available, spreading payments over 6 to 24 months. However, this option carries an APR ranging from 7.99% to 29.99%, depending on the repayment duration.
Interestingly, there’s a “Pay Now” alternative allowing full upfront payment. While it may seem counterintuitive, it can boost your purchasing capacity, as Klarna considers prompt repayment when extending credit limits.
App Store Rating
PayPal BNPL
App Rating
4.4/5
Min. Value
$30
Max. Value
$1,500
Tip: The buy now pay later service is built into your PayPal account hence, no separate app. Though it is rated 4.4/5 on the Apple App Store, this is more of an overall rating and not just its BNPL service. Nevertheless, it is another good option to use considering the millions of merchants that support PayPal.
Do you want to use PayPal on the Apple Store to buy devices?
When buying an iPhone, MacBook, or any Apple device through PayPal, you can streamline the process by generating a one-time, valid virtual card within the app, and then using it at checkout.
PayPal BNPL is Accepted By
Priority Tire
- Priority Tire is an online tire retailer offering a wide selection of tires for various vehicles. They provide competitive prices and convenient online shopping for all your tire needs.
Abunda
- Abunda is an online service that enables you to buy products on Amazon and pay for them using PayPal’s “Buy Now, Pay Later” option, offering flexibility in payments for Amazon purchases.
Airbnb
- Airbnb is a popular online marketplace for lodging and travel experiences. It allows users to book accommodations and activities worldwide, offering a diverse range of unique stays and local experiences.
eBay
- eBay is a prominent online marketplace where users can buy and sell a wide variety of products, both new and used. It offers a global platform for e-commerce transactions.
American Airlines
- American Airlines is a major American airline that provides domestic and international passenger and cargo services. It operates an extensive network of flights and is known for its frequent flyer program.
With a wide network of merchants where you can pay with your PayPal account, this is one of the best buy now pay later services on the Apple Store that should be on your list of options.
Over the years, this financial institution has introduced various financing solutions, with a primary focus on empowering consumers to spread their payments over time without incurring interest charges.
Among these offerings, two prominent choices from PayPal facilitate this objective. The first is the well-known “Pay-in-4” service, available at numerous online retailers, allowing customers to divide their payments into four installments. The second option is PayPal Credit, designed for those seeking extended and more long-term financing solutions.
You can use its bi-weekly “Pay-in-4” option to cover items in your shopping cart, as long as the total is at least $30 and doesn’t exceed $1,500.
However, this default choice might not suit your needs for certain purchases. In such cases, you may consider opting for PayPal Credit, which allows you to access a credit limit of up to $12,000.
When it comes to monthly payment financing tools, it stands out as one of the best options when compared to similar platforms offering payment plans. This is because, during the initial six months, it is entirely interest-free. If you manage to pay off the balance within this time frame, you will not incur any extra charges.
Nevertheless, if you exceed the six-month grace period, you will be subject to an annual percentage rate (APR) of 29.24%.
App Store Rating
Zip
App Rating
4.9/5
Min. Value
$35
Max. Value
$2,000
Tip: The Zip app is rated 4.9/5 on the Apple Store which signifies how amazing the features are. It is one of the few buy now pay later apps that supports bill payments within their apps and with its virtual card, you can take it extra for your subscription renewals.
Would you like to use Zip for device purchases on the Apple Store?
When making a purchase for an iPhone, MacBook, or any device from the Apple Store using Zip, you can simplify the process by creating a single-use, valid virtual card within the app and then applying it during the checkout process.
Zip is Accepted By
Best Buy
- Best Buy is a major electronics retailer offering a wide range of consumer electronics, appliances, and tech products, known for its extensive selection, competitive prices, and in-store and online shopping options.
TickPick
- TickPick is an online ticket marketplace that offers a transparent ticket-buying experience, providing tickets to concerts, sports events, and more without hidden fees, allowing customers to find the best deals.
Newegg
- Newegg is an online electronics and tech retailer offering a vast selection of computer hardware, electronics, and accessories, known for competitive prices and a wide range of products for tech enthusiasts.
Mercari
- Mercari is an online marketplace app for buying and selling a wide variety of items, from electronics and fashion to collectibles. It offers a user-friendly platform for individuals to list and purchase used goods.
Fashion Nova
- Fashion Nova is a popular online fashion retailer known for trendy and affordable clothing, catering to women’s and men’s fashion needs with a wide range of styles and sizes.
If you are searching for a fantastic buy now pay later app on the iOS App Store, Zip is a popular choice. It boasts an extensive roster of partner merchants, enabling you to defer your payments while shopping at places like Fanatics, Windsor, Shein, Sears, and more.
Unlike many other BNPL providers, Zip stands out by offering bill payment support. You can conveniently split bills for services such as AT&T, Duke Energy, Verizon, and more using Zip.
Once you install this app on your Apple device, you can shop at thousands of sites, and within its app, you can utilize the virtual card feature to enjoy your purchasing power at more stores.
This provider’s default financing option is Zip Pay, offering a “Pay in 4” plan. It lets you split payments bi-weekly for items under $300, with a minimum cart value of $35.
Similar to other buy now, pay later apps on the Apple Store, they also provide a long-term financing solution for purchases, ranging from $300 to a maximum of $2,000.
Notably, the first three months of using the monthly financing option are completely interest-free if you settle the payment within this timeframe. However, failing to do so will result in an APR of 25.9%, and the repayment period can extend up to 36 months, subject to the retailer’s terms.
App Store Rating
Bread Pay
App Rating
4.8/5
Min. Value
$50
Max. Value
$1,000
Tip: This buy now pay later is a consumer financing add-on to the banking services provided by Bread Financial. With an App Store rating of 4.8/5, it is worth checking it out.
Bread Pay is Accepted By
Wayfair
- Wayfair is an online retailer known for its vast selection of home goods, furniture, and decor items, providing customers with an extensive range of options for furnishing and decorating their homes.
Newair
- NewAir is a prominent brand specializing in appliances, particularly in the domain of cooling and heating solutions, with a product line encompassing wine coolers, beverage refrigerators, air conditioners, and more.
Alternative Airlines
- Alternative Airlines is a travel booking platform that offers a diverse range of flight options from various airlines, allowing travelers to find and book flights that suit their preferences and budgets.
Leesa
- Leesa is a well-known mattress manufacturer that produces high-quality, memory foam mattresses designed for comfort and support. The company is also recognized for its commitment to social and environmental responsibility.
The RTA Store
- The RTA Store is an online retailer specializing in ready-to-assemble kitchen cabinets and bathroom vanities. They offer a wide range of cabinet styles and finishes, catering to home improvement needs.
Originally known as SplitPay, this buy now, pay later service, available on the Apple Store, enables you to divide your purchases into four installments over a six-week period, akin to other Pay-in-4 providers.
This flexible payment service boasts an extensive network of participating merchants, featuring renowned names such as Ansgear, Newton Baby, Wayfair, Winkbeds, and many others.
For those seeking the ability to acquire higher-value items through an installment financing tool, an option is available. However, it is worth noting that while this offers more flexibility beyond SplitPay’s $1,000 limit, it comes with an APR of up to 29.99%.
App Store Rating
Sezzle
App Rating
4.9/5
Min. Value
Varies
Max. Value
Varies
Tip: Sezzle is among the Pay-in-4 apps that can assist in improving your credit score, even if you have a less-than-ideal credit history. Impressively, it boasts an exceptional App Store rating of 4.9/5.
Sezzle is Accepted By
Byte
- Byte is a teledentistry and orthodontic company offering clear aligner treatment for teeth straightening. They provide a convenient and remote approach to achieving a straighter smile with customized aligners.
Luvme Hair
- Luvme Hair is a prominent hair extension and wig company known for offering high-quality, natural-looking hair products, including extensions, wigs, and bundles, catering to a diverse range of styles and preferences.
Target
- Target is a well-known American retail corporation that offers a wide range of products, including clothing, electronics, household goods, and groceries, through its brick-and-mortar stores and online platforms.
Pure Hockey
- Pure Hockey is a popular retailer specializing in ice hockey equipment and gear. They offer a wide range of products for hockey enthusiasts, including skates, sticks, protective gear, and apparel.
Galls
- Galls is a leading supplier of public safety equipment and apparel. They provide law enforcement, security, and first responder professionals with a comprehensive range of uniforms, gear, and tactical equipment.
This popular buy now, pay later app, available on the Apple Store, provides a convenient way to make payments across numerous online shopping platforms.
Notably, it extends its services to all individuals who meet basic requirements, without emphasizing a perfect credit score. Moreover, it offers the Sezzle Up program, which enables you to enhance your credit score. You can achieve this by settling your orders ahead of schedule, linking your bank account, and verifying other personal information.
With a robust network of merchants, including well-known brands such as Softmoc, Fashion 10, Pruvit, and more, you can utilize this service directly or via its Visa virtual card for shopping at a wide array of retailers.
App Store Rating
Perpay
App Rating
4.6/5
Min. Value
Varies
Max. Value
$1,000
Tip: Perpay offers a buy now, pay later service with no credit check needed. Instead, it assesses your eligibility based on your paycheck. It boasts an impressive 4.6/5 rating on the Apple Store.
This credit check-free buy now, pay later service is tailored for employed individuals, solely using your employer’s direct deposit as the eligibility criterion to determine your shopping credit limit.
While it functions as an in-house pay-in-4 shopping platform, its operational approach distinguishes it. It restricts purchases to its own marketplace but provides a virtual card to utilize your allocated spending power for orders on other platforms.
Additionally, Perpay assists in improving your credit score by reporting your repayment history to major credit bureaus like Experian, TransUnion, and Equifax.
App Store Rating
Zilch
App Rating
4.2/5
Min. Value
$10
Max. Value
$1,000
Tip: Zilch is another buy now pay later app on the Apple Store that allocates to you its Mastercard which you can use to make payments in installments online.
This platform offers a debit card-based financing solution, providing you with a virtual card for seamless payments across a multitude of online merchants.
This approach is ideal for individuals looking to shop and split their purchase costs, without concern for whether their chosen merchant accepts their preferred buy now, pay later service.
Your Mastercard-branded debit card is accessible within the Zilch app and is directly linked to your available spending credit. Furthermore, the platform offers rewards, granting you 2% cashback to your reward wallet every time you make upfront payments using your Zilch card.
App Store Rating
AmEx Plan It
App Rating
4.9/5
Min. Value
$100
Max. Value
Varies
Tip: Plan It is a financing tool from American Express and it is connected to your existing account hence, you can access it directly from your AmEx app.
Plan It is Accepted By
Delta Airlines
- Delta Airlines is a major American airline known for its extensive global network, providing domestic and international flights. It’s renowned for its exceptional service, reliability, and frequent flyer program, SkyMiles.
AmexTravel
- AmexTravel is the travel booking platform offered by American Express. It allows cardholders to book flights, hotels, car rentals, and more, often offering exclusive benefits and rewards for American Express members.
AmEx App
- You have the option to designate purchases for inclusion in your Plan It orders list, and the installment plan will be automatically applied during settlement through the American Express app.
American Express’ buy now, pay later tool, Plan It, serves as a valuable extension to your existing account, enhancing your experience with its array of benefits.
With Plan It, you can effortlessly spread payments over multiple months, and unlike some providers on this list, there are no interest charges. Instead, a fixed monthly fee is applied.
While its presence may not be as extensive on shopping platforms, you can conveniently access the tool within the app. This allows you to strategically plan your purchases, converting them into Plan It orders for easy monthly repayments after using your American Express card.
App Store Rating
Apple Pay Later
App Rating
N/A
Min. Value
$50
Max. Value
$1,000
Tip: Apple Pay Later is a convenient and secure BNPL service from Apple and is available to use through the Apple Wallet.
Apple Pay Later, also known as Apple’s Buy Now, Pay Later (BNPL) service, is a financial offering designed to enhance the purchasing experience for Apple users.
It allows you to buy products and services, including Apple devices, and pay for them over time through installment payments.
Apple Pay Later is seamlessly integrated into the Apple ecosystem, making it accessible through the Apple Wallet app. Users can apply for this service, which is subject to approval based on individual creditworthiness. Once approved, you can use it for various purchases, both online and in physical stores, wherever Apple Pay is accepted.
Whether you want to buy now and pay later on the Apple Store or need a pay-in-4 app for your App Store subscriptions and purchases, you should be able to find one that works perfectly for you.
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