What's the best Android app for splitting online shopping payments into interest-free installments?

Four | Buy Now, Pay Later is a financial application tailored for Android users seeking to manage expenses by breaking down online purchases into manageable, interest-free segments. The core functionality revolves around splitting transactions into four equal payments, which are automatically deducted from a linked bank account over a set period. This approach is particularly useful for budgeting larger or unexpected purchases, such as electronics, concert tickets, or household items, without incurring debt from interest. A key feature is its broad merchant acceptance, allowing users to shop at a wide variety of online retailers rather than being limited to specific stores. Reviews indicate that consistent, on-time payments can lead to increased spending limits, with some users reporting access to thousands of dollars in purchasing power over time. The app includes in-app guidelines for store-specific rules, which can help avoid order cancellations at partners like Ticketmaster, though some users note issues with platforms like StubHub. However, there are limitations to consider. A membership fee applies, and initial spending power is often based on linked account activity, which may restrict early usage. Users report occasional confusion with payment scheduling, such as notifications persisting beyond the first charge window, and customer service responses can be delayed, as noted in feedback where resolution took months. Despite these drawbacks, the app is generally praised for its straightforward interface and reliability, making it a solid choice for disciplined shoppers who want to spread costs responsibly across multiple retail environments.