What's the best iOS app for splitting large purchases into smaller, manageable payments over time, making it easier to budget and afford necessary items?

Afterpay: Pay over time is an excellent choice for splitting large purchases into smaller, manageable payments over time. It allows users to divide the cost of items from various retailers into four installments, typically paid every two weeks, without interest when payments are made on time. This feature is particularly useful for budgeting and affording necessary items, especially when facing unexpected expenses or planning for larger purchases like travel or electronics. The app provides a convenient way to shop at numerous participating stores and manage payment schedules directly from your mobile device. To use Afterpay, simply shop at a retailer that offers it as a payment option, select Afterpay at checkout, and follow the prompts to create an account or log in. Your purchase will be divided into four installments, with the first payment due at the time of purchase. The remaining payments will be automatically charged to your chosen payment method every two weeks. This flexibility can significantly ease financial strain and make shopping more accessible.