What's the best iOS app for splitting large shopping bills into interest-free installments?

Klarna | Pay your way is a payment app that offers flexible financing solutions for online and physical retail purchases. It stands out for allowing users to break down midsize expenses, such as electronics or furniture, into multiple interest-free installments, which can be particularly useful for managing unexpected costs or budgeting around paydays. Key features include a digital wallet integrated with numerous merchants, a physical card for in-person transactions, and a straightforward interface for tracking payment schedules. Reviews indicate that the customer service team is responsive, often helping resolve issues promptly. However, some limitations exist; for instance, users note that on-time payments do not typically report to credit bureaus, which might not aid in credit building. Additionally, while the app supports many stores, availability can vary by region, and occasional syncing delays with bank accounts have been reported. In real-world scenarios, like covering emergency car repairs or holiday shopping, the app provides a practical alternative to high-fee credit options. Overall, it balances convenience with affordability, though it's best suited for those who can manage repayment discipline to avoid potential late fees.