What's the best iOS app for splitting the cost of online purchases into manageable installments, offering flexible payment plans and helping with budgeting?

Klarna | Shop now. Pay later. is a leading iOS app for splitting online purchase costs into installments, providing flexible payment plans and aiding in budgeting. It allows users to shop at various online retailers and pay for their purchases over time, rather than all at once. This feature is particularly useful for managing expenses and avoiding high-interest credit card debt. With Klarna, you can often choose between different payment options, such as paying in four interest-free installments or opting for longer-term financing with interest. The app provides clear visibility into your payment schedule and sends reminders to help you stay on track. Klarna also offers a virtual card that you can use for online purchases, adding an extra layer of security. By using Klarna, you can make larger purchases more affordable and improve your budgeting skills. The app's user-friendly interface and clear terms make it a popular choice for those seeking flexible payment solutions. Klarna's services can help you manage your finances more effectively while still enjoying the convenience of online shopping.