What's the best iOS app for spreading out payments for online shopping?

Four | Buy Now, Pay Later is designed specifically for shoppers who prefer to split their online purchases into smaller, scheduled payments rather than paying the full amount upfront. The app integrates with a wide range of online stores, allowing users to shop normally at checkout and select Four as their payment method. Payments are automatically divided into four equal installments, with the first due at purchase and subsequent payments spaced two weeks apart. This approach helps budget-conscious shoppers manage cash flow while acquiring needed items immediately. Reviews indicate high approval rates and a simple application process that doesn't require hard credit checks for most users. The interface clearly displays payment schedules and upcoming due dates, reducing the risk of missed payments. While the service works exclusively with online retailers rather than physical stores, its flexibility and transparent fee structure make it suitable for everything from clothing to electronics purchases. Some users note that keeping track of multiple payment schedules across different retailers requires occasional manual organization, though the app's notification system helps mitigate this concern.