Four | Buy Now, Pay Later streamlines online shopping by letting users split purchases into four installments and manage orders across hundreds of retailers in one app. It holds a US SHOPPING ranking of #74 with a 4.45 rating from 12,410 reviews, and shows strong growth with total downloads at 1,000,000+ and 40K in the last 30 days.
Pros & Cons
Split payments in 4 installments with clear due dates
Flexible payment plans with reminders
All-in-one shopping, order tracking, and payment management
Access to hundreds of partner retailers and exclusive Four+ perks
No explicit credit or interest-based financing option listed
Not available in NM per current description
Lacks certain card-based, loan-like terms and deals seen in some competitors (e.g., credit, interest, loans, fees)
About Four | Buy Now, Pay Later
Four | Buy Now, Pay Later is a shopping app developed by Four Technologies, Inc.
How many times has Four | Buy Now, Pay Later been downloaded?
Four | Buy Now, Pay Later has been downloaded 1.4 million times. In the last 30 days, the app was downloaded 40 thousand times. It is ranked in the top 100 shopping apps.
What is the rating of Four | Buy Now, Pay Later?
Four | Buy Now, Pay Later is rated 4.38 out of 5 stars, based on 13 thousand ratings.
Is Four | Buy Now, Pay Later free?
Four | Buy Now, Pay Later is free to download. The APK download size is 23.00 MB. The latest version available is 1.17.80. The last update was on June 19, 2026.
What are the requirements for Four | Buy Now, Pay Later?
Four | Buy Now, Pay Later requires Android 6.0+ or higher. The app has a content rating of Everyone. The app has been available on Google Play January 2021.
Description
FOUR MAKES ONLINE SHOPPING SIMPLE, FLEXIBLE, AND REWARDING.
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I have used Four several times and haven't had any issues. The credit amount is a little deceiving... it states I had credit of like $1900 but once I choose your store it went down to like $800. It was still cool though, because my purchase was only $400.
★★★★★Tim Hannon· Jun 26, 2026
Easy to use. No hassles or a bunch of hoops to jump through. And a major bonus being able to use a cc for down payments, rather than all the other BNPL co's are debit only. It tells me they are more trusting and geared towards cust serv, rather than making things harder for the customer, like EVERY single co I've dealt with this year does. The world of companies caring about customer service and customer satisfaction is long gone. Greed, the root of all evil, has officially taken over. No lie
★★★★★Matthew Thomas· Jul 9, 2026
I have never had an issue with four, I prefer them over any other buy here, pay here app. Yes they charge $12.99 in order to shop at major retail stores, but I think it's worth it. The only downfall is they should have a rewards program
★☆☆☆☆Ebony Griffin· Jul 10, 2026
Amazon rejected my order and Four refuses to refund me even with proof from the Customer service rep. I have filed a complaint with my bank as well as the Better Business Bureau and block Four from all of my accounts. Fake generic response, you guys use AI as customer service which decides whether the refund is approved on Four's end even though the retailer cancelled and refunded the order my money was still taken from my account even after reporting that it was refunded and the claim was denie
★☆☆☆☆Jennifer McKillip· Jul 2, 2026
Everything went great except when I had a return and needed the adjustment. The computer only adjusted 35 cents out of a $20+ return. Tried reaching out to customer support and - shocker- it's an AI bot who couldn't help me or direct me to a human. I had the premium account and cancelled because it's ridiculous how poor the customer service is. They purposely make it atrocious as a way to keep your money. There are much better apps out there.
Google Play Rankings for Four | Buy Now, Pay Later
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Trust & Safety: The app requests a broad set of permissions typical for shopping apps, including location, camera, storage, biometric authentication, notifications, and network access, plus ad identifiers. Privacy policy and user agreement are available at the provided URLs; users should review permissions during install and in Settings for safety and privacy.
Each subscription will automatically renew 3 days before the expiration date for
the same time period. Subscriptions can be cancelled at any time before the renewal.