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 42K 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.
Download Statistics
Four | Buy Now, Pay Later has been downloaded 1.5 million times. In the last 30 days, the app was downloaded 42 thousand times. It is ranked in the top 100 shopping apps.
User Ratings
Four | Buy Now, Pay Later is rated 4.38 out of 5 stars. The rating is based on 13 thousand ratings.
App Information
Four | Buy Now, Pay Later is FREE to download. The APK download size is 15.07 MB. The latest version available is 1.17.85. The last update was on September 1, 2026.
Technical Requirements
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. Buy now, pay later at hundreds of online retailers. Split your purchase into 4 easy payments—paid every two weeks—so you can shop what you love while staying on budget. Manage every order in one shopping app and enjoy a faster, smoother checkout experience. Upgrade to Four+ for access to exclusive stores, special offers, and more ways to shop online.
WHY SHOP WITH FOUR? • PAY IN 4 INSTALLMENTS Split payments over time with clear schedules so you know exactly what’s due and when. • FLEXIBLE PAYMENT PLANS Stay on budget with predictable due dates and helpful payment reminders. • ONE SHOPPING APP FOR EVERYTHING Browse partner stores, track orders, and manage your payment methods in one place.
HOW FOUR WORKS 1. DOWNLOAD the Four shopping app and sign up in minutes. 2. SHOP ONLINE at your favorite Four partner retailers. 3. TAP “PAY WITH FOUR” at the bottom of your screen when you’re ready to check out. 4. PAY EVERY TWO WEEKS — your first payment today, the rest in 2-week intervals.
WHY USERS CHOOSE FOUR • Quick and easy sign-up process • Access to hundreds of online shopping options • Manage your installment plans and track spending • Get notified before each payment is due • Works with top online retailers for a seamless checkout
DOWNLOAD FOUR TODAY and discover a better way to shop online—buy now, pay later in 4 installments, and stay in control of your spending.
Users must be 18 or older, a U.S. resident, and meet additional eligibility requirements. Not available in NM.
By using the Four app, you agree to Four’s User Agreement and Privacy Policy.
https://www.paywithfour.com/legal/user-agreement
https://www.paywithfour.com/legal/privacy-policy
Recent changes: Bug fixes and improvements to make your shopping experience better than ever!
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Best pay in 4 app I've used so far! The web view can be a bit slow and clunky at times but most pay in 4 apps that use a web view are. I decided to give this one a try because I got SICK AND TIRED OF AFTER PAY. I will definitely be using Four from now on.
★★★★★Greg Fisher· Aug 12, 2026
I love using it quickly. It's easy to set up and place your order using their card, plus they give you a nice starting balance
★★★★☆mikel crabill· Sep 11, 2026
Great list of stores but missing the ones I would truly want to shop at a virtual card overall would be a nice addition
★★★★★Cassandra Woulard· Sep 4, 2026
I love this app buy now pay later. I had large credit amount from day one. I can use it basically everywhere I shop. ❤️❤️
★★☆☆☆Tristan Handy· Sep 10, 2026
Can't really Judge it let, I got my spending limit but the app glitches when I click add a payment option, and it goes back to reentry screen.
★☆☆☆☆Brandon Encinas· Aug 29, 2026
Gave me $200 spending power, made me subscribe for $12.99 a month to actually use the app at the store I wanted (Amazon), and then refused to allow me to use any of that spending power, even with my bank account verified. How are you going to tell me a specific number up top AND charge a subscription, but still not allow me to do anything? Nah man, I need a refund for this asap. Adding subscriptions to these are so horrible.
★☆☆☆☆Michael Del Sasso· Sep 11, 2026
Do not use!!!! Tells you that you have a spending limit, but when you try to make your first purchase, it shows 0 dollars without any reasoning. Their customer service chat is AI which will pull you into circles without talking to a real person. This scam company needs to be shut down.
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.
