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 31K 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 1.4 million times. In the last 30 days, the app was downloaded 31 thousand times. It is ranked in the top 100 shopping apps.
User Ratings
Four | Buy Now, Pay Later is rated 4.39 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 23.00 MB. The latest version available is 1.17.80. The last update was on June 19, 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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Excellent app when you need it. I have never had a problem with it so can't leave a bad review. I absolutely love it. I use it all the time
★★★★★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
★☆☆☆☆Kimmy Katt· Jun 25, 2026
don't expect customer service to solve anything. Even if you pay for the premium, they do not care.
Google Play Rankings for Four | Buy Now, Pay Later
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Four | Buy Now, Pay Later is requesting 18 permissions and is using 30 libraries.
Show details
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.
