Four | Buy Now, Pay Later

Description

Reviews Reviews the App Store features, not the newest.

From 123,712 ratings.

1. ★☆☆☆☆ Trash service, all AI generated and impossible to get clear responses. Lyndsysm · 27 May 2026
   Went to make my first purchase using this app and realized I ordered the wrong size. Got the original order cancelled and refunded and went to re order the same item in a different size. For no reason at all my spending power decreased despite having made any purchases through the app yet or had any changes to my own personal finances. Couldn’t repurchase the item because my new limit wouldn’t cover it. When reached out to the app help it was all AI responses that just kept saying it didn’t understand my question and to rephrase. Finally found a number I could leave a message and get a “live a

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   gent” response. The “agent’s” name kept changing yet the response was talking in circles about the system being auto generated based on activity. I explained that it didn’t make sense I was being faulted for having to cancel an item and I did not get any clear answer as to why that would happen. Just kept repeating the same auto generated reply. The fact I hadn’t even had a purchase yet and had to deal with this much stress and my limit dropped almost a hundred $$ I will never use this app again there’s so many other reliable apps like this that have dependable customer service.
   Developer reply · 28 May 2026

   We understand how frustrating that would be and extend our apologies for your experience. Our Support team would love to be able to help! Please chat with us at http://paywithfour.com/chat.
2. ★★★★☆ Needs an Anywhere Card UnHappyyy User · 26 May 2026
   I would give Four 5 stars if they had an “anywhere use card” because you can’t use Four anywhere like you can some of the other pay in four apps. However, Four is easy to use and fairly straightforward. But definitely needs to add the “anywhere card use” so you can use this at smaller retailers and have the option to add the card to your Apple/Google Play wallet. I’d happily pay a little more per month to have that option. I also like that my spending limit doesn’t seem to constantly “yo-yo” up and down like with other apps such as Sezzle, where they constantly raise and lower your spending li

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   mit whether you’re using it or not and then claim a “system” determines it when it all actuality, it’s based off of how much money you currently have in your linked bank account. You should be rewarded for paying on time, not punished for actually using it or not using it often. So far, I was assigned a spending limit with Four and it hasn’t changed. I know what my limit max is and that set amount hasn’t changed except for what I have used if that set limit. They have changed my amount daily so I appreciate that.
   Developer reply · 28 May 2026

   We are so happy that you are finding Four to be fun and easy to use! Thank you for being the best part of the shopping experience.
3. ★★☆☆☆ Just ok Peachy1235 · 5 Nov 2025
   First of all, I will say the app does what A promises. Lets you divide your payments into like other pay apps. They have a better access to storage. Do you have to pay a $12 a month fee which is OK other apps do the same. I really want to like this app, but I’m not I have like a $500 credit limit at the moment because I only used some a couple times. However, when I go to place an order and gives me a $100 spending limit. You try to contact customer service and it’s impossible. It’s all AI generated and you asked to talk to a human and it tells you that this is a chat room response times

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   are going to be OK fine I’ve been waiting two weeks for a response. I’m just not a fan of this particular app. I will use it every now and then if there is something I want and maybe after I use it more, they’ll give me more of a spending limit per order, but I’m not gonna spend money unnecessarily for things I don’t need. I like to use these apps for travel. With the discrepancy between my total spending power and the less than a quarter of that amount that I’m approved for per order, this app is gonna be useless for me.
   Developer reply · 7 Nov 2025

   We understand how frustrating that would be and extend our apologies for your experience. Our Support team would love to be able to help! Please reach out to us at support@paywithfour.com.
4. ★★☆☆☆ Has totally changed M.S.2008 · 14 Nov 2024
   Have been using the app since 2022. Never had a cap on what I was allowed to spend per order, as long as it was under the spending limit. Have a $1900 spending limit and have placed many orders totaling thousands of dollars in the past. Now when trying to place orders, it tells me I’m allowed to spend only x amount on an order. I’ve placed several orders at once, totaling almost my entire limit with no issue before. Now, it’s an issue. I understand that there may be a flood of new customers and you’re trying to be cautious. But if you have ppl that have been using this service for some time no

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   w, at least show loyalty to them. I’m trying to buy some bigger ticket items for Christmas and my daughter’s bday, as I did last year with no problem, and now I’m unable to since my order total cannot exceed freakin $40! What am I supposed to do with that?! $1900 spending limit and it serves me no purposes now because you decided to change up everything about this service. That’s not right, nor is it even fair especially since I used to be able to purchase with no order limit for the past 2 years. I love the variety of stores you offer but this serves me no purpose at this point! What am I going to do with a $40 order limit?!
   Developer reply · 21 Dec 2023

   We’re so sorry that you’ve run into technical trouble. We would love to hear from you so we can help! Please reach out to us at support@paywithfour.com.
5. ★☆☆☆☆ Caution Kingismine17 · 21 Mar 2024
   I have used a few other pay in 4 apps each with a positive outcome, but this Four app/company is awful. Their customer service is horrible and the time it takes to get any kind of response is unacceptable. I had ordered a large amount of items from a retailer, but only received four of the items in that order. The majority of the order was delivered to the wrong address. Four did absolutely nothing to help with this issue. Their customer service response was to contact the retailer, which I had, of course already done. The retailer had issued the credit for the items I did not receive within t

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   wo days of my reporting the issue. Although I contacted Four several times they continued to debit my payment method for the final three payments, that were not owed because I did not receive the items. After many calls and messages, it still took nearly three months before Four processed the refund from the retailer. They charged a $7 late fee for those final three payments that were not in any way late, as I did not have the merchandise. They deducted those fees from my refund. Absolutely nothing I could do to speed the process up or actually receive the correct refund amount. Three months for the company to return my money and short me on top of that. I’d label this company as sketchy at best. Just don’t bother. Klarna, Afterpay and ZIP are so much more reliable and customer satisfaction oriented.
   Developer reply · 22 Mar 2024

   We understand that waiting for a refund can be stressful and we’d never want you to feel like you’re not being heard! Please feel free to reach out to us for more information at support@paywithfour.com.
6. ★☆☆☆☆ Went downhill fast! Don’t waste your time trying this app! !!!!!:;()!!!!!! · 29 Dec 2023
   Been using Four for 2.5 years now and it’s always been great and easy to use especially around the holidays. Spending limit $1200 and have made purchases of up to $600 in one transaction without any problem. Have never missed a payment and 2 months ago back in October I tried to make a $50 purchase using Four. I was declined with their normal “we can’t accept all orders” yada yada.. It was whatever and tried a week later on another site for $75.. Same Notice if they can’t accept my order. I reached out to customer service to see if there was an issue with my account and they gave the same scri

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   pted response of how I’m approved and disapproved for orders and to try again in a week.. The Christmas season was coming up so at the start of December I tried to start my shopping early and again no matter what website I clicked on or dollar amount I tried it gave me the same I can’t be approved for the order. I’ve tried $300 like I used to be able to do without issue down to the minimum of $35 on orders and no luck.. I reached out to customer service again to try and see what is really going on but it was the same scripted response again and to try again in a week(no help). App is fully updated, banking and card accounts have never changed, so not sure what is going on with the company. Don’t waste your time on this one and stick to one of the more notable ones that will actually work when you need them.
   Developer reply · 2 Jan 2024

   We’re so sorry to hear that you’ve run into this issue. Please reach out to us at support@paywithfour.com—our team is here to help!
7. ★★★★★ Frustrating ccunning1 · 10 Dec 2022
   I’ve been using this app for a while now. Like, a year. They started me out with a $150 spending limit. Not so great but whatever. Never late on a payment but my income did drop last year for a minute so without warning and again without ever being late they dropped my spending limit down to $100. Somehow it creeped up to a random $130 spending limit. Ok. So I’ve been using it and paying things off on time with the assumption that good payment history will increase the spending limit. My income changed again. I now work full time making over $20 an hour. You would think that they would conside

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   r an increase in the spending limit. Still I never saw increase. Recently messaged them to ask about it. They told me that the system would “consider” it if I were to attach another bank account that had more money in it than my current one. So…I’m sorry I just don’t have a secondary bank account with unlimited money in it to raise my spending limit for your stupid app. If I did, I would hope that I would be able to manage my two bank accounts full of money enough so I would not have a need for a pay in four app like this. I’m just saying. Dear pay with four…I’ve been a loyal customer on your platform for a while now. Haven’t been late. I’ve been overly patient and understanding all the times my orders got cancelled and you needed WEEKS to have your team review the obvious proof and refund money. I have been patient. But I am not gonna be insulted further. There’s other apps and there’s also a thing called budgeting that makes your app worthless.
8. ★★★★★ Genuinely better than the competitors! Erdanddwd · 12 Sep 2022
   This app is honestly the best kind of buy now, pay later app that allows you to split your payment into 4 interest free payments every two weeks. I can’t speak on the customer service others complain about as I’ve had zero issues with using Four. But what sets Four apart is how they don’t do what the competitors do and start you off with a ridiculous and laughably low $250 limit, I was started with over $2,200. So it makes Four an actually useful app, because tbh I don’t need an extra few weeks to pay for an order that costs a couple hundred bucks that I’d just be able to pay in full, it makes

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   it redundant and irrelevant. Yea I’m aware they’ll raise your limit over time, but what’s the point in starting off so low and having to make tiny purchases over and over again for a few months to finally get up to a reasonable and worth while limit? Especially when there’s Four who starts you off with a useful limit to begin with. And you can link multiple bank accounts (if you have more than one) to instantly raise your limit even higher! They also have tons of great stores to choose from, pretty much anywhere you’d wanna shop at-including high end luxury brands like dior and Saint Laurent, and even though you can’t necessarily use them on any site at all like others, there’s plenty of stores you can use, and even though they don’t have Gucci, they have neiman Marcus, bergdorff, and saks, so I was still able to get the exact Gucci items I was looking for on Guccis site through Four, and it worked just as seamlessly, simple, and easily as you’d expect, and two days later, my order arrived :) I’ll definitely be using Four again when I want a particularly expensive item I can’t necessarily afford at once but don’t wanna wait another week or two to get paid again to buy, especially because it’s completely interest free and you’re not spending a single penny more than you would if you bought it with your debit card in full, so it’s great.
9. ★★☆☆☆ Charged me and I never got my order groupiepon · 24 Jul 2022
   My first order with four went very well. No issues. Was able to order through the app and everything went smooth. My second order however was a nightmare. The app kept freezing up. I finally got my order placed after having issues using the four card to pay for my order. They took the money out of my bank account, but my order never showed up to the merchant. I emailed and tried to chat with a representative to fix the problem, and sent in screenshots of my bank account to where they took the money out. Customer service replied, asked for the pictures and the problem, and I waited 30 minutes o

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   n the chat waiting for a response and got nothing. Finally they came back and said they were passing it to somebody. It has now been over 24 hours and I still have not received any information about moving forward with my order (which is what I wanted to do) or a refund. I use “buy now, pay later” apps all the time. I probably have almost all of them that are available in the US. By far Four has been the worst on customer service and communication.
10. ★☆☆☆☆ First time I used FOUR!!! CrazyBeeezank · 22 Dec 2021
    I went shopping at a store listed on their site for shoes and clothes for my kids and the total came out to be around $350 and so change. So I was approved for my purchase and was told how much I’d be paying for my purchases by payment to them and I agreed then got my information I needed to proceed to process the transaction as you normally would when using FOUR. Afterwards I checked my bank account to make sure everything was legit and at first it did. My order confirmation came, the order was processing and the first payment had come out my account. Well within 48 HRs of my purchase I recei

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    ved i email notification stating that my order had been canceled for nonpayment and in this case would’ve been on FOURS behalf. So of course I sent them a message about my situation and only received 2 messages at first with 1 simple sentence and I just wanted a refund and this was after I had already sent them a copy of the email stating the store canceled the order due to FOURs nonpayment, and a copy of my bank statement showing they took my money out my account and for a different amount then the total!!! Oh and I had to send my proof twice because they kept forgetting why I was contacting them! Also it took more then 2 weeks to finally get a response and my money back!!! Absolutely Ridiculous and they didn’t even offer not for the huge inconvenience it caused me!! That’s money I could of used earlier in December for my kids for Christmas!! Not on December 20th, 5 days before Christmas!!!! Definitely not a family company!!!!!

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