What isFour?
Four is a Buy Now, Pay Later app that lets you split purchases from retailers in the Four app into 4 easy payments, made every two weeks. Download the app, get your one-time virtual card, and shop at hundreds of your favorite retailers in the app — all from one place. Manage your orders, track your payment schedule, and stay on budget with helpful reminders.
Because you pay with a one-time virtual card, Four works at stores that do not offer Buy Now, Pay Later themselves — there is no Four button to look for at checkout and no account to create on the retailer's site. Approval takes minutes, there is no hard credit check and no impact on your credit score, and every purchase is split into 4 payments at 0% interest.
See how it works ➔Why ShoppersChoose Four
4 Easy Payments
Split your purchases into 4 easy payments with clear schedules — you always know what's due and when.
No Credit Check
No credit check, no credit impact — get approved and start shopping right away.
One App for Everything
Browse hundreds of retailers in the Four app, track orders, and manage your payments — all in one place.
Quick & Easy Signup
Get started in minutes. Download the Four app, sign up, and start shopping today.
Payment Reminders
Get notified before each payment is due so you're always on top of your schedule.
Four+
Upgrade to Four+ for access to exclusive stores, special offers, and more ways to shop in the Four app.
Enjoy Now.Pay Later.
What OurShoppers Say
Really helps — when you're on a fixed income and need extra cash, Four really helps. Way better than using a credit card, spending thousands of dollars, and paying $25 a month with no end in sight. With Four, you split it into four payments and you're done. A quick payoff when you need it most.
Love that I can buy now and pay later! So much fun. I'll never miss a sale again!
I started doing a lot of budgeting and this is helping me keep track and stay in my budget! Thank you!
Four has made my online buying experience that much easier!
Such a good option to buy now and pay later, it was a seamless checkout process.
Four ata Glance
- Payments
- 4 installments, one every two weeks — six weeks in total
- Interest
- 0% interest and 0% APR on every purchase
- Credit check
- No hard credit check, no credit-score impact, no SSN required
- Payment schedule
- Every amount and due date is shown in the app before you confirm
- Where to shop
- Hundreds of online retailers, browsed inside the Four app
- How you pay
- A one-time virtual card issued in the app
- Availability
- U.S. residents aged 18 and over; not available in New Mexico
- Apps
- iOS and Android
CommonQuestions
Does the retailer have to offer Four at checkout?
No. Four issues a one-time virtual card in the app, and you enter it at the retailer like any other card. There is no Four button to look for and no account to create on the retailer’s site, so Four works at stores that do not offer Buy Now, Pay Later themselves.
Where can I shop with Four?
Hundreds of online retailers, browsed inside the Four app. Four+ subscribers also get access to additional premium stores and special offers.
Is Four available where I live?
Four is available to U.S. residents who are at least 18 years old and meet additional eligibility requirements. Four is not available in New Mexico.
How is Four different from a credit card?
A credit card gives you a revolving balance that accrues interest for as long as you carry it. Four splits one purchase into four fixed payments at 0% interest, with no hard credit check and no impact on your credit score. Late fees may apply if a scheduled payment fails.
Our full FAQ carries the same official answers as the Four app, covering payments, spending power, the Platform Charge and refunds. More detail on eligibility, fees, late payments and Four+ is on How It Works, and you can reach the support team from the Contact page.
Download the Four app to get your one-time card and pay in four. Available on the App Store® and Google Play.