How FourWorks
Shop in app.Pay in four.
Get a one-time card in the Four app and split your purchase into 4 easy payments made every 2 weeks. No credit check.
Your one-time cardworks like any card
Shop retailers in the Four app. At checkout, enter your one-time card as you would any payment method—no new flow, just split into 4 payments.
Track and payin the app
Manage orders, view your payment schedule, and pay installments with your credit or debit card—all in one place.
Get ApprovedInstantly
Don't waste time with lengthy forms. You'll receive an instant decision with no impact to your credit score.
Getting StartedStep by Step
Download the App
Download the Four app on iOS or Android and create your account in minutes. All you need is your name, email, phone number, and a valid U.S. address.
Browse & Shop
Browse hundreds of online retailers inside the Four app. Find what you want, add items to your cart, and get your one-time virtual Four card when you're ready to check out.
Pay with Your Card
Enter the one-time Four card as your payment method at the retailer's checkout — just like any credit or debit card. No special button or sign-up on the retailer's site.
Pay in Four
Your purchase is split into 4 payments made every two weeks. The first payment is due at the time of purchase, and the remaining three are automatically scheduled.
FrequentlyAsked Questions
Does Four check my credit score?
No. Four does not perform a hard credit check and using Four will not impact your credit score. Approval decisions are based on other factors, and you'll receive an instant decision when you apply.
Are there fees or interest charges?
Four charges 0% interest on all purchases. Late fees may apply if a scheduled payment fails, and a platform charge may apply to automatic payments. To avoid the platform charge, manually pay at least 3 business days before your scheduled due date. See the User Agreement for full details.
What happens if I miss a payment?
Late fees may apply if you miss a payment. We'll always remind you before payments are due so you can stay on track.
Who is eligible to use Four?
To use Four, you must be at least 18 years old and a U.S. resident. Additional eligibility requirements apply. Four is not available in New Mexico. By using the Four app, you agree to Four's User Agreement and Privacy Policy.
How do I manage my payments and orders?
Everything is managed in the Four app. View your order history, track upcoming payments, and pay installments using your credit or debit card. Four sends payment reminders before each installment is due so you're never caught off guard.
What is Four+?
Four+ is an optional monthly subscription that gives you access to additional premium retailers, special offers, and more ways to shop online. You can upgrade to Four+ from within the app at any time.