Four - Buy now & pay later

FOUR SIMPLIFIES ONLINE SHOPPING, MAKING IT FLEXIBLE AND REWARDING.

Purchase now and pay later at a variety of online stores. Divide your payment into four manageable installments—due every two weeks—allowing you to buy what you love while maintaining your budget.

Manage all of your orders in a single shopping application for a quicker and more efficient checkout process. Upgrade to Four+ for exclusive access to select retailers, special deals, and additional online shopping options.

WHY CHOOSE FOUR FOR YOUR SHOPPING?

• PAY IN 4 INSTALLMENTS

Distribute payments over time with transparent schedules so you know exactly when each payment is due.

• FLEXIBLE PAYMENT PLANS

Keep your finances in check with predictable due dates and helpful reminders for upcoming payments.

• ALL-IN-ONE SHOPPING APP

Explore partner retailers, monitor your orders, and manage your payment options all in one place.

HOW FOUR FUNCTIONS

1.GET the Four shopping app and sign up within minutes.

2.SHOP ONLINE at your preferred partner retailers.

3.CHOOSE FOUR AT CHECKOUT to divide your total into four payments.

4.MAKE PAYMENTS EVERY TWO WEEKS — starting with your first payment today, followed by the rest in two-week intervals.

REASONS USERS PREFER FOUR

• Fast and straightforward sign-up process

• Access to numerous online shopping choices

• Manage your payment plans and monitor your spending

• Receive notifications before each installment is due

Compatible with leading online merchants for a smooth checkout experience

EXPLORE FOUR TODAY and find a better way to shop online—purchase now, pay later in four installments, and keep control over your budget.

Users must be 18 or older, residents of the U.S., and meet other eligibility standards. Not available in NM.

Title: A Game-Changer for Budget-Conscious Shoppers Seeking Flexibility

Having integrated FOUR into my online shopping routine, I’ve been genuinely impressed by how seamlessly it transforms large purchases into stress-free, manageable transactions. The app’s core promise—splitting payments into four interest-free installments—delivers tangible financial relief without hidden fees or complex terms. What sets FOUR apart is its elegant execution: the unified shopping dashboard lets me track orders across retailers, schedule payments, and receive gentle reminders, creating a sense of control I’ve never experienced with traditional credit. I particularly appreciate how the transparent due dates align with my pay cycle, eliminating guesswork and allowing me to enjoy purchases immediately while budgeting responsibly.

The checkout experience is frictionless—selecting FOUR at partner stores feels as natural as using PayPal, and the instant approval process respects my time. For frequent shoppers, upgrading to Four+ unlocks curated deals that often offset its cost, making premium perks feel like a reward rather than an expense. Whether refreshing my wardrobe or handling unexpected expenses, FOUR has become my go-to for preserving cash flow while avoiding debt traps. It’s more than a payment tool; it’s a financial wellness companion that empowers smarter spending with zero jargon or anxiety.

FAQ

Q: Are there interest charges or hidden fees?

A: No. FOUR splits your total into four equal, interest-free payments. Late fees may apply if scheduled payments fail, but the structure itself is transparent.

Q: Which retailers accept FOUR?

A: FOUR partners with major online stores across categories (fashion, tech, home goods). The app features a built-in directory to discover participating merchants.

Q: Is Four+ worth the upgrade cost?

A: If you shop frequently, Four+ pays for itself via exclusive discounts, early access to sales, and expanded retailer options—ideal for power users seeking maximum value.

Q: How does eligibility work?

A: Users must be 18+, U.S. residents (excluding New Mexico), and pass a soft credit check that doesn’t impact your score. Approval is typically instant.

Q: Can I manage multiple purchases simultaneously?

A: Yes! The app centralizes all orders, showing upcoming payments across retailers in one calendar view with customizable reminders.