Unfortunately no suggestion, but love this idea and following for suggestions. I also struggle with just having a “reminder” system and prefer autopay Answer from Deleted User on reddit.com
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WillowPays
willowpays.com
Pay Any Bill with Credit Card | Split Bills into 4 Payments | WillowPays
Pay bills with your credit card even when providers don't accept cards. Split any bill into 4 easy payments with no interest. No credit check required.
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Deferit
deferit.com › en-us › how
Pay bills in 4 | Deferit
Pay bills in 4 flexible installments. Upload a bill, we pay it upfront, you pay it back over time. Get started today!
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Zip
zip.co › us › shop › bills
Pay your Bills with Zip in easy installments | Zip
It’s fast and easy to pay unexpected utility bills in 4 payments¹ using the free Zip app. Simply log into your Zip account, locate your utility provider, enter your bill amount, and select the “Pay with Zip” option.
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Deferit
deferit.com › en-us
Split Bills and Manage Payments Online | Deferit
The most flexible bill payment solution. Pay any bill in 4 installments and manage your bills in one place. Start today!
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Neonforlife
neonforlife.com
Neon For Life | Pay Bills In Installments
Pay Rent and Utilities in Installments. Get flexible plans to Pay in 4, 6, or 12 installments at APR as low as 0%.
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Wagetap
wagetap.com › bill-split
Best Payment Plan App to Split Your Bills | Wagetap
Similarly, if you have a bill for $350 and you’re eligible for $300, you won’t be able to use the bill split for that bill. ... Yes! However, there is no option to choose whether your bill will be split into 3 or 4 equal payments.
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Reddit
reddit.com › r/budget › any apps/websites that split bills into 4 payments?
r/budget on Reddit: Any apps/websites that split bills into 4 payments?
September 23, 2024 -

So I use SmartPay to automatically pay my note every other week, (makes it easier so I don't have $389 coming out of one check), which also sneaks in a few extra payments so I'm on track to pay off my car early. But I don't really like the fact that it doesn't have an app or an accessible website. The only way to do anything is to call.

Is there an app or website that maybe does something similar? I'm keeping my car note on SmartPay but I'd like to start splitting my other bills up as well. I get paid weekly, so splitting my bigger bills into weekly payments I feel is the better way to make all my payments, while still have money to buy groceries/gas, etc each week. Especially for the paycheck that rent is due.

Eventually I plan to move my bills to my credit cards to maximize my cash back, but the whole reason for budgeting is to pay off my cards that are maxed out and start a savings. I get paid every Friday from my main job and then every other Thursday at my part time job, but the hours at my second job vary a LOT so I don't even have that income considered into my budget because the paychecks vary too much (I get paid by the project @ 11.50/hr so some paychecks only have 14 hours on them and others have 25 hours).

Any suggestions? Most of the apps I've found only payments every other week and like I said, I'd like to make payments every week. I'm not that good at keeping track of stuff, otherwise I'd just make a reminder in Google Calender or Notion to make a payment on something. Automatic payments are easier.

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App Store
apps.apple.com › us › app › deferit-pay-bills-in-4 › id1454473561
Deferit: Pay bills in 4 App - App Store
Take control of your bill finance and budget with confidence. Deferit empowers you to pay any service bills on your terms, with no interest. Simply upload a bill, and we pay the bill for you.
Rating: 4.8 ​ - ​ 20.3K votes
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Paylaterr
paylaterr.com
Split Bills and Manage Payments Online with PayLaterr
We cannot provide a description for this page right now
Find elsewhere
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Wagetap
wagetap.com › electric-bill
Instant Help Paying Your Electric Bill | Wagetap
Wagetap gets you instant help with paying your electric bill. Get fast cash or split your bill into 4 equal payments. Download our app today!
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Google Play
play.google.com › store › apps › details
Deferit: Pay bills in 4 - Apps on Google Play
Take control of your bill payments, finance and budget with confidence. Deferit empowers you to pay any service bills on your terms, with no interest. Simply upload a bill, and we pay the bill for you.
Rating: 4.6 ​ - ​ 15.6K votes
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Klarna
klarna.com › us › store › f8e23248-88c7-434c-996e-d8e32a3185dc › Bills-Outlets › pay-with-klarna
Buy now pay later at Bills Outlets - Pay in 4
Access Klarna's flexible payment options anywhere and unlock cashback rewards at top stores — exclusively in the Klarna app.
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Gerald
joingerald.com › blog › split-4-payments-buy-now-pay-later-cash-advance
Split 4 Your Payments: Smart Buy Now, Pay Later + Cash ...
May 27, 2025 - This is where Gerald's "split 4" payment solution becomes a lifesaver. Instead of draining your savings or resorting to high-interest credit, you can use Gerald to pay later for bills like that insurance premium, breaking it into four smaller, more manageable payments over the next few weeks.
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Synchrony
synchrony.com › financing › paylater
What is Synchrony Pay Later? - Synchrony
Pay in 4: When you applied for a Synchrony Pay in 4 loan, you set up autopayments, so you don’t need to do anything else. You will be reminded of an upcoming payment via email before your payment is due, and the payment will be processed when the payment is due. You will receive another message confirming that each payment was processed by us. Pay Monthly: You can pay your loan payments with a debit card or ACH transfer online at paylater.syf.com...
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GoCardless
gocardless.com › en-us/resources › payments › pay in 4: should you offer it?
Pay in 4: Should You Offer It? | GoCardless
March 11, 2022 - The customer usually pays the first installment at the time of purchase, and the following three at regular intervals over the next few weeks. These interval timings will vary by provider. For example, PayPal’s Pay in 4 program spreads the cost over six weeks. This allows the customer to pay bills in 4 payments without any additional interest charges or fees.
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PayPal
paypal.com › us › digital-wallet › ways-to-pay › buy-now-pay-later
Buy Now Pay Later | Pay in 4 | Pay Monthly | PayPal US
Pay in 4 is always interest-free, with no late fees or sign-up fees. With Pay Monthly, you will pay a fixed interest rate, which varies based on your credit, and you won't pay any late fees or sign-up fees. Yes. You can view your Pay Monthly remaining balance in the PayPal app by clicking Pay Later. There you can make additional payments as desired or pay off the loan in full at any time and you won’t be charged a fee or penalty if you do so.
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TikTok
tiktok.com › discover › app-pay-utility-bills-in-4-payments
App Pay Utility Bills in 4 Payments | TikTok
3 weeks ago - Paylaterr payment plan, installment payment options, split bills in four, how to manage bills easily, benefits of installment plans, pay bills online conveniently, flexible payment solutions, budgeting with installment payments, managing expenses ...
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WalletHub
wallethub.com › answers › b › buy-now-pay-later-apps-for-bills-2140884835
Best Buy Now, Pay Later Apps for Bills (2025)
April 7, 2025 - The best buy now, pay later apps that you can use for bills are Zip and Deferit. These apps allow you to split your bills – such as utilities, car insurance, subscriptions, and medical bills – into four installment payments to give you more time to pay if you don’t have enough money to pay in full by the due date.
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Klarna
klarna.com › us › pay-in-4
Pay in 4 payments, interest-free | Klarna US
Pay in 4 allows you to split your purchase into 4 interest-free payments, paid every 2 weeks. Just choose Klarna at checkout at partner stores. The first payment will be taken from your credit card, debit card or bank account when your order ...
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Sezzle
sezzle.com
Buy Now Pay Later | Pay in 4
Sezzle allows you to buy now and pay later! Shop now, get what you need, and pay later in 4 interest-free installment payments over six weeks. Learn more!