Reviews of Four | Buy Now, Pay Later

By: Four Technologies, Inc

List of user reviews and ratings for Four | Buy Now, Pay Later

Total ratings

4.39 (Rating count: 12,767)

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Review summary

Users praise ease of use, broad store options, and helpful, affordable payment plans that aid budgeting. However, frequent complaints focus on customer service performance and automated tools, plus payment/credit issues with merchants (including denials after payment) and checkout integration problems (Amazon/link capture, Target card). Overall, the app is user-friendly and useful for pay‑in‑4, but support reliability and merchant integrations need improvement.

Pros

Easy to use / intuitive interface
Wide selection of stores and generous credit line
Simple and affordable payment plans
Helps with budgeting and saves money
Smooth first-time usage and onboarding

Cons

Poor customer support and automated bot issues
Bot freezes when trying to contact support
Credit approval problems and reports of scams
Merchant payment issues and post‑payment denials
Merchant integration problems (Amazon link not captured; issues with Target)

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User Reviews

Recent rating average: 3.40

All time rating average: 4.39

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3% (144)

Date	Author	Comment
2026-06-29	Fr*****	100%👍
100%👍
2026-06-29	Ke*****	excellent response and reasonable payment plans
excellent response and reasonable payment plans
2026-06-28	Cl*****	all my balances are paid in full,my account is the same and I still get income. I paid for my membership and cant use this app still!!! my limit is $400 and still cant use it. Started out as a good crutch for emergencies but now it's giving trash. Im going to look for better apps. DONT WASTE YOUR TIME HERE
all my balances are paid in full,my account is the same and I still get income. I paid for my membership and cant use this app still!!! my limit is $400 and still cant use it. Started out as a good crutch for emergencies but now it's giving trash. Im going to look for better apps. DONT WASTE YOUR TIME HERE