Reviews of Four | Buy Now, Pay Later

By: Four Technologies, Inc App

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

Total ratings

4.37 (Rating count: 12,952)

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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: 3.50

All time rating average: 4.37

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24% (156)

Date	Author	Comment
2026-07-25	Ki*****	the service is exceptional
the service is exceptional
2026-07-25	pe*****	I've used four alot and they make it easier to buy what I need even when I didn't think I could, easy to use and the app stay up to date even if u make a payment they don't make you wait days to use they app again but within a couple hrs or right away even which is really nice
I've used four alot and they make it easier to buy what I need even when I didn't think I could, easy to use and the app stay up to date even if u make a payment they don't make you wait days to use they app again but within a couple hrs or right away even which is really nice
2026-07-24	Am*****	excellent app
excellent app
2026-07-24	Ja*****	this app is trash none of my purchases will go through and there is no way to talk to anyone to resolve issues.
this app is trash none of my purchases will go through and there is no way to talk to anyone to resolve issues.
2026-07-24	La*****	very reliable app when there is an emergency
very reliable app when there is an emergency
2026-07-24	Ch*****	so far so good 👍 it's literally so easy to use,in a few taps you are done. easy peasy
so far so good 👍 it's literally so easy to use,in a few taps you are done. easy peasy
2026-07-23	Ro*****	love spending limit
love spending limit
2026-07-22	Co*****	got to pay $13 a month to be able to use at the more popular places
got to pay $13 a month to be able to use at the more popular places
2026-07-22	Fa*****	I have had four for over 2 years. I'm experiencing issues. The chat box doesn't answer anything that you need answer You can't reach nobody It gave me a number I left a message to almost over 2 weeks ago still have no answer from no one to fix my account. My account needs to be reviewed over because I should not have a problem purchasing anything I don't know about. I'm not in the negatives. everything is caught up. I need to speak to an actual representative or something to help fix this issue.
I have had four for over 2 years. I'm experiencing issues. The chat box doesn't answer anything that you need answer You can't reach nobody It gave me a number I left a message to almost over 2 weeks ago still have no answer from no one to fix my account. My account needs to be reviewed over because I should not have a problem purchasing anything I don't know about. I'm not in the negatives. everything is caught up. I need to speak to an actual representative or something to help fix this issue.
2026-07-21	Je*****	hasnt worked in a long time. 5 star app when it was
hasnt worked in a long time. 5 star app when it was