“finally used four months now and got 200 spending limit, but when I went to use it for something 172 it got denied. so feels like using four for months now feels like a waste and false advertisement. Update: Contact their support with no…”
Independent automated assessment · 3 signal sources · 1,009 reviews scanned · analyzed 2026-10-05.
4.7 ★133,975 ratings
1M+Downloads
4+Age rating
69 MBApp size
FreeIn-app purchases
About this app
FOUR MAKES ONLINE SHOPPING SIMPLE, FLEXIBLE, AND REWARDING. Buy now, pay later at hundreds of online retailers. Split your purchase into 4 easy payments—paid every two weeks—so you can shop what you love while staying on budget. Manage every order in one shopping app and enjoy a faster, smoother checkout experience. Upgrade to Four+ for access to exclusive stores, special offers, and more ways to shop online.
WHY SHOP WITH FOUR? • PAY IN 4 INSTALLMENTS Split payments over time with clear schedules so you know exactly what’s due and when. • FLEXIBLE PAYMENT PLANS Stay on budget with predictable due dates and helpful payment reminders. • ONE SHOPPING APP FOR EVERYTHING Browse partner stores, track orders, and manage your payment methods in one place.
HOW FOUR WORKS 1. DOWNLOAD the Four shopping app and sign up in minutes. 2. SHOP ONLINE at your favorite Four partner retailers. 3.…
Preview
Real screenshots from the store listing.
Independent evidence report
Evidence and review signals
This is where the page changes from an app-store listing into an evidence report: findings, important reviews, pricing and a dated history.
Which version this describes
When we ran this analysis, and what the store lists now.
App Store
This analysis describes version 1.17.87 of the app, analyzed 2026-10-05 . The app may have changed since.
The store currently lists version 1.17.87, updated 2026-09-25.
Google Play
This analysis describes version 1.17.88 of the app, analyzed 2026-10-04 . The app may have changed since.
The store currently lists version 1.17.88, updated 2026-09-29.
What we measured
Each line is a measurement published as a measurement, never a verdict.
Each line is a measurement, published as a measurement. Where we have not looked, the line says so rather than reading as a zero.
Developer replies to reviews
Replies to at least 1 review in 20
Price in the store description
States no price and billing period
Cancelling, in the store description
Does not say how to cancel
Themes reported by reviewers
1 theme reported
Counted from the reviews we have read for this app. "No theme reported" means no theme reached our reporting threshold — it is not a finding that nothing is wrong with this app, and we do not say it is.
Five-star share of ratings
90% or more five-star
Arithmetic on the stores' own published rating counts. It says nothing about why the ratings fall where they do.
In the package we scanned
No package has been scanned for this app, so nothing is published about what it ships. That is an absence of evidence about the app, not a finding about it.
Graded bands · predicate set 1.4 · how these are measured
What the analysis found
App-specific findings, grouped by what each one rests on. How they are graded lives on its own page.
Positive evidence 1
Things this app does right, published at the same strengths as the catch list.
Developer says data deletion can be requested
The developer's data-safety disclosure on the store states that users can request deletion of their data, or the app's own text offers a way to delete the account. This restates what the developer declares; it is not a test of whether deletion works. Apple publishes no equivalent disclosure, so on an Apple-only listing only the app's own text can support it.
What we saw: The developer's store data-safety disclosure states that data deletion can be requested; we have not seen a deletion control in the app's own text
One source only — shown, not confirmed 1
A single kind of evidence. We publish these because withholding them would be the bigger distortion, and we do not treat any of them as a finding we stand behind.
Reported by users: Reports that the ads misrepresent the app
Reviewers repeatedly report that the app is not what its advertising showed. We never see the ad creative itself, so nothing we collect can corroborate or refute this — it is published as an attributed user report: what reviewers say, and how many of them said it.
What we saw: Misleading advertising: raised by 5 distinct reviewers (1.1% of 454 reviews scanned)
Highlighted reviews
Representative public review excerpts shown as user reports, not Appworthy audit evidence.
“WARNING THIS ISNT A BUY NOW PAY LATER APP LIKE THEY FALSELY CLAIMED ON TOP OF THAT THEY CHARGED ME FOR A SUBSCRIPTION THAT I was scammed into getting because it states that the first payment wasnt due until next month and that there was a…”
“screw this app. you are shown an amount as your limit, you go and get the subscription to have access to a better store, place an order and you'll get a pop up that says it denied. this is a bait and switch and an attorney is going to…”
Assessment & version history
App changes and Appworthy events in one timeline.
Store listing updated to version 1.17.87.
What this app sells
Useful store-disclosed pricing, kept below the app listing.
Business modelFree
Prices and terms as disclosed by the store listing.