Four is a financial application offering the 'Buy Now, Pay Later' service, enabling users to purchase items immediately and pay over time in installments. Users can download the app, shop at participating retailers, and select Four as their payment method at checkout. The app divides the total purchase amount into four equal payments, with the first due at purchase and the remaining three scheduled bi-weekly.

Yes, Four is designed with security features such as encryption and secure payment gateways to safeguard users' financial information. It’s important that users keep their devices secure and shop only with trusted retailers. Additionally, Four provides customer support for resolving any issues, adding an extra layer of reassurance.

Four does not charge interest on installment payments, making it an economical choice compared to credit cards. However, missing a scheduled payment may result in late fees. Users should review terms and conditions regarding fees and ensure funds are available to avoid extra charges.

In case of missed payments, Four usually applies a late fee and may attempt to collect payment again. Persistent missed payments can lead to additional fees and may restrict future access to the service. It’s advisable to contact customer support if facing payment difficulties to discuss solutions.

To use Four, users must meet eligibility criteria such as being at least 18 years old and possessing a valid payment method. The app may perform a soft credit check to evaluate the user's ability to manage payments, which does not impact their credit score. Availability of the service depends on regional access, and users should ensure they meet all requirements before proceeding.