Zip - Buy Now, Pay Later

4.8
52.9K reviews
1M+
Downloads
Content rating
Everyone
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About this app

Zip (previously Quadpay) gives savvy shoppers more freedom and flexibility to buy now, pay later where they want with the Zip app.

Split payments into 4 easy installments, pay over 6 weeks¹, and enjoy shopping at millions of online and in-stores.
If you’re a super deal finder, this is the smarter way to find great deals, shop now, pay later, and stretch your funds.

SPLIT ANY PURCHASE IN 4¹
Buy now, pay later: shop your favorite brands and pay with your linked account in 4 payments over 6 weeks¹. Get an instant decision³, with no long application forms or hassle.

USE ZIP WHERE YOU WANT², ONLINE OR IN-STORE
Install our app and use Zip (previously Quadpay) pretty much anywhere² you to shop now and pay later — whether online or in-store. To make payments seamless, add Zip to your Apple Wallet or Google Pay for easy access, with amazing shopping at millions of stores².

THE SMART ALTERNATIVE TO CREDIT CARD INTEREST
Our buy now, pay later platform helps you pay for your shopping in 4 payments¹ and is a smart alternative to credit card interest. When you use Zip (previously Quadpay), there is no impact on your credit score — ever. We’ll let you know when installments are due, so you’re on top of your split payments & purchases.

If you’re a great deal finder, you’ll love Zip, which allows you to shop now, pay later in 4 payments¹. Zip is a great alternative to credit so that you can get the things you need and easily split payments.

HOW DO I USE ZIP?
Install the app and link your payment card to start shopping in millions of online and in-store retailers.
Check out our deal finder, browse our directory of merchants, or make purchases directly with the Zip (previously Quadpay) app at places that accept Visa².

Enter the amount you’d like to spend (including any taxes or shipping costs!). Your purchase will be split into 4 payments over 6 weeks¹, taking the worry and hassle out of shopping by allowing you to shop now, pay later. Easily track your spending, view transaction history, and manage split payments in the app.
Update or change your account details, including payment method, at any time.
Get answers to frequently asked questions and contact our support team directly from the app.

CONNECT WITH US

For daily style tips, lifestyle hacks, and up-and-coming brands you’ll love, follow us on Instagram.

https://www.instagram.com/quadpay/

¹For a $200 purchase, you'd make four $51 payments every two weeks starting today for a 34.7% annual percentage rate and a total of payments of $204. A $4 installment fee is charged at commencement - you pay $1.00 of this fee as a prepaid finance charge when you make your initial payment today. The remaining $3.00 is included in your future payments. A minimum purchase of $35 is required. Estimation of installment payment and annual percentage rate excludes potential tax and shipping costs. Zip Pay Anywhere financing through Zip issued by WebBank, and subject to credit approval.

²Zip can only be used for US purchases. Certain merchant, product, goods, and service restrictions apply.

³eligibility criteria apply
Updated on
Mar 7, 2024

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
This app may share these data types with third parties
Location
This app may collect these data types
Personal info, Financial info and 4 others
Data is encrypted in transit
You can request that data be deleted

Ratings and reviews

4.8
51.6K reviews
Nfs021
March 23, 2024
It's good for the most part. But two things I don't like. 1) New card number with every purchase. Yes I get why, but it comes off as very sketchy when you place several orders from the same place over a period of time. 2) The auto-fill personal info feature for my shipping address. It'll sometimes cause websites to freeze up or be really slow. And sometimes I won't be able to complete a purchase because of it, and have to start all over again. Can be really annoying at times.
32 people found this review helpful
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Zip, Co.
March 23, 2024
We apologize for any inconvenience our app may have caused you. We would like to assist you in resolving your issue as soon as possible. Kindly reach out to us at us-appreviews@care.zip.co, and a member of our team will promptly follow up with you.
Kimberly Kelley
March 13, 2024
March 13th 2024... It's still a constant problem to get this app to just open and allow me to log in. While I like the convenience of paying in split payments, I've never had such a frustrating time trying to just get into my account. Something has got to give. I cannot seem to get it to load anymore. Uninstalled etc without success. But it sure works behind the scenes just fine for my payments to process. If anyone can help fix the issue so I can actually get into the app, that would be great
81 people found this review helpful
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Zip, Co.
January 19, 2024
Thank you for your review, Kimberly. Please reach out to us with the details of your concern at us-appreviews@care.zip.co so that we can investigate. We look forward to resolving this.
Becky
March 16, 2024
love this overall concept but I *highly* prefer the Sezzle App because 1. they don't make you create a whole new card number every time you make a purchase (most annoying Zip feature - I understand it's for "security" but it is such a a hassle!!! if it was that effective banks would make you log into an app and do this song and dance to make online purchases with a debit card. but it's NOT that effective, so they don't... and neither should you.) and 2. a much higher starting credit limit.
63 people found this review helpful
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Zip, Co.
March 16, 2024
Thanks for your review, Becky. Zip determines your spending power based on your repayment behavior and payment history.With each Zip purchase request, we evaluate your qualifications to determine your maximum spending power.If you have any questions about how this process works, please don't hesitate to reach out to us at us-appreviews@care.zip.co.

What's new

Bug fixes