Zip - Buy Now, Pay Later

Zip, Co.

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-store retailers2.
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 WANT, ONLINE OR IN-STORE²
Install our app and use Zip (previously Quadpay) pretty much anywhere to shop now and pay later — whether online or in-store². To make payments seamless, add Zip to your Apple Wallet or Google Pay for easy access, with amazing shopping at millions of stores².

Our buy now, pay later platform helps you pay for your shopping in 4 payments¹. When you use Zip (previously Quadpay), there is no impact on your credit score. 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 and pay later in 4 payments¹.

HOW DO I USE ZIP?
Install the app and link your payment card to start shopping in millions of online and in-store retailers2.
Check out our deal finder, browse our directory of merchants, or make purchases directly with the Zip (previously Quadpay) app at places that accept Visa4.

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

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¹For example, for a $335 purchase, you’d make four $85.25 payments every two weeks starting today for a 31.11% annual percentage rate and a total of payments of $341. A $6 installment fee is charged at commencement - you pay $1.50 of this fee as a prepaid finance charge when you make your initial payment today. The remaining $4.50 is included in your future payments. Actual installment fees vary and can range from $0 to $7.50 depending on the purchase price and Zip product used. Actual amount of fee for your purchase will be reflected in checkout. Estimation of installment payment and annual percentage rate excludes potential tax and shipping costs. Zip Pay Anywhere and Zip Checkout financing through Zip issued by WebBank. All loans are subject to credit approval.

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

³Eligibility criteria apply. See payment terms: https://zip.co/us/quadpay-terms-of-service. Loans to California residents, other than loans through the Zip App and Zip Card, are made or arranged pursuant to California Lenders Law license.

⁴VISA is a trademark owned by Visa International Service Association and used under license

Ratings and reviews

I love using zip. I have had issues with finances In the past and they have given me the luxury of being able to use a "credit card" option when I'm short or need to make a bigger purchase. Rescheduling your payment dates is so easy too. So you can always make sure you're on time with your payments. Their customer service line is also incredible! 10/10 recommend

I cannot begin to describe just how helpful this app is. Absolutely love it! This app has helped me maintain being afloat for over a year now! I find myself using this app to pay for my phone bill, car insurance and my storage unit. Absolutely fantastic. If you are currently in a deficiency of cash, this app can help you get a leg up by splitting your bills into 4. I can't stress enough just how much it's helped me out

I've used many apps that break down your payments into 4 payments just to help me get by, ZIP is by far my favorite! I just wish they'd increase the buying power like before. I've been stuck at $150 for over a year now, and I've been using this app at least QUARTERLY for years! Other than the low buying power, this is still my favorite. I've deleted all of the others!!

What's new

Bug fixes, performance improvements, and new features