Zip previously Quadpay. Buy now, pay later in four

32.3K reviews
Content rating
Screenshot image
Screenshot image
Screenshot image
Screenshot image
Screenshot image

About this app

Zip (previously Quadpay) gives savvy shoppers more freedom and flexibility to buy now, pay later anywhere with the app. There's no hard credit check, zero interest, and no impact on your credit score. Split your purchase into 4 easy installments and pay over 6 weeks. It’s a smarter way to shop and stretch your funds.

Buy now, pay later: shop your favorite brands and pay with your linked account in 4 installments over 6 weeks. Get an instant decision*, with no application forms or hassle.

Install our app and use Zip (previously Quadpay) anywhere you shop — whether online or in-store. To make payment seamless, add Zip to your Apple Wallet or Google Pay for easy access.

Our buy now, pay later platform helps you shop smartly. There's no hard credit check when you use Zip (previously Quadpay). Which means no impact on your credit score — ever. We’ll let you know when installments are due so you’re on top of every payment & purchase.


Install the app and link your payment card to start shopping.
Browse our directory of merchants, or make purchases directly with the Zip (previously Quadpay) app anywhere that accepts Visa.
Enter the amount you’d like to spend (including any taxes or shipping costs!).
Your purchase will be split into 4 easy installments over 6 weeks. Easily track your spending, view transaction history, and manage open payments in the app.
Update or change your account details, including payment method, any time.
Get answers to frequently asked questions and contact our support team directly from the app.


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

*eligibility criteria apply
Updated on
Aug 1, 2022

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.
No data shared with third parties
Learn more about how developers declare sharing
This app may collect these data types
Personal info, Financial info and 3 others
Data is encrypted in transit
You can request that data be deleted
32.3K reviews
August 3, 2022
When you don't want a credit card or don't get approved, this app makes it easy to make payments on a purchase. You can search for any store to shop at including Amazon and make 4 payments over 6 weeks to buy your stuff making purchases easier and more affordable. Zip pays the client up front so the item ships right away then you pay zip in 4 installments. I've used it to buy a phone, a wifi adapter and more purchases to come. It works with any online shopping store.
12 people found this review helpful
Did you find this helpful?
August 7, 2022
First time customer and first time using the app. The entire process went relatively well. Holding back one star until the entire four payment process completes error free. Not deal breakers for me, but a couple of cons. First being the app runs a bit laggy. Second being my spending power went down after a few payments. I would think at the very least, it would stay the same or increase because of my reliable payments. But I know they have an algorithm.
5 people found this review helpful
Did you find this helpful?
Kendall Gibson
May 18, 2022
Being able to pay in small payments is nice. But I have a feeling it was better when it was Quadpay. My spending limit has not increased even a dollar, and the more I look into things, many people are having similar issues. I was trying to build spending power, because I need a new computer, but this is a waste of my time. $50 spending power is useless.
96 people found this review helpful
Did you find this helpful?
Quadpay, Inc.
May 19, 2022
Changes in spending power are determined by our algorithm which is always evolving. At this time, we can’t override this process. We hear your feedback and will be sure to pass this along to the team. We are always working to improve the Zip experience. For more info on this, please reach out to

What's new

Bug fixes