Zip previously Quadpay

37.2K reviews
Content rating
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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.

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.

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.

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.

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.


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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
Jan 30, 2023

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
37.2K reviews
December 10, 2022
I started using this app a long time ago and was granted a $200 spending limit. At first I wasnt always making my payments on time so they lowered my spending limit to $100 (which is understandable!!) Ive been making on time payments as well as paying off the total early (at the apps request....stating that my spending limit would go up!) Of course I quickly paid it off early multiple times!!! I'm still stuck at $100 and I don't know why. I could really really use an increase please!!!!
17 people found this review helpful
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Quadpay, Inc.
December 12, 2022
Thank you for the review. Zip’s spending power is determined by underwriting models that review your Zip repayment behavior and payment history outside of Zip. With each Zip purchase request, your qualifications are evaluated to determine your maximum spending power. If you have any questions, let us know at
Alex Kephart
January 28, 2023
This is very helpful app! No nonsense, no b.s., just approved me for a specific amount to begin with and boom. Splits larger purchases up into 4 payments and tacks on a small fee for the privilege. It has helped me alot when financed are tight yet you need to make a larger purchase. Once you pay back your 4 payments it gives your spending power back and even evaluates you for higher spending if you made your payments on time in full. I highly recommend this app to anyone!
2 people found this review helpful
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Gabriel Cuffel
January 14, 2023
Intuitive interface, easy to see what payments are in process & when charges will hit your card, simple to pay early if desired. Smooth, easy, simply a WONDERFUL app for this type of service! Buy now, pay four easy payments for a $4-$6 fee. Great for those items when in-between paychecks and need something important for health, strength training, or Xeroshoe supersales! I make sure to use the app for things I really seriously need & it makes it possible to make it happen when the time is ripe
15 people found this review helpful
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What's new

Bug fixes