Zip - Buy Now, Pay Later

54.2K 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
Apr 2, 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
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

52.8K reviews
April 17, 2024
The perfect way to shop for what you want or need, without having to come up with the lump sum amount upfront! Zip allows you to break your balance into four equal installments, paid biweekly. Zip can be used virtually anywhere, as you can shop directly in the app, or use a virtual Visa card that can be used anywhere Visa's accepted. The interest rates are fair, and it allows you to save money now, and pay over time! Easy approval also!
2 people found this review helpful
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Zip, Co.
April 17, 2024
Thank you for choosing Zip as your preferred payment option, Kevin! Your support means a lot to us. If you ever have any questions or concerns about your account, please don't hesitate to contact us at Our team is always here to help!
Craig Burkhart
April 14, 2024
There is nothing but good things to say about ZIP! It's as reliable and predictable as it can get. As long as you keep what you owe in line, it's always there when you need it. It works online everywhere I've tried, in the U.S.A., and it continuously gives me credit increases based on bill payment. It is an amazing app for shopping needs.
32 people found this review helpful
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Zip, Co.
April 14, 2024
Thank you for sharing your positive experience with Zip, Craig! We always strive to take care of our customers and make their purchases as smooth and stress-free as possible. If you ever have questions for us, please don't hesitate to reach out to our team at We are always here to help! 💜
Alex Butler
April 9, 2024
It works as advertised, is not a scam, etc. But I have moved on from this service. They give you only $200 limit to start and tell you that you can "earn" higher limit by paying off orders on time. I always paid not only on time, but early and it will randomly not count sometimes. Finally hit my 5 I needed after what was more like 7 different orders and the increase was so negligible! Moved to a better service and got $600 to start....
36 people found this review helpful
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Zip, Co.
April 9, 2024
Thanks for your review, Alex! 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 reach out to us at

What's new

Bug fixes