Zip previously Quadpay

33.5K reviews
Content rating
Screenshot image
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
Sep 26, 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
33.5K reviews
Brandy Hood
September 27, 2022
I love Zip(formerly known as quad pay), for the most part it's great, it's super easy to use, nice option to have to be able to pay in 4 payments. My only complaint is that I used it many times and always paid and took a short break from using it and now my amount available to spend has decreased quite a bit from where I started out at . I think that is backwards in my opinion. Should be more instead of less but that is my only gripe.
2 people found this review helpful
Did you find this helpful?
Sam Lasater
September 1, 2022
This works as expected. You can break up the cost of a large purchase into 4 payments with only $1 interest if you aren't late. The low review is due to the algorithm the app uses to determine amounts loans. Over 2 years I've used the app and always paid on time or early. Yet every time I pay off my balance the amount I'm allowed to borrow gets smaller. I've been a fantastic borrower and now I can get a max of $100 when it had been $400.
93 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.
60 people found this review helpful
Did you find this helpful?

What's new

Bug fixes