Zip - Buy Now, Pay Later

41.9K 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
Sep 7, 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

Ratings and reviews

40.9K reviews
Ashley Davidson76
September 23, 2023
Very Helpful, first got Zip figure it would be a good way to split some non-essential purchases up. I found out it was for way better than that. When I had a bill due but didn't have all the funds to pay it. Just so happens the company I needed to was listed in Zip's catalog of places you could use their services at. And then I got the card that allowed me to use it in stores that didn't have a scan feature and unlock alot more options. Long story short download it you won't be sorry.
9 people found this review helpful
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Zip, Co.
September 26, 2023
Delighted to hear your positive Zip experience, Ashley! It's versatile, covering both non-essential buys and unexpected bills, with the added bonus of an in-store card. Your story and recommendation are greatly appreciated. If you have further feedback or questions, feel free to reach out at Happy shopping with Zip! 💜
T Dillon
September 6, 2023
Quadpay (Zip) was the first pay over time platform I used. When they came out, they were great. Now that I've been using every platform for several years, I can say that Zip has lost the most of my business. They continue to go downhill and provide more reasons to move on seemingly every few months. Zip has lowered my limit to lower than any other platform, they have the highest pay in 4 fees, and the most issues. That said, you can use it anywhere, so I still use it when it makes sense.
51 people found this review helpful
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Zip, Co.
June 21, 2022
We sincerely apologize for the troubles you've had within our app. When you have a moment, please update the app to the most recent version. If you continue to experience troubles, please let us know at and someone from our team will follow up ASAP.
Daniel Scalf
August 31, 2023
Nice program to use in a pinch. If you've fallen into tight spot, this lets you split it up a purchase into 4 payments with the first payment being the down payment basically. Lately, the app itself has had a hard time loading so I haven't been able to use it. Somebody needs to get on this and fix it. Out of 18 apps on my phone, this is the only one that gives me a problem.
45 people found this review helpful
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Zip, Co.
August 31, 2023
Thank you for your review, Daniel. Please reach out to us with the details of your concern at so that we can investigate. We look forward to resolving this.

What's new

Bug fixes