Zip - Buy Now, Pay Later

Editor's Review

Are you a savvy shopper looking for more flexibility? Meet Zip (previously Quadpay)! 🎉 This app empowers you to buy now and pay later at millions of online and in-store retailers. Split your payments into 4 easy installments over 6 weeks and enjoy a smarter way to shop. 🛍️

With Zip, you can shop your favorite brands and pay with your linked account in 4 payments. Get an instant decision without the hassle of long application forms. Plus, Zip can be used pretty much anywhere Visa is accepted, both online and in-store. Add Zip to your Apple Wallet or Google Pay for seamless payments. 📱

Worried about your credit score? Don't be! Using Zip has no impact on your credit score. You'll receive timely notifications for upcoming installments, helping you stay on top of your split payments. 🔔

Getting started is easy! Simply install the app, link your payment card, and start exploring millions of retailers. Check out the deal finder, browse the merchant directory, or make purchases directly within the app. Manage your account details, track your spending, and get support whenever you need it. 💡

Stay connected with Zip for daily style tips, lifestyle hacks, and the latest brands you'll love. Follow them on Instagram to stay in the loop! 🔗

For example, for a $335 purchase, you’d make four $85.25 payments every two weeks starting today for a 31.11% annual percentage rate and a total of payments of $341. A $6 installment fee is charged at commencement - you pay $1.50 of this fee as a prepaid finance charge when you make your initial payment today. The remaining $4.50 is included in your future payments. Actual installment fees vary and can range from $0 to $7.50 depending on the purchase price and Zip product used. Actual amount of fee for your purchase will be reflected in checkout. Estimation of installment payment and annual percentage rate excludes potential tax and shipping costs. Zip Pay Anywhere and Zip Checkout financing through Zip issued by WebBank. All loans are subject to credit approval.

Features

• Split purchases into 4 easy installments

• Pay over 6 weeks

• Shop at millions of retailers

• Instant decision with no long forms

• Use Zip online or in-store

• Add Zip to Apple Wallet or Google Pay

• Track spending and manage payments

• Update account details easily

Pros

• Shop at millions of stores online/in-store

• No impact on your credit score

• Easy tracking of spending and transaction history

Cons

• Available for US purchases only

• Installment fees apply to each purchase