Zip - Buy Now, Pay Later

• Free

Last verified 30 Aug 2026

4.9 857573 ratings · App Store

1. 5/5Enjoy

   I decided to try ZIP. I always pay for everything with cash and have never had even one credit card and I’m 67 years old. I have always believed if I don’t have enough money to pay for what I want then I don’t need it. I believe one major problem that has caused massive widespread depression and even suicide is people living outside there means. Some that make an income that puts them in the upper class living have so much debt that like lower class Americans are just one paycheck away from being homeless. I’ve never had any debt but my daughter sent me an invitation to become a ZIP member and after read then thinking about it I decided to make a purchase through ZIP knowing that I would only make a small purchase. It was an extremely easy process and I was surprised weeks later to receive a notification that my purchase was paid in full. Today I’m ready to make a second purchase. I’ll have to admit that I love this ZIP credit line. I never noticed when a payment was taken out of my personal bank account. I have invited my family and friends to join me in ZIP. I don’t think anyone could go wrong with ZIP. I’m impressed because even low income shoppers can benefit from this system that monitors purchases and payments and I’m not positive but I’m thinking that it’s not possible to get yourself in debt. If your thinking of getting a credit card or would like to make a purchase now because the sale ends soon yet you don’t have enough money at the moment go with ZIP. I don’t think you will ever be sorry you did.

   BoniPar · 30 Aug 2026

2. 5/5ZIP has saved me more than any other

   I’ve been w/ZIP for years! This is the #1 app!! I have referred ZIP to Friends/Family more than Any app out there. One friend didn’t believe me thinking it was all too Good to be true. She had said “I cant get anything! I don’t have bad credit.. I just don't have Any credit” I told her Credit has nothing to do w/ ZIP app, long as you have a reoccurring deposit to pay back. I was so confident I told her “IF ZIP won’t pay then ‘I’ will pay for your order” {yea then I 😬 🙏 awaiting for ZIP reply} Thank God once again ZIP did Not let me down! My friend was approved😃 There’s one thing to be careful of IF you’re paid Monthly vs. Bi-Weekly~ ZIP automatically Withdrawals their payments every 2weeks {ZIP gives a Schedule w/ the dates of payments for your Agreement} In my case~ on payday I make (2) payments or I pay all Installments in FULL. This actually helps my Credit. After you pay back 4 or 5 purchases on time~ZIP increases your loan! This is a Great feature I dont think any other app {sezzle, afterpay etc} has w/incentives like this.. Don’t forget to Download your ZIP card to Apple Pay! I was hours away from home & realized my Grand daughter obviously played/hid my Debit cards because not 1 was in my Wallet😳😓 I had to use my ZIP card in my Apple Wallet to buy Gas to get us home🙏 Another time I used my ZIP to pay for a Prescription that was way too expensive. Thank You ZIP for saving my 🍑 more than I can count!!

   Jodibone · 30 Aug 2026

3. 5/5See for yourself

   QuadPay...genius. Name speaks for itself, four payment installments. I stumbled across QuadPay on google and it couldn’t of been anymore on time than it was. I’ve used afterpay, which is similar in the sense that it breaks down your total purchase into four payments as well. However, I’ve never heard of half the stores on Afterpay. I love the broad selection of retailers with QuadPay. Every place that human beings shops is offered on QuadPay, unlike Afterpay. Not swaying shade with the contrast and comparisons. It’s just that I am really impressed with QuadPay. I shopped for my daughters birthday party decorations and gifts on amazon(because I trust and love their delivery service!) it was so easy to complete my purchase and I was honestly surprised when the transaction went through. You know how they say, “if it seems to good to be true, then it usually is”. Well not when it comes to QuadPay....shop where you want...let QuadPay know how much you’re spending(within the amount you’re approved for) don’t even worry about being exact, because if you fall a little short of tax calculation or shipping...QuadPay will adjust the difference for you. I’m just hoping that after completing my installments I can build my way towards a higher amount. My payday didn’t land until the day after my daughters birthdays. So I’m super thankful for QuadPay and everyone that made QuadPay happen. Just use responsibly so that we can continue to have this great service. Highly recommend!

   UniversalQ17 · 30 Aug 2026

4. 5/5Amazing!!

   When I first saw this app (opportunity) I was just ‘window shopping’ online at Famous Footwear. Was thinking I really can’t afford to buy new shoes, but OMG these are so cute lol… anyway I seen the quad pay option thought at first it was a scam or a hoax something like that. when I went to check out I crossed my fingers and prayed to god that I was not getting ready to lose every penny in my account?.!? When it went through just fine took off my card exactly what it said it would and everything since the night I discovered this app has been just fine no surprise withdrawals on my account I was like thank you Jesus!!! and I have shopped again at Wal-Mart online. I feel this app is amazing and with everything that has went on the past 2 years it can really help a lot of people out there that may be having financial problems right now. I am embarrassed to have to say this but I actually had to use it to get some groceries through Wal-Mart online. But if it wasn’t for finding this app and being able to do that last week i may not have ate for a few days… So bless you whoever created this app you have no idea how much you are probably helping a lot of people feed their families. As well as I’m sure this app will make it possible for them to have wonderful holidays this year as well!!! Happy Holidays to you and yours!! Sincerely, Krista

   krj1083 · 30 Aug 2026

5. 4/5It’s okay...

   I love being able to have the ability to purchase online things in payments without it going against your credit. However, I do not like the refund process and I think it should be revised. I purchased an order through a website & used Quadpay. The package said it was delivered but was never delivered (at least not to me). I filed a dispute for merchandise never received with the merchant, carrier, & my bank. I tried to with Quadpay but they told me they can’t stop the payments because they have to wait on the merchant to advise them to process a refund. However, I knew the merchant wasn’t going to do that because it shows as delivered in their system & the carriers. The merchant eventually came back to me and said they are closing my claim because it shows as delivered and quadpay will not process my refund. So I am just going to have to go through my bank. I feel like me going through my bank could have all been avoided if quadpay had additional refund options for those who do not receive their merchandise. I understand it’s a safety precaution for those people who do scam but for us people who are truly innocent and did not receive our merchandise, it is a bummer. I have to jump through hoops to get my money returned. I dont feel I should pay for products never received. Packages are mis-delivered and/or stolen unfortunately...overall good app & love the simplicity. Just wish there were additional refund options & not just up to the merchant....

   A1TSD · 30 Aug 2026

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