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Buy Now, Pay Later by Zip

Buy now,
pay later.

Split any purchase into
4 installments over 6 weeks with Zip.

Download the app today
4.9361K+ ratings

Zip anywhere for everyone

Use Zip anywhere

Literally anywhere. Book a trip, order groceries, pay your bills, shop online or instore. Use Zip anywhere Visa is accepted.


Shop smarter with Zip, previously Quadpay. No impact on your credit score. Just 4 installments over 6 weeks.

How it works

Zip for merchants

We work with thousands of retail partners to deliver a better way for customers to pay. Integrate our “pay later” platform in 10 minutes, no APIs required.

Share Zip and earn $$$

Invite a friend, and you each get $10 once they make a purchase in the app! Terms apply.*

Pay later in a physical store

Use Zip in store with a digital card, anytime, wherever major credit cards are accepted.**


  • Best BuyBest Buy
  • MercariMercari
  • NeweggNewegg
  • FanaticsFanatics

Loved by over 12 million shoppers globally and counting

4.9 App Store361K+ ratings
Reviews from trustpilot

Love it

Quick and simple, easy to use, and very handy when you need a little extra help.


Zip was so easy to use no hassles about…

Zip was so easy to use no hassles about what store you can make purchases at, no hidden fees, easy to sign up, I will definitely continue to use ZIP


Very easy to use small payments great…

Very easy to use small payments great when you see something and don’t have total amount at the time just zip that’s it

Cheryl MillerVerified


I was able to purchase the tennis shoe that I wanted with Zip right away. Using Zip made it easier for me financially seeing as how I am on a tight budget

Brigid HeronVerified

Love Zip!!

Love Zip!! So convenient and easy to use. Also helpful for family on a budget

Ashleigh WVerified

I absolutely love zip

I absolutely love zip! They help me keep up with the latest trends by allowing me to payments. I’m so grateful to have them and now my mother and husband love them too.

Ashley BrazzellVerified

I used Zip on Fashion Nova and Amazon

I used Zip on Fashion Nova and Amazon, it’s really nice to be able to shop Zip.


Fast & Easy

I found the store I wanted to purchase from, made my order, pushed “pay w/zip”….BAM done😊. Thank you zip

Lucinda PhillipsVerified

Download the app
to get started

Get instant access to shop now, pay later at thousands of brands—online or in-store.


  • * For full details, visit https://zip.co/us/refer-a-friend.
  • ** Zip can only be used for US purchases. Certain merchant, product, goods, and service restrictions apply. Loans through the Zip app are originated by WebBank, except for Zip originated loans in CO, NV and MA.