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How Buy Now Pay Later No Credit Check Works

Split your next purchase in 4, anywhere you shop

Zip, previously Quadpay, gives you the freedom and flexibility to get what you want now, and pay later.


Buy it today, pay for it in 4 installments.

Shop anywhere and choose Zip at checkout to pay later.
You’ll pay the first installment upfront, and the rest over 6 weeks.

Learn more

Shop anywhere with the Zip app

Get our app to use Zip anywhere you shop—whether online or in-store.

4.9 App Store rating260K+ reviews

How to shop online with the app

  • Find a retailer

    Search for your favorite stores in the app.

    Find a retailer
  • Browse your favorites

    Add products to your cart, then tap "Pay with Zip."

    Browse your favorites
  • Confirm purchase amount

    Ensure your cart amount matches the payment request.

    Confirm purchase amount
  • Complete payment

    We’ll autofill your payment info—check out in seconds.

    Complete payment

How to shop in-store with the app

  • Select the In-Store tab

    Enter your total purchase amount.

    Select the In-Store tab
  • Review your payment plan

    Confirm your amount and payment method to generate your virtual card.

    Review your payment plan
  • Add to your wallet

    Keep Zip in your Apple Wallet or Google Pay for easy access.

    Add to your wallet
  • Tap to pay!

    Pay with your wallet to complete your purchase.

    Tap to pay!

Shopping with Zip at checkout

Look for the Zip logo online when checking out at your favorite online retailers.

  • Fanatics
  • Fashion Nova
  • Violet Grey
  • Newegg
  • Jenni Kayne
  • Allen Edmonds
  • Tick Pick
  • Game stop
  • Famous footwear

Our Features

  • Safer than credit

    Don’t pay more to pay later. We charge a $1 convenience fee per installment. That’s it!

  • Instant approval

    No hard credit checks, and no impact on your credit score—ever.

  • Simple & transparent

    No fine print, so you’ll always know what to expect.


Download the app
to get started

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