pay later at
Pay for your next purchase at JoAnn in 4 installments over 6 weeks when you check out with Zip, previously Quadpay.
Enjoy your purchase now with only 25% of the cost due upfront, and the rest over 6 weeks.
Pay later at any store
Whether online or in-store, via our retail partners or app, pay for your purchases anywhere Visa is accepted.
Loved by 12 million customers globally
You're in good hands. Get approved in seconds with zero impact on your credit score.
Quick and simple, easy to use, and very handy when you need a little extra help.ShannonVerified
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 ZIPMollyVerified
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 itCheryl 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 budgetBrigid HeronVerified
Love Zip!! So convenient and easy to use. Also helpful for family on a budgetAshleigh 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.RakellaVerified
Fast & Easy
I found the store I wanted to purchase from, made my order, pushed “pay w/zip”….BAM done😊. Thank you zipLucinda PhillipsVerified
As seen in
Shop how you love to shop
Get the Zip app today!
For fresh deals, new drops, and hand-picked product recs on the daily.
Shop with the Chrome Extension
Add products to your cart, then use the extension to pay over time. Available pretty much everywhere1 you shop online.
Frequently Asked Questions
Yes! Zip, previously Quadpay, allows you to shop your favorite brands now and pay later. Shop anywhere and split your purchase in 4 installments over 6 weeks with the Zip app.
- 1 Zip can only be used for US purchases. Certain merchant, product, goods, and service restrictions apply. For a $200 purchase, you'd make four $51.50 payments every two weeks starting today for a 52.18% annual percentage rate and a total of payments of $206. 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. Minimum purchase of $35 required. Estimation of installment payment and annual percentage rate excludes potential tax and shipping costs. Installment fees are $4 for purchases from $35 to $99.99, $5 for purchases from $100 to $199.99, and $6 for purchases $200 and above. Zip Pay Anywhere financing through Zip issued by WebBank, except for Zip originated loans in CO, NV, MA, and MD. All loans subject to credit approval.
- Testimonials reflect the individual's opinion and may not be Illustrative of all individual experiences with Zip.