Zip - Buy Now, Pay Later

Name: Zip - Buy Now, Pay Later
Rating: 4.90948 (449114 reviews)

Shopping

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Zip - Buy Now, Pay Later

Shopping

4.9

449.1K ratings

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Zip Co US, Inc.

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User Reviews for Zip - Buy Now, Pay Later

1st Experience

Logged on to FashionNova to order my Fiancée a sexy red dress & sexy red lingerie for Valentine’s Day. Ready to check out, I noticed the QuadPay option of 4 breakdown payments and with a wedding in the near future, I’m trying to save/manage every penny! Not to mention the app was compatible with the SUPER50 promo(1/2 price sale) the website was offering. Half off + 4 payments + A card to add to my apple wallet = Highest Appreciation!!!On a technical critique, I noticed being redirected from the original website into the QuadPay app, the usage was very choppy/lagging, not sure if its bugs in the latest version or if internet traffic from the FashionNova sale was causing a delay. However the slow interaction made it extremely difficult and highly frustrating to complete the purchase, especially since I personally didn’t understand the check out process of selecting QuadPay as the pay process (this redirected me back to the checkout screen multiple times and caused “errors”) vs the actual solution of removing my own debit card info and replacing it with the new Visa card info which is given to the user in the app. Please consider making a smoother checkout transition for new comers. Overall, outstanding app & online store selections, looking forward to using the Apple Pay feature in physical stores. Job Well Done.

@steady_smilin, Feb 02, 2020

It’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, Nov 07, 2020

So far so good..

I’ve completed and paid off one purchase so far and transaction and payments went smoothly. I’ve recently used the app again for another purchase however I was being indecisive and was browsing the site and re-arranged 2 times before I finalized and completed the purchase. The 2 times I entered amount for purchase while debating went through and now my checking account has 3 separated pending transactions for payments. The first 2 that I was debating and the 3rd one I actually completed the purchase. The FAQs state the 2 will drop off however it makes me nervous and I’ll have to follow up to ensure they reverse. I think your account shouldn’t be charged the 1st payment until you actually finalize the purchase instead of when you enter the estimated amount of the purchase. Also, you are provided a set limit of funds available with no options to request an increase. I understand this isn’t a credit card but I feel like if you’ve completed payment of orders then you should have an option to request a small limit increase. Or perhaps it should automatically increase a little after every completed order payoff. Other then that it’s convenient and I appreciate being able to make purchases on payment without having my credit score impacted via credit card utilization percentages. I’ll revise my review if the pending charges aren’t reversed and dropped off.

Can't find an available one, Oct 12, 2020

Credit card killer!

I heard of Quad pay a little while back but I never used it because the stores I shop at weren’t apart of their affiliate program. I downloaded the app recently because it said shop at ANY store. Which is true. I purchased a $130 tool at a hardware store online and went and picked it up next morning after only paying first or 4 interest free payments!! I’m happy. Wife’s happy. Come to find out she’s not new to Quad pay. And this is how she buys her outfits online. The only problem so far is this, and it’s more of a problem for the developers to solve is that YOU HAVE TO HIT PURCHASE AT THE RIGHT DURING THE PURCHASE PROCESS IN THE SHOPPING CART! If you fail to do so quad pay will prematurely hold first payment funds and the RETAILER will try to process full purchase amount. It was kind of tricky because I wasn’t sure how it all worked. There’s no need to give your card number to retailer. Quad handles it. But you must hit pay at the right time. Good news is. The mistake was corrected quickly. The balanced held against my account was released almost immediately and I went back and tried my purchase again no problem. (Like is said this is more of a new user mistaken that could of been prevented by the developers.)

I'm rich B*tch!!, Oct 21, 2020

It’s so EZ...

When I saw the ads for this app honestly at first I was skeptical. Then when I was approved almost immediately for $200 limit just answering a handful of simple non invasive questions I was even more sketch. I needed a new PS4 controller and GameStop was an approved store. I was almost broke that week and thought I’d have to wait a whole couple weeks just to jump on the PS4. Well I got some trade ins together and landed in GameStop and the two employees were completely unaware of any program like QuadPay and made me feel really nervous that I was wasting my time. Finally after explaining what it was again they called another store to see what they said and they totally backed QuadPay and I up. Now neither myself nor the two seasonals had any experience with how it was gonna work or what to do. You just follow the instructions after they give you a total, get in your QuadPay app and select the store you are out and it will ask you to type in the total amount due. Seconds later it shows you yours amount due today then the other 3 installments. Never have I ever got to do the tap thing to pay using my phone but I did with this purchase and it absolutely worked like a dream. Great stuff, alright back to my gaming.

JRnWV, Nov 29, 2020

Amazing!!

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, Nov 20, 2021

Easy & effective payment method

I am a huge fan of all of these alternative method options (afterpay, sezzle & now quadpay) in today’s world, the primary consumer is burdened by overwhelming student loans and often times pays more towards that balance per month than they do for a mortgage or car payment, so it’s a relief to have options for large purchases. I like that quadpay has a vast variety of top retailers available to use their program with, but it does not come without a cost (hence the 4 stars) the only reason that QP didn’t get 5 stars is due to the $1 fee on each scheduled payment. Afterpay/sezzle does not do this, but they link directly to ones credit or debit card vs. quad pay which utilizes an interim unique credit card number specific to your account/transaction & QP has a lot more “mainstream” retailers than its competitors, so I can see how the $1 would be justified but it does seem a bit steep. I’d recommend trying to get the retailers to foot some of that $1/scheduled payment as they will almost certainly see some incremental sales volume, as a direct result of being listed on QPs site, especially as QP grows in popularity. Even $.50/scheduled payment seems much more reasonable. Just a thought!Either way- very efficient and effective, quick - easy to use and little information collected. Great job overall!

Lcalcrazee, Dec 02, 2019

Whoot whoot, I love it!!!!!

I am a new mom, and let me tell you babies require a lot. I have had to make quite a few adjustments. Much of the time it has been financially. I have had to decide against getting the necessities of life for ‘me’. I had wish lists and loaded shopping carts on various websites, “Window shopping”, and hoping. Remembering the words of Kevin Hart, “I would, but the way that my bank account is set up...” lol. Then when I desperately needed a pair of pants that fit after having the babies. I began checking online clearance. I was so discouraged, and about to skip the first family gathering with everyone in three years since my grandmother passed. She was the only one that could get us all to come together from across the nation. I was on the Fashion Nova site and was given QuadPay as an option of payment. I was instantly relieved. I began to see advertisements for other businesses. I felt totally liberated. A forth payment up front was a lot easier for me. The app and service is hassle free thank goodness. It notifies you of your next payment status and when your due. I have had four or so orders from two servicers. I plan to use a third/Apple in a couple weeks.It’s been awesome, worry free, and hassle free so far. Thank you so much!!!!!

mother2dragontwinz, Feb 10, 2020

App is so unreliable!

Most times I make a purchase with this app, I encounter a problem. The app says you can just report the return, but about half the time, I have to get in touch with customer service to get it processed. My last purchase through this app didn’t even break up the cost into payments - it just put the whole amount on my card. The order went through with the vendor… I just paid for all of it at once. I am still sending emails back and forth with customer service on that one because how do I do a partial return if the app says the purchase wasn’t completed. The purchase I made before that with Zip (Quadpay) somehow charged me for a cart that I had abandoned a few days before instead of what I had literally just purchased. It was bizarre - my bank account reflected the cost of the purchase from the abandoned cart while Zip (Quadpay) charged me for the purchase I actually made that day. The cost of the abandoned cart was more expensive than what I actually bought. Sound confusing? It is a time consuming experience trying to explain all of this over email to customer service… These things were all worked out through customer service, but it takes time and writing paragraphs and sending screenshots. I may keep this app because sometimes I just can’t make a purchase without splitting it up, and customer service will fix things, but it is truly a headache.

Rosty123456789, Sep 23, 2021

Quad Pay: get it now, pay it later

I was super hesitant to use QuadPay at first, because I’ve seen so many other apps like this one throw hidden fees at you that take more from you then what you pay for the items you want to buy. However I finally decided to try QuadPay out, and let me say I was not disappointed!!! I bought a GoPro hero 8 along with all the appliances that I would need to go with it. What’s beautiful about QuadPay is that you say how much you want to spend, then you pay the first payment on what you will spend all together. So say I spend 400 dollars, my first charge will be 100 dollars, and I get to go pick up my GoPro at the store along with everything I needed with it. Here’s where QuadPay becomes the leading company that lets you buy the things you want. You pay QuadPay every 2 weeks!!! This gives you time to make the money you need to pay off your purchases. QuadPay is upfront and has no hidden strings, you pay for what you get, no bogus interest rates that take more from you. Now I will say this, if you are late in a payment you will get charged a late fee on top of what you still owe, so be sure you have the money you need to get the items you want, so you don’t get late fees. Overall I’ll be doing my shopping with QuadPay from now on, there’s no going back!

see you later space cowboy, Jun 13, 2021

Description

Zip gives savvy shoppers more freedom and flexibility with our buy now, pay later platform. It’s a smarter way to stretch your funds. SPLIT ANY PURCHASE IN 4².

Shop your favorite brands and pay with your linked account in 4 installments over 6 weeks²…Get approved instantly, with no application forms or hassle³. PAY LATER WITH ZIP WHERE YOU WANT¹, ONLINE OR IN-STORE Install our app and use Zip pretty much anywhere¹, you shop—whether online or in-store. Add Zip to your Apple Wallet or Google Pay for easy access. THE SMART ALTERNATIVE TO CREDIT CARDS No hard credit checks, and no impact on your credit score—ever. We’ll let you know when installments are due so you’re on top of every payment. HOW DO I USE ZIP? 1. Install the app and sign up to start shopping³. 2. Search for anything you wish to purchase 3. Enter the amount you’d like to spend (including any taxes or shipping costs!). 4. Your purchase will be split into 4 easy installments over 6 weeks². Easily track your spending, view transaction history, and manage open payments in the app. 5. Update or change your account details, including payment method, any time. 6. Get answers to frequently asked questions and contact our support team directly from the app. CONNECT WITH US For daily style tips, lifestyle hacks, and up-and-coming brands you’ll love, follow us on Instagram. http://instagram.com/zip.us ___ Loans through the Zip app are originated by WebBank, except for Zip originated loans in CO, NV, MA and MD. ___ ¹Zip can only be used for US purchases. Certain merchant, product, goods, and service restrictions apply. ²For 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. 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. ³Eligibility criteria apply. See payment terms: https://zip.co/us/quadpay-terms-of-service. Loans to California residents, other than loans through the Zip App and Zip Card, are made or arranged pursuant to California Lenders Law license.