8 Best Apps Like Zip (Quadpay): Buy Now Pay Later!

Zip has so many great features that make it a top choice for consumers searching for the perfect BNPL app.

Zip has a lot to offer, including:

• It only runs a soft credit check, so your credit score isn’t affected.
• You can shop online and in-store.
• You can browse its directory of merchants or make purchases directly with the Zip app anywhere that accepts Visa.

Of course, there are some downsides.

Any purchases you make through Zip are subject to a $1 platform fee per installment, totaling $4 per order.

Zip also charges late fees. If your payment is late, you might incur a late fee of $5, $7, or $10, depending on your state of residence.

Like with most apps similar to Zip (formerly Quadpay), you will need to pay the first installment upfront, so keep that in mind. That’s not really a downside, though, since that’s how most BNPL plans work.

Quadpay (Now Zip) Alternatives

Zip certainly isn’t the only app of its kind out there. Because BNPL plans are so popular nowadays, there are quite a few apps that offer this type of financing.

Here are some apps like Zip that allow you to buy now and pay later…

1. Klarna

I see Klarna on so many of the online shopping websites I visit, particularly clothing stores. That’s because it’s one of the most popular BNPL companies around.

Klarna allows you to split the cost of your purchases online. With the Klarna app, you can also get exclusive deals and discounts.

By signing up for the Klarna app and completing one payment, you can unlock a $5 welcome reward.

Klarna is legit and very well-rated. The app has 4.6 stars and 358,900 reviews on the Google Play Store, and on the App Store, it has 4.8 stars and 520,000 reviews. It’s popular and loved by consumers.

Here are the key features that Klarna has to offer:

• Split any purchase into four interest-free payments.
• Pay 25% upfront.
• Klarna only runs a soft credit check for the Pay in 4 option, so it won’t affect your credit score. There is a Financing option available as well, but Klarna will run a hard credit check for that.
• You can use Klarna online or in-store.

Here’s where you can get the app:

• iOS
• Android

2. Affirm

Affirm is a popular app similar to Quadpay. It has a 4.0-star rating and 114,192 reviews on the Google Play Store, and 4.9 stars and 857,900 reviews on the App Store.

With Affirm, you can purchase an item now and pay it off over time.

Here are the key features that Affirm has to offer:

• 0% or 10% to 30% APR. You could qualify for 0% APR and not have to pay any interest for split payments over time, or you could pay anywhere from 10% to 30% in interest if you don’t qualify for the 0% APR.
• APR is based on credit and is subject to an eligibility check.
• You can borrow up to $17,500.
• Affirm does not charge any late fees.
• A down payment may be required.
• Available for purchases online or in-store.
• Affirm performs a simple credit check that doesn’t affect your credit score.

Here’s where you can get the app:

• iOS
• Android

3. Sezzle

Sezzle is a popular BNPL app that allows you to split the cost of your purchases.

Its app is highly reviewed, with 4.8 stars and 27,000 reviews on the Google Play Store, and 4.9 stars and 67,700 reviews on the App Store.

Here are the key features that Sezzle has to offer:

• Split your purchases into four payments over six weeks.
• Installments are interest-free.
• A down payment is required, which, in most cases, is 25% of the order total due up front.
• You can discover more than 44,000 brands offering the latest trends in fashion, home goods, beauty, and more.
• Sezzle only runs a soft credit check, which means it doesn’t negatively impact your credit score.

Here’s where you can get the app:

• iOS
• Android

4. PayPal Pay in 4

PayPal is a well-known company that allows you to make and receive payments quickly and conveniently. PayPal also offers a Buy Now, Pay Later feature called PayPal Pay in 4. With PayPal Pay in 4, you can split the cost of a purchase into installments.

Here are the key features that PayPal Pay in 4 has to offer:

• You can split your purchase into four payments.
• There’s no interest charged.
• PayPal Pay in 4 doesn’t charge any late fees.
• You can use Pay in 4 at millions of stores, including Target and Best Buy.
• Because it’s backed by PayPal, you get the same purchase protection that you already enjoy from PayPal.
• You need to make the first payment to complete the purchase, and then you will need to make the remaining three payments, one every two weeks.
• Pay in 4 is available for purchases of $30 to $1,500.

Pay in 4 is not currently available to residents of:

• New Mexico
• North Dakota
• Missouri
• South Dakota
• Wisconsin
• Nevada
• Rhode Island
• Or any U.S. territories

Here’s where you can get the app:

• iOS
• Android

5. Perpay

Perpay is another app that you can use to split the cost of purchases. It’s particularly beneficial for those with a poor credit score because Perpay doesn’t check your credit history; instead, it uses your verified income to set your spending limits.

The company’s mission is to make everyday purchases more accessible and help you build credit along the way.

It has 4 stars and 3,128 reviews on the Google Play Store, and 4.7 stars and 4,000 reviews on the App Store.

Here are the key features that Perpay has to offer:

• $1,000 average spending power
• You pay with small payments from your paycheck
• It increases credit scores by 39 points on average
• No interest charged
• No late fees
• No credit check required
• Shop more than 1,000 brands

Here’s where you can get the app:

• iOS
• Android

6. Afterpay

• Google Play Store stats: 4.5 stars and 119,022 reviews
• App Store stats: 4.9 stars and 668,800 reviews

Afterpay is a popular and well-rated app. It has 4.5 stars and 119,022 reviews on the Google Play Store and 4.9 stars and 668,800 reviews on the App Store.

With Afterpay, you can buy products from a variety of retailers and then split the cost of the payment. And with many places that take Afterpay, there is no shortage of stores where you can use it.

Here are the key features that Afterpay has to offer:

• You can pay in 4 bi-weekly installments.
• You will need to pay the first installment upfront and then the remainder every 2 weeks.
• There are thousands of stores and brands to choose from.
• Installments are interest-free.
• You can shop in-store as well. You pay 25% upfront and the rest over the next 6 weeks.
• Find shopping deals on a variety of beauty, fashion, homeware products, and many other items.

Here’s where you can get the app:

• iOS
• Android

7. Laybuy

Similar to AfterPay, Laybuy is also a Buy Now, Pay Later app that’s well-reviewed online. It has 3,000 reviews and a 4.4-star rating on the Google Play Store. In the App Store, it has a 4.7-star rating from 1,000 reviews.

Key points:

• Laybuy performs a hard credit check.
• You can make a purchase and then pay it off later in 6 weekly installments.
• Installments are interest-free.
• Use the app to pay with Laybuy in-store or online.
• The first payment is equal to one-sixth of the purchase price and occurs once the order is completed. The remaining 5 payments are processed each week on the day of the original purchase from your nominated card.

Here’s where you can get the app:

• iOS
• Android

8. Zebit

Zebit doesn’t have as many reviews as the previous app. It has just 35 reviews on the App Store and 87 on the Google Play Store. Although it doesn’t have that many reviews, it is well-rated, with 4.6 stars on the App Store and 4.2 stars on the Google Play Store.

Key points:

• Shop Zebit’s Marketplace and pay over 6 months.
• Installments are interest-free.
• Shop 1,500 brands, including Samsung, PlayStation, and Macy’s.
• Get up to $2,500 in credit.
• No FICO check. Zebit doesn’t pull anything that will affect your FICO score.

Here’s where you can get the app:

• iOS
• Android

Closing Thoughts

If you like Quadpay, now Zip, then you should definitely give the apps on the list above a try. They allow you to pay off your purchases over time, often without interest. Be careful when using any Buy Now, Pay Later app. Make sure you know when payments are due to avoid missing a payment and incurring a late fee.

What do you think are the best apps like Quadpay? Let us know in the comments section below.