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

Zip has a lot to offer, including:

• It only runs a soft credit check, which means that your credit score isn’t affected.
• You can shop online and in-store.
• You can browse its directly of merchants or you can 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, so a total of $4 per order.

Also, Zip does charge late fees. So, 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 like Zip (formerly Quadpay), you will need to pay the first installment upfront, so do 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 around 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 website I go on, 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. And, with the Klarna app, you can get exclusive deals and discounts.

By signing up for the Klarna app and completing 1 payment, you can unlock a $5 welcome reward.

Now, Klarna is really 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. So, it’s popular and loved by consumers.

Here are the key features that Klarna has to offer:

• Split any purchase into 4 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 too, 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 really popular app similar to Quadpay. It has a 4.-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. So, you could qualify for 0% APR, and you don’t have to pay any interest for split payments over time. Or you could have to pay anywhere from 10% to 30% in interest fee 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 really popular website and BNPL app that allows you to split the cost of your purchases.

Its app is really well-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 4 payments over 6 weeks
• Installments are interest-free.
• 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, which offer the latest trends in fashion, home goods, beauty, and more.
• Sezzle only runs a soft credit check, which means that 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 super well-known company that allows you to make payments and receive payments in a quick and convenient manner. 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 purchase into installments.

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

• You can split your purchase into 4 payments.
• There’s no interest charged.
• PayPal Pay in 4 doesn’t charge you any late fees.
• You can use Pay in 4 in millions of stores, like 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 3 payments, one every two weeks.
• Pay in 4 is available for purchases of $30 to $1500.

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 up the cost of purchases. It’s particularly good for those who have a bad credit score. This is because Perpay doesn’t check your credit history and it uses your verified income to set your spending limits.

The company says that its 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 score by 39 points on average
• No interest charged
• No late fees are charged
• There’s 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:5-stars and 119,022 reviews
• App Store stats:9-stars and 668,800 reviews

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

With it, you can buy products from a variety of retailers and then split the cost of the payment.

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 1,000s of stores and brands to choose from.
• Installments are interest free.
• Shop in-store too. You pay 25% Upfront and the rest over the next 6 weeks.
• Find shopping deals on a variety of beauty, fashion, and homeware products and many other items.

Here’s where you can get the app:

• iOS
• Android

7. Laybuy

Laybuy is a buy now, pay later app that’s pretty well-reviewed online. It has 3,000 reviews and a 4.4-star rating on the Google Play store. And, in the App Store, it has 4.7 stars and 1,000 ratings.

Key points:

• Laybuy does run a hard credit check.
• You can make a purchase, and then pay it off later, over 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 app does. It has just 35 reviews on the App Store and just 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, like 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 I would 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 you’re using any buy now, pay later app. Make sure you know when payments are due so that you don’t miss a payment and end up having to pay a late fee.

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