15 Best Apps Like Quadpay (Zip) in 2024 | Make Easy Installment Payments

If you are looking for apps like Quadpay, you have landed on the right page. Quadpay is an app that provides ‘Buy now, Pay later’ services. In a world where most people live on monthly paychecks, these services are a great way to sustain one’s lifestyle. When I say lifestyle, I am not referring to an extravagant lifestyle. Apps like Quadpay help a person to sustain a simple lifestyle by letting them make payments in installments.

Quadpay was founded in 2017 and is one of the best apps for installment payments. However, this app was acquired by the payment company Zip in 2020. Since then, it has been known as ZipPay. This is a great app that provides financing options to its users. It gets brownie points for offering interest-free installment payments. Another great point about this app is that there are minimal to no credit checks. 

Quadpay (Zip) is the leading ‘Buy now, Pay later’ app, but it is not perfect. It has its own problems. In this article, I will share with you a list of the 15 best apps like Quadpay (Zip). If you are looking for Quadpay alternatives, do check out this list.

15 Best Apps Like Quadpay (Zip) to Make Easy Payments

Quadpay is one of the best apps for making payments in installments. However, it is not the only app. Affirm, Klarna, and Sezzle are some of the best apps like Quadpay (Zip). While these three apps are the best competitors for Quadpay, there are many other Quadpay alternatives that have been mentioned below. Scroll down to check the list for the best apps like Quadpay.

1. Venue

First up on the list of apps like Quadpay is Venue. Popularly known as Venue Marketplace, this app is a premium shopping app that lets its customers make payments in installments. Venue offers competitive prices and many payment options. You can shop from over a million brands from this app. It also offers rewards for its regular customers. It is popularly known for its ‘no interest financing’ policy. This means a customer does not have to pay any interest on the installments.

Pros of Using Venue

• Offers exclusive discounts.
• Free shipping and return policy.
• Many products are shipped the same day.
• No interest is to be paid on the installment payments.

Cons of Using Venue

• A strict payment schedule. 
• There are chances of impulse spending since no credit is checked before lending.

2. Affirm

Affirm is among the other apps like Quadpay. It was founded in 2012 and has seen a steady rise since. Affirm is regarded as one of the best companies that provide point-of-sale loans. It has over 6 million customers worldwide. A customer can make regular short-term payments instead of paying the full amount at once. The interest rate for short-term loans varies from 0% to 30%. However, the silver lining is that the interest is fixed and does not compound.

Pros of Using Affirm

• Affirm has many options for paying in installments.
• No transaction fee.
• Affirm also offers pre-qualification.

Cons of Using Affirm

• Affirm has a limited number of retailers.
• Interest rates are high compared to the other apps
• Your credit score remains unaffected since the on-time payments are not reported to the credit bureaus.

3. Openpay

Next on the list of apps like Quadpay is Openpay. It is popularly known as Opy. This app lets the buyers purchase goods and services easily. Openpay offers the option of making payments in installments. The best thing about this app is that there are no hidden charges for the installment payments. The app is transparent with the users. However, Openpay is different from other apps on the list because it offers services like veterinary. It also has the vision of expanding its markets to education, optometry, and home improvement.

Pros of Using Openpay

• Offers different services.
• Avail services through installment payments.
• Available across three continents.

Cons of Using Openpay

• All services are not available as of now.
• Sign up process is lengthy.

4. Sezzle

Sezzle was founded in 2016 with the vision of financially empowering young people. The main aim of Sezzle is to improve the financial knowledge of its customers. Sezzle app has over 2.4 million users worldwide. Because of all this, it is a worthy addition to the list of payment apps like Quadpay. Sezzle allows its customers to pay for a purchase by dividing the payment amount into four installments. These installment payments have to be made over a period of six weeks. 

Pros of Using Sezzle

• An easy credit checking process is followed. 
• Simple and transparent payment plans.
• No interest is to be paid on purchases.

Cons of Using Sezzle

• First-time users have low payment limits.
• Refunds are not qualified until you contact the merchant.
• A fee is charged if you fail to make a payment.

5. Afterpay

After Pay is amongst the best global payment companies. It has over 8.3 million users worldwide. It is among the best payment apps like Quadpay. It has an attractive website. Afterpay does not check the financial capabilities of a person before lending them. After pay also has an interactive mobile application with an easy-to-use interface.

Pros of Using Afterpay

• You can get the approval for installment payments easily.
• The retail stores are integrated seamlessly.
• Offers a lot of payment options. 

Cons of Using Afterpay

• If you fail to make a payment on time, you will be charged a fee.
• The payment plan schedule is strict.
• There are chances of impulse spending since no credit is checked before lending.

6. Laybuy

Next up on the list of apps like Quadpay is Laybuy. This company is based in New Zealand. Lazybuy is one of the most reliable companies. It allows the customers to split the payment into installments. The payments are divided into six installments. These installments have to be paid over a period of five weeks. However, the first ⅙ of the payment has to be made at checkout. 

Pros of Using Laybuy

• Regular installment payments can be done over a period of six weeks.
• There is no establishment fee.
• Easy to use application.

Cons of Using Laybuy

• Laybuy works only in limited countries.
• If you fail to make a payment on time, you will be charged a fee.

Note: Laybuy is a New Zealand-based company and focuses mainly on New Zealand. The company accepts only the New Zealand banks’ cards.

7. Splitit

One of the best apps in the list of payment apps like Qudpay is SplitIt. The app was founded in 2012 and is based in New York. SplitIt is same yet different from other apps like Quadpay. No late fee is charged for late payments. SplitIt app is focused on giving its users the best possible experience. SplitIt helps the user make easier payments by dividing them into installments that can be paid overtime.

Pros of Using SplitIt

• Interest-free payments, if carried on time.
• No fee will be charged if you are late for an installment.
• Simple approval process
• No credit check is done.

Cons of Using SplitIt

• Very limited payment options are available.
• Very limited retail partners.
• Payment is accepted only via Visa and Mastercard.

8. Klarna

Klarna is one of the best apps like Quadpay. It is a well-known app for ‘buy now, pay later’ services. Like all the apps on this list, Klarna lets its users buy products and split the payment into installments. However, Klarna works in a little different way. Users can borrow money from Klarna to buy a product and then make installment payments through debit or credit cards. Klarna also checks the credit background of a user before approving the services.

Pros of Using Klarna

• Make payments in easy four installments.
• Interest-free installments.
• Only pay for what you keep.

Cons of Using Klarna

• Charges late fees.
• A credit check is done before approving services.
• The missing payments get reported to the credit bureau.

9. ViaBill

Next on the list of apps like Quadpay is ViaBill. Founded in 2009 and based in Copenhagen, this app has grown immensely over the years. It works on offering simple and easy payment plans for its users. The payments can be done for an interest of 0%. ViaBill is mainly focused on partnering up with small businesses. ViaBill wants to integrate small businesses into its platform. Users can divide their payments into four easy installments. However, the first installment has to be paid at the checkout. 

Pros of Using ViaBill

• Easy to use.
• No repayment fee is required for making purchases.
• The settlements can be managed easily.

Cons of Using ViaBill

• Very limited merchant support and communication.
• Not convenient for international users.
• The refund policy is very complicated.

10. Paypal Credit

PayPal Credit was earlier known as Bill Me Later. It was acquired by PayPal in 2008. It comes on the list of apps like Quadpay because of its payment options. This app helps its users to make online purchases without using a credit card. However, this app can only be used in a store where PayPal is accepted as a form of payment. Any purchase of over $99 is financed by PayPal Credit. It can then be paid in installments.

Pros of Using PayPalCredit

• It is easy to set up and user-friendly.
• For the first four months, you get interest-free credit.
• The checkouts are easy and quick.

Cons of Using PayPalCredit

• There is a rigorous process to check the credit history.
• The APR is 19.9% after the first four months.
• The app cannot be used in stores that do not accept PayPal.

11. FlexWallet

Next up on the list of apps like Quadpay is FlexWallet. This app is a solution for those who like to buy through the lease-to-own process. You can use FlexWallet to lease-to-own furniture, electronics, and appliances. This app lets you lease products through its ‘buy now, pay later’ services. It allows the customers to buy a product and then divide the payment into equal installments that can be paid over a period of time. Once your credit history is checked, FlexWallet allocates a spending limit of less than or equal to $2500.

Pros of Using FlexWallet

• Make easy installment payments.
• Allows you to shop at your favorite retail store.
• No interest payments.

Cons of Using FlexWallet

• The login process is lengthy.
• Lacks good customer service.

12. Zebit

Zebit is one of the best payment apps like Quadpay. It was founded in 2015 and is based in California, USA. This app was developed with the vision of making online shopping inclusive. Zebit focuses on making online shopping available and affordable irrespective of a person’s financial history. After making a purchase a Zebit user can pay in installments over a period of six months. An added benefit is that there is no hidden penalty for late payment. Additionally, Zebit offers credit up to $2500 without charging any interest. 

Pros of Using Zebit

• No hidden fee for late transactions.
• This app does not affect your credit score.
• The payment schedule is flexible.

Cons of Using Zebit

• The prices offered by this app are higher than other competitors.
• Zebit has a no refund or return policy.
• The shipping takes a long time.

13. PerPay

If you are looking for apps like Quadpay that will help you improve your credit score, then PerPay is a safe bet. PerPay provides ‘Buy now, Pay later’ services. It does not check the credit of a person upon sign-in. It lets the users register on the app in an easy way. The app has a user-friendly interface. After the credit check, the spending limit is allotted to the user. PerPay helps in improving the user’s credit when the user pays the installments responsibly and on time.

Pros of Using PerPay

• Easy installment payments.
• Helps to improve credit score.
• Offers a lot of options for purchasing.

Cons of Using PerPay

• You may have to pay above the retail price.
• Cannot use it if you are unemployed.
• Need to submit personal information.

14. Four App

The Four payment app is next on the list of apps like Quadpay. It was founded in 2018 and is based in North Miami, USA. Four payment app lets its users make flexible payments through installments. Four offers its customers to split their payment into four installments. These installments can be paid over a period of time. An interesting thing about the Four app is that it does not check your credit before lending.

Pros of Using Four

• Easy and quick setup process.
• Interactive and easy-to-use app.
• Four provides many financing options.

Cons of Using Four

• There are many bugs in the app.
• The customer support is lousy.
• A complicated refund policy.
• Fees are charged for late payments.

15. FuturePay

Future Pay is another app in the list of payment apps like Quadpay. It was founded in 2013 and is based in Lehi, USA. Future Pay is a ‘buy now, pay later’ app that focuses on providing ease of payment for buyers and businesses. Future Pay works on providing security to its customers. It helps its users to complete payments in equal installments over a period of time. These installments can be paid over six months. 

Pros of Using Future Pay

• Great customer service is offered by Future Pay.
• An easy and quick setup process.
• The payments are transparent.
• Future Pay provides compatibility with many mobile devices.

Cons of Using Future Pay

• Future Pay does not support many operating systems.
• There is no live support.
• The application has many bugs.

Wrapping Up

It is time to wrap up! In this article, I have given you 15 payment apps like Quadpay. You can use any of these apps to make a purchase and pay later in installments. However, you should keep in mind that the installments should be paid on time. Otherwise, you will have to pay an additional fee. I find Klarna and Afterpay the best apps on the list. These apps are simple to use and provide all the basic requirements.

I hope you liked this article. Do let me know your favorite app for making payments in installments. For more such content, keep visiting Path of EX!

Frequently Asked Questions