Zip - Buy Now, Pay Later 4+

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

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....

Zip is Legit!

If you are familiar with this app and the avenues, it gives you to purchase the things that you like the most from the vendors you love them most. The payment plans in the agreements are feasible and easy to understand and use I give kudos to the developers of this app and the company for making this app user-friendly and not a lot of jargon to absorb in the financing area. But there was one thing I could point out though, Zip does a hard inquiry on your credit score. And that information is what they use to give you the right credit amount within their app to use for yourself . there’s pros and cons to everything. On the upside, Zip does remain transparent throughout the whole purchase process. What you see is what you get. And Zip is a very good job of making that happen and helping you get what you want, evidently their platform works, and as you can see from the array of major retailers, you get to choose from they have established a great relationships with Zip for your enjoyment and benefit while shopping made easy . Especially take this into consideration in the next couple months when the holiday season is in full swing this will be my number one app to go to for my gifts, sweets, and stocking stuffers to keep my gifts, discreet, and the surprises and smiles, even bigger or Christmas Day. Get the app it’s worth it.

Developer Response ,

We appreciate your thorough review and are delighted to hear about your positive experience with Zip! It's fantastic that you find our payment plans feasible and our app user-friendly. We'd like to clarify that when applying for Zip, a soft credit inquiry is performed, which does not impact your credit score. If you have any further questions, don't hesitate to reach out to us at us-appreviews@care.zip.co. Thank you for highlighting our transparency and the wide array of major retailers available. We're here to make your holiday shopping enjoyable and convenient. Happy shopping with Zip, and we look forward to serving you during the festive season! 💜