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Zip is the rebranding of QuadPay, one of the early entries in the Buy Now, Pay Later space. (We did an in-depth buy now, pay later comparison if you want to learn more.)

Here are some of the features Zip offers:

• Four payments over six weeks
• 0% interest (but $1 fee per payment)
• Late fees of $7 which are waived if paid within 10 days
• Soft credit check (so no negative effect on your credit score)
• No credit score requirements
• No positive reporting to credit bureaus
• Shop at virtually all stores using Zip’s app