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Quadpay review: Make four payments in six weeks with zero interest

Buy now and make interest-free payments later with no hidden fees.


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Use Quadpay to easily split four payments over six-weeks, without paying any interest. After shopping online, select Quadpay at checkout where offered, or you can create an account on its website or mobile app and get an instant approval decision.

How does Quadpay work?

Quadpay allows you to finance your online order in three steps:

  1. Choose the Quadpay option when you check out with one of its partner retailers or shop at any online store that accepts Visa using the Quadpay mobile app.
  2. Link an existing debit or credit card to your Quadpay account.
  3. Quadpay will automatically split your payments into four equal chunks and deduct them from your selected card on schedule.

Quadpay uses advanced algorithms to provide you with an approval decision within just a few minutes. You just have to enter a few pieces of information and let Quadpay take care of the rest.

If approved, you'll pay only the first 25% of your purchase amount. The other 75% will be divided equally and paid over the next six weeks.

See the full Quadpay store list here

Features of shopping with Quadpay

  • No extra costs. Quadpay costs nothing to use, and you'll have no interest charges as long as you pay on time.
  • Automatic deductions. Each payment is automatically deducted from your chosen card, so you can be worry-free about manually paying.
  • Get instant approval. It'll only take a few moments to enter your information and receive an approval decision. Do this right at checkout or ahead of time on Quadpay's website.
  • No hard credit checks. Quadpay only requires your mobile phone number, date of birth and credit or debit card number. It never pulls a hard credit check, so your credit score won't be affected as long as you make your payments on time.
  • Shop anywhere on-the-go. Use the Quadpay mobile app to quickly and easily shop at any online shop that accepts Visa – even if it's not a direct Quadpay partner. You can also shop in-store with the Quadpay virtual Visa credit card.
  • Reminders. You'll receive text and email notifications before a payment is about to process.
  • Easily manage your account. Sign in to see upcoming payments, orders and account information all in one place.
  • Earn credit card points and rewards. You'll still earn points and rewards when you link your credit card with your Quadpay account.
  • Pay early. You can pay installments ahead of time or pay multiple installments at once, at no extra cost.
  • Returns and refunds. Still make returns like you normally would and get refunded for what you've already paid.

How much does Quadpay cost?

Quadpay is a free service that never charges any hidden fees or interest. The only time you'll pay a fee is if you miss a payment. You'll be charged $7 for the first day a payment goes unpaid and an additional $7 if your payment is a full seven days late.

If you think you can't make a payment by its due date, contact Quadpay ahead of time and explain the situation. In some cases, customer service may be able to move your payment date. But there's no guarantee.

Is Quadpay safe?

Yes, payments through Quadpay are secure. But it is important to keep in mind that even though Quadpay doesn't require a hard credit check, the company may report late payments or defaults to major credit reporting bureaus. This could negatively affect your credit score.

How to sign up for Quadpay

To sign up, all you have to do is select the Quadpay option at checkout or create an account on its website or mobile app. You'll just need to provide your date of birth, a mobile number and a debit or credit card.

You'll also have to meet these basic requirements:

  • Live in the US
  • Be at least 18 years old and capable of entering into a legally binding contract (19 in the state of Alabama)
  • Have a valid and verifiable mobile phone number
  • Have a US credit or debit card

Use the live chat contact option on Quadpay's website if you have any problems signing up or using the service.

Have more questions about Quadpay?

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14 Responses

    Default Gravatar
    MarieNovember 30, 2019

    It’s asking for my credit or debit card. Does that mean I got accepted?

      Avatarfinder Customer Care
      JoshuaDecember 1, 2019Staff

      Hi Marie,

      Thanks for getting in touch with Finder. I hope all is well with you. 😃

      I assume you’re referring to Quadpay asking for your credit or debit card.

      Regarding your question, the answer is no. It does not mean you are already accepted. If you are being asked for a credit or debit card, that is only part of their initial sign up process. After that, they only need you to enter your mobile number to make a purchase through QuadPay. That is when they use advanced algorithms to determine whether to approve your application or not.

      If you want to learn more, you may also want to review their eligibility requirements, terms, and conditions.

      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

      Have a wonderful day!


    Default Gravatar
    OctaviaOctober 13, 2019

    With Quadpay, do I get my items right away or do I not receive them until after I finish paying my installments?

      Avatarfinder Customer Care
      JhezOctober 13, 2019Staff

      Hello Octavio,

      Thank you for your comment.

      QuadPay is a buy now, pay later platform which means you can get your purchased items at the time of buying.


    Default Gravatar
    EmilySeptember 16, 2019

    What happens if you cannot pay Quadpay back?

      Avatarfinder Customer Care
      JhezSeptember 16, 2019Staff

      Hello Emily,

      Thank you for your comment.

      If you missed a payment, you’ll be charged $7 for the first day and an additional $7 if your payment is a full seven days late. Quadpay may report late payments or defaults to major credit reporting bureaus which could negatively affect your credit score.

      If you can’t make a payment by its due date, please contact Quadpay ahead of time and explain the situation. In some cases, customer service may be able to move your payment date.


    Default Gravatar
    LSSeptember 10, 2019

    Do I need to pay my remaining balance before I’m able to use Quadpay again?

      Avatarfinder Customer Care
      CharisseSeptember 12, 2019Staff

      Hi LS,

      Thanks for reaching out to Finder.

      You can make multiple purchases with Quadpay even if you haven’t paid your outstanding balance yet. However, there is a limit of 3 active orders at a time per account.

      Please also note that everytime you make a new purchase, your spend limit will be reduced by the full amount of your order until the order is paid back in full.

      I hope this helps.


    Default Gravatar
    SabrinaSeptember 9, 2019

    Does Quadpay build your credit?

      Avatarfinder Customer Care
      JhezSeptember 10, 2019Staff

      Hi Sabrina,

      Thank you for your comment.

      QuadPay never performs a hard credit check on a customer and there is no impact on a customer’s credit rating by using QuadPay. Hence, it does not build your credit.


    Default Gravatar
    LolaAugust 27, 2019

    Do I have to wait until after all payments have been made to receive the merchandise?

      Avatarfinder Customer Care
      CharisseAugust 27, 2019Staff

      Hi Lola,

      Thanks for reaching out to Finder.

      No, you do not have to pay in full before you get your merchandise. QuadPay is a buy now, pay later platform so you can get your purchased item at the time of buying.

      QuadPay will charge you 25% of your purchase amount at the time of the transaction and then split the rest of the order amount into 3 simple, interest-free installments.

      I hope this helps.


      I hope this

    Default Gravatar
    SandraAugust 4, 2019

    How can a pay in the store

      Avatarfinder Customer Care
      nikkiangcoAugust 5, 2019Staff

      Hi Sandra,

      Thanks for your question. Great to hear you are using Quadpay. To use it in-store, follow the steps below.

      1. Search for a store or website: Look up the store you would like to transact at or enter a website address.
      2. Enter your purchase amount. Enter the amount of your purchase including taxes and shipping. If you are in-store you can ask the salesperson to assist you.
      3. Swipe, dip or tap to pay anywhere. Swipe, dip or tap your QuadPay Visa Card at any store, or use it online to complete your purchase.

      Hope this helps and enjoy using Quadpay!


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