Buy now, pay later nearly anywhere with Zip.
Split purchases into 2, 4, or 8 flexible installments with the buy now pay later app built for real life: everyday expenses, unexpected bills, big purchases, hotels, flights, and more.
No hard credit check, and no impact on your credit score.
BUY NOW, PAY LATER NEARLY ANYWHERE
Pay with Zip online and in-store almost anywhere Visa is accepted.
• Flights
• Hotels
• Gas
• Groceries
• Bills
• Major retailers
• Neighborhood shops and local businesses
• Online checkout or in person
Buy now pay later nearly anywhere Visa is accepted with a Zip virtual card.
SPLIT IT INTO 2, 4, OR 8
Choose the payment schedule that fits your budget. Buy now, and pay later in two-week installments.
Pay in 2: Two payments, fastest payoff
Pay in 4: Four payments, the most popular plan
Pay in 8: Eight payments, smaller amounts over more time. Great for bigger purchases.
BUY NOW PAY LATER IN-STORE
Buy now pay later right at the register with Zip. Just open the app, generate a virtual card, and add it to Apple Wallet or Google Pay to tap to pay.¹
Prefer plastic? Order a physical Zip card and use it at the register like any other card.
NO HARD CREDIT CHECKS
Zip never runs a hard credit check, so applying and paying over time won't hurt your credit score. Installment reminders are sent automatically, so you can stay on track easily.
FLEXIBLE PAYMENT DATES
Payment schedules can shift when life does. Reschedule an upcoming installment for more breathing room.
STAY ON TOP OF YOUR BILLS
Add bills to the app and split them into manageable payments, from electric and water to phone, internet, and streaming subscriptions. Track what's due and get reminders before every payment, so nothing slips through the cracks.
GET APPROVED IN MINUTES
Check your eligibility for Zip's buy now pay later app in minutes and get an instant decision, so you can start shopping and paying over time quickly.
¹For example, a $1,100 purchase could be split into 2 payments of $553.75, with the first payment due today ($7.50 origination fee, representing a 35.70% APR with total of payments $1,107.50) or a $400 payment could be split into 4 biweekly payments of $102 with the first payment due today ($8 origination fee, representing a 34.75% APR with total of payments $408). For a $400 purchase, you could make 8 payments of $52.37 with the first payment due today ($18.97 origination fee, representing a 34.99% APR with total of payments $418.97). Not all customers qualify for all repayment options. Different repayment options may result in different APRs for the same purchase amount. Origination fees are prepaid as a finance charge with the first payment. Actual fees vary by purchase amount (e.g., $0.50–$124.00) and will be shown at checkout. Examples exclude taxes and shipping. Financing through Zip, issued by WebBank. Zip may be used only for U.S. purchases, and certain merchant, product, goods and service restrictions apply. All loans subject to credit approval.
²Displayed estimated spending power is for representative purposes only. Your Estimated Spending Power is a point-in-time estimate of how much you may be able to spend, is not guaranteed, and is impacted by a number of factors. Zip or WebBank may decrease your estimated spending power within its reasonable discretion, including where you have previously had an unpaid balance or have an amount past due. Your estimated spending power is not an open line of credit. Each transaction is separately reviewed for approval. For additional details, please see the terms and conditions.
³Zip can only be used for US purchases. Certain merchant, product, goods, and service restrictions apply.
⁴A fee may apply for payment date changes.
⁵This card is issued by Celtic Bank pursuant to a license from Visa U.S.A. Inc.
AI-generated imagery.
I decided to try ZIP. I always pay for everything with cash and have never had even one credit card and I’m 67 years old. I have always believed if I don’t have enough money to pay for what I want then I don’t need it. I believe one major problem that has caused massive widespread depression and even suicide is people living outside there means. Some that make an income that puts them in the upper class living have so much debt that like lower class Americans are just one paycheck away from being homeless. I’ve never had any debt but my daughter sent me an invitation to become a ZIP member and after read then thinking about it I decided to make a purchase through ZIP knowing that I would only make a small purchase. It was an extremely easy process and I was surprised weeks later to receive a notification that my purchase was paid in full. Today I’m ready to make a second purchase. I’ll have to admit that I love this ZIP credit line. I never noticed when a payment was taken out of my personal bank account. I have invited my family and friends to join me in ZIP. I don’t think anyone could go wrong with ZIP. I’m impressed because even low income shoppers can benefit from this system that monitors purchases and payments and I’m not positive but I’m thinking that it’s not possible to get yourself in debt. If your thinking of getting a credit card or would like to make a purchase now because the sale ends soon yet you don’t have enough money at the moment go with ZIP. I don’t think you will ever be sorry you did.
ZIP has saved me more than any other
Jodibone
I’ve been w/ZIP for years! This is the #1 app!! I have referred ZIP to Friends/Family more than Any app out there. One friend didn’t believe me thinking it was all too Good to be true. She had said “I cant get anything! I don’t have bad credit.. I just don't have Any credit” I told her Credit has nothing to do w/ ZIP app, long as you have a reoccurring deposit to pay back. I was so confident I told her “IF ZIP won’t pay then ‘I’ will pay for your order” {yea then I 😬 🙏 awaiting for ZIP reply} Thank God once again ZIP did Not let me down! My friend was approved😃 There’s one thing to be careful of IF you’re paid Monthly vs. Bi-Weekly~ ZIP automatically Withdrawals their payments every 2weeks {ZIP gives a Schedule w/ the dates of payments for your Agreement} In my case~ on payday I make (2) payments or I pay all Installments in FULL. This actually helps my Credit. After you pay back 4 or 5 purchases on time~ZIP increases your loan! This is a Great feature I dont think any other app {sezzle, afterpay etc} has w/incentives like this.. Don’t forget to Download your ZIP card to Apple Pay! I was hours away from home & realized my Grand daughter obviously played/hid my Debit cards because not 1 was in my Wallet😳😓 I had to use my ZIP card in my Apple Wallet to buy Gas to get us home🙏 Another time I used my ZIP to pay for a Prescription that was way too expensive. Thank You ZIP for saving my 🍑 more than I can count!!
Developer Response
Thank you for taking the time to share your positive experience with Zip! We are thrilled to hear that you found our payment solution convenient and user-friendly. We are committed to providing our customers with a reliable and trustworthy service, and we're glad that we were able to meet your expectations. It is such a privilege to have you being a part of the Zip community. If you have any questions, feel free to contact our team directly at us-appreviews@care.zip.co. We're here for you and ready to assist! 💜
See for yourself
UniversalQ17
QuadPay...genius. Name speaks for itself, four payment installments. I stumbled across QuadPay on google and it couldn’t of been anymore on time than it was. I’ve used afterpay, which is similar in the sense that it breaks down your total purchase into four payments as well. However, I’ve never heard of half the stores on Afterpay. I love the broad selection of retailers with QuadPay. Every place that human beings shops is offered on QuadPay, unlike Afterpay. Not swaying shade with the contrast and comparisons. It’s just that I am really impressed with QuadPay. I shopped for my daughters birthday party decorations and gifts on amazon(because I trust and love their delivery service!) it was so easy to complete my purchase and I was honestly surprised when the transaction went through. You know how they say, “if it seems to good to be true, then it usually is”. Well not when it comes to QuadPay....shop where you want...let QuadPay know how much you’re spending(within the amount you’re approved for) don’t even worry about being exact, because if you fall a little short of tax calculation or shipping...QuadPay will adjust the difference for you. I’m just hoping that after completing my installments I can build my way towards a higher amount. My payday didn’t land until the day after my daughters birthdays. So I’m super thankful for QuadPay and everyone that made QuadPay happen. Just use responsibly so that we can continue to have this great service. Highly recommend!
Amazing!!
krj1083
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
Bug fixes
Version 1.256.7
The developer, Zip Co US, Inc., indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Linked to You
The following data may be collected and linked to your identity:
Purchases
Financial Info
Contact Info
User Content
Search History
Browsing History
Identifiers
Usage Data
Diagnostics
Privacy practices may vary, for example, based on the features you use or your age. Learn More
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
Seller
Zip Co US, Inc.
Size
159 MB
Category
Finance
Compatibility
Requires iOS 15.1 or later.
iPhone Requires iOS 15.1 or later.
iPod touch Requires iOS 15.1 or later.
Mac Requires macOS 12.0 or later and a Mac with Apple M1 chip or later.
Apple Vision Requires visionOS 1.0 or later.
Location
This app may use your location even when it isn’t open, which can decrease device battery life.
