Zip - Buy Now, Pay Later 4+

Shop & Pay in 4‪¹‬

Zip Co US, Inc.

Designed for iPhone

    • Free

iPhone Screenshots


Zip gives savvy shoppers more freedom and flexibility with our buy now, pay later platform. It’s a smarter way to stretch your funds.


Shop your favorite brands and pay with your linked account in 4 installments over 6 weeks²…Get approved instantly, with no application forms or hassle³.


Install our app and use Zip pretty much anywhere¹, you shop—whether online or in-store. Add Zip to your Apple Wallet or Google Pay for easy access.


No hard credit checks, and no impact on your credit score—ever. We’ll let you know when installments are due so you’re on top of every payment.


1. Install the app and sign up to start shopping³.

2. Search for anything you wish to purchase

3. Enter the amount you’d like to spend (including any taxes or shipping costs!).

4. Your purchase will be split into 4 easy installments over 6 weeks². Easily track your spending, view transaction history, and manage open payments in the app.

5. Update or change your account details, including payment method, any time.

6. Get answers to frequently asked questions and contact our support team directly from the app.


For daily style tips, lifestyle hacks, and up-and-coming brands you’ll love, follow us on Instagram.

Loans through the Zip app are originated by WebBank, except for Zip originated loans in CO, NV, MA and MD.

¹Zip can only be used for US purchases. Certain merchant, product, goods, and service restrictions apply.

²For a $335 purchase, you’d make four $85.25 payments every two weeks starting today for a 31.11% annual percentage rate and a total of payments of $341. A $6 installment fee is charged at commencement - you pay $1.50 of this fee as a prepaid finance charge when you make your initial payment today. The remaining $4.50 is included in your future payments. Minimum purchase of $35 required. Estimation of installment payment and annual percentage rate excludes potential tax and shipping costs. Installment fees are $4 for purchases from $35 to $99.99, $5 for purchases from $100 to $199.99, and $6 for purchases $200 and above. Zip Pay Anywhere financing through Zip issued by WebBank, except for Zip originated loans in CO, NV, MA, and MD. All loans subject to credit approval.

³Eligibility criteria apply. See payment terms: Loans to California residents, other than loans through the Zip App and Zip Card, are made or arranged pursuant to California Lenders Law license.

What’s New

Version 1.192.2

Bug fixes

Ratings and Reviews

4.9 out of 5
438.9K Ratings

438.9K Ratings

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!!


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....

txjamie ,

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 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! 💜

App Privacy

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


  • Wallet

    Get all of your passes, tickets, cards, and more in one place.

You Might Also Like