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 1.208

Bug fixes

Ratings and Reviews

4.9 out of 5
542.7K Ratings

542.7K Ratings

Jodibone ,

ZIP has saved me more than any other

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 We're here for you and ready to assist! 💜

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....

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


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