Zip | Buy now, pay later

Zip, Co.

About this app

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.

Ratings and reviews

I am really grateful for this buy now pay later app because it helps me stretch my check to be able to cover all of my bills without accuring late fees or cutoff fees! It's super easy to use and easy to make payments. However, you cannot pay with your cash app card. You will need to transfer the money to a different card. Other than that small inconvenience, it's such a great app. I love using zip!

Extremely convenient, and easy to use. The best pay in 4 option available in my opinion. Even the pay in store, they send a card, and all you do is type in the amount and your card is ready to pay with. Comes in handy. They also increase rapidly as long as you pay your payments. I have been using them for at least a year. Zero issues or complaints. Wonderful, thank you Zip

I think they should have a grace period, I have a pretty high rate of paying on time and almost never missing a payment. My record is spot less. Yet, the one time I need like 2 more days until I get paid, suddenly I'm hit with fees and my account is frozen..Update: this BNPL let's you do 8 split payments, which would be cool BUT and this is a big one, if you move any of your payment days, you lose the 8 payments option indefinitely. That's crazy they have a penalty for something they offer..

What’s new

Bug fixes, performance improvements, and new features