Zip - Buy Now, Pay Later

Zip - Buy Now, Pay Later

  • Category: Shopping
  • Release Date:
  • Current Version: 1.173.2
  • Adult Rating: 4+
  • Developer: Zip Co US, Inc.
  • Compatibility: Android
  • Links: Google Play Store
4.9
4.90998
423,536 Ratings
$ 0

Zip - Buy Now, Pay Later App

Zip gives savvy shoppers more freedom and flexibility with our buy now, pay later platform. It’s a smarter way to stretch your funds. SPLIT ANY PURCHASE IN 4¹. Shop your favorite brands and pay with your linked account in 4 installments over 6 weeks¹.. Get approved instantly, with no application forms or hassle. PAY LATER WITH ZIP WHERE YOU WANT², ONLINE OR IN-STORE Install our app and use Zip pretty much anywhere², you shop—whether online or in-store. Add Zip to your Apple Wallet or Google Pay for easy access. THE SMART ALTERNATIVE TO CREDIT 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. HOW DO I USE ZIP? 1. Install the app and sign up to start shopping. 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 weeks¹. 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. CONNECT WITH US For daily style tips, lifestyle hacks, and up-and-coming brands you’ll love, follow us on Instagram. http://instagram.com/zip.us ___ ¹For a $200 purchase, you’d make four $51.50 payments every two weeks starting today for a 52.18% annual percentage rate and a total of payments of $206. 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. ²Zip can only be used for US purchases. Certain merchant, product, goods, and service restrictions apply

Zip - Buy Now, Pay Later app screenshots

Zip - Buy Now, Pay Later app reviews

  • Amazing 5/5

    By TeresaCra
    I have used this app for quite awhile now. It is so easy to use and convenient when things are financially tough at times to be able to purchase groceries or anything you need online. Whoever designed this sight and app did a good thing in helping me and a lot of other people who are having a tough time and it is especially great around the holidays for families with children. Teresa
  • Review 5/5

    By TabascoRec
    I Love ZIP I have used this service and has helped me tremendously. The app is great.
  • Very rude 1/5

    By bonnie523
    Very red Erica and I professional do not do it it’s probably a scam
  • Amazingly helpful! 5/5

    By Wima USA
    I’m so grateful to being able to split payments and get what I want in an easy way . Thank you ZIP you’re the best . Way to go!!!
  • Convenient and Easy 5/5

    By Damarisss
    I have Zip when it was first named QuadPay. I didn’t think much of it but after using the app for the first time I loved it . Easy payment plan and you can even change your payment dates. Easy to use like Apple and and the physical card is wonderful ! Love this app. Only con is that it will take some time until they approve you for a higher spending amount.
  • Great service 5/5

    By galemwind
    So easy to use compared to others.
  • Drastic decrease in spending power 1/5

    By Bells-blue
    A friend told me about this app and I applied and was instantly approved for $250. Spending power right before Xmas. It was flawless. I ordered a $59 video game from Amazon and a $42 game from another merchant. Both came before Xmas and I thought this is awesome and will be using this again for future items. I just didn’t want to use the whole balance at once and wanted to wait to pay off the two games first. So the payments were easy being $13.25 and $16.00 every two weeks. The payments come out automatically so on time which is great and when the payments come out it goes back to my Zip balance for future spending power. Cool right and I only have one more payment to make due in two days. Here’s the caveat…. I went to the zip app to check my account and my spending power decreased to $20.00. From $250.00 and I only spent 101.00 with on time payments and only one left. WHAT THE HECK? Is this a glitch. So they reward on time payments with a decrease in spending power? Will update if this gets resolved.
  • Outstanding 5/5

    By STSr.
    Thank you!
  • ZIP 5/5

    By tishtell
    Awesome, easy access, so many available vendors and effortless! Really convince and make life a little easier.
  • Great app!!! 5/5

    By tiredofthisnow!
    I love this app and service!!! It has helped me a lot! I have been using it for over a year now.
  • Easy to use 5/5

    By JD's Queen
    Really liked how easy it was to make the purchase. Went to footlocker and found some shoes I loved . All I had to do was put in the purchase amount and and pay.
  • Great app 5/5

    By flowerpot1883
    Great app! Very user friendly and straightforward with payments etc. Definitely recommend!
  • Fantastic! 5/5

    By Stacy Th
    So easy and convenient. So far zip has been great.
  • Very nice!! 5/5

    By 2max4
    I’m really impressed with Zip. I wish that I had known about them sooner but I am happy that I’ve got them now! Easy to use app also.
  • Good Way To Help 5/5

    By Seeds of change
    This is a good App to use when you have to regroup financially when Covid hit that was and it’s still rough to get back on your feet . The app has help me to get groceries and shoes that I would not have been able to get the payment plan is wonderful it’s been 2years that i have been using it I would like to say thank you for the app
  • Zip is Amazing!!! 5/5

    By cordy202417
    I’ve been using zip for awhile now and it’s a game changer!!!! I definitely recommend this app 100%
  • God sent blessings! For 40 5/5

    By 🙏🙌🏻😇
    Thank you so very much for all that all of you at zips do to help with zips (my Wife) and I consider the opportunity to use zips a game changer, life-saving and total blessing from God since the start of the pandemic and the economical uproar, it has been a financial spiral and because of zips we have made it through some very tough times. two thumbs up, actually four thumbs up if you include my wife’s lol thank you so very much zips keep up the great work and God bless you all. 😇🙏🙌🏻😁
  • Helpful 5/5

    By k28081
    I am grateful for the app, it’s helps me out in a time of need. Now that I am able to pay for my internet bill, it makes things so much easier on me. It’s a great app to have.
  • Zip 5/5

    By daveshelp
    Love this program, such a huge blessing.
  • New Mexico 1/5

    By 19adrii86
    This was the first app that I started using and I loved it and then it stopped working and said it is not working in New Mexico and that is so inconvenient. Because I was always on time with my payments and I have ordered literally over $5000 of merchandise and never was late on my payments and now it’s stating that I no longer can use my card which is so inconvenient.
  • Best app ever! 5/5

    By Lnetherl
    This app helps a lot when you don’t want to pay a large amount upfront but want that product right now. It’s kinda like a mini loan and it’s even better now that you can get the zip debit card and literally use it anywhere! Definitely recommend.
  • Fantastic!!! 5/5

    By Marquise.P
    Literally has been getting me through Christmas, Valentine’s Day and Birthdays without breaking thr bank 🔥🔥
  • Great App and easy to use 5/5

    By peterhans 77
    Great program. Easy to use and can shop at any store you prefer. Save it to your phone as a payment option as well.
  • Great 5/5

    By Dhatch1980
    Makes shopping easy and affordable
  • Awesome 5/5

    By Showtime M
    This is. Great app,ordering from any store is great.It’s also very easy to use.Love it.
  • $600 to $50 due to COVID & Terrible Customer Service 2/5

    By Dreski914
    Long story short I loved this app and used it for everything. I’ve been a customer since September 2020. I’ve made 60+ orders and on time payments. Then last year I was hit bad with COVID and I missed significant time from work. As a result I missed several payments on about 4 orders between August ‘21 - October ‘21. Once I was back to work I got caught up on my payments. It was then that realized my credit limit had dropped from $600 to $50. I talked to customer service about this and they claimed there was nothing they could do to raise my credit limit back up. There’s really no use for a $50 credit limit but I used it in hopes of my limit being increased again. I didn’t even need it to be $600 anymore. $200-300 would’ve have sufficed. But 3 months later I’m still at $50 so unfortunately Im going to be deleting this app. Great while it lasted though. $50 limit and $35 minimum severely limits the the usefulness of this app.
  • Thumbs up 5/5

    By LexiiFit
    It’s actually a really great app this is my second time using it and still have not been disappointed I received my things on time and all the things I ordered so I give it a thumbs up all the way!!
  • Easy to use and so helpful! 5/5

    By Tromite
    I am a big fan of Zip. I live check to check and Zip allows me to make purchases I may not be able to make and spread out price with payments. The app is easy to use and customer service is great. I highly recommend Zip.
  • Love it! 5/5

    By Tam-2009
    It’s the only pay in 4 so far that I have found that allows you to buy groceries too! I love this for the last min stuff that I need and can’t wait till payday to get! Small down payment and pay over time is the best, I have always been a paycheck to paycheck kind of person and credit cards are awful with interest but with zip you only pay a small amount like super small amount compared to what I would pay on my credit card!
  • Hit Or Miss 3/5

    By turtle012901
    This app is alright but just alright. Says your limit depends on various things but I’ve made servers orders and paid them off but my limit never changes! Sort of annoying if you ask me. Still good for the convenience of it though.
  • One of the better pay n four apps 5/5

    By Cl0883
    I love just how versatile it is and simple to use go a long.
  • It’s almost the same as Klarna 5/5

    By Wrench33
    It’s just another app like Klarna. It works well but one feature that would be nice. If I wanted to pay something off in its entirety I should be given the opportunity to pay the full amount once not each individual installment amount. Other than that it is a good app and easy to use.
  • Plenty of choices 5/5

    By V.Lovelace
    So let me tell you I really appreciate zip , that app is so easy to use and oh my goodness all the stores we are able to choose from , I mean there is sooo many choices which I appreciate it truly is a big help .
  • Pretty great!!!! 👍 4/5

    By helloffreeeeeeeisch
    If you are not the best at saving money, yet you get paid bi weekly, you get the chance to learn how to try with this financial app. The only thing I gave a missing star for was, let’s say you had to shop around, maybe for the holidays and you needed a couple of things on payment plans, you wouldn’t be able to tell which payment is for what. They don’t provide the name of the product bought. Let’s say you’re it the only one using this app, you could end up paying on someone else’s installment. You do get the name of the place you bought it from, so that helps, but what if you processed 2 or 3 installments from The same place. You’ll have to jot down the confirmation number from the zip app and just match it up there when paying towards your installments. This also helps. Other than that, it’s a winner. I would give the app a 4.5 but they don’t allow me to.
  • Lifesaver 5/5

    By Ashashahsh
    Whenever my paychecks just can’t stretch like they used to; I use this app. I’m able to break my cell phone bill down into smaller payments - absolutely incredible! I’ve also used it for Amazon orders for odds and ends I’m not able to budget for— socks, extra clothing for the kids, household essentials. With the economy the way it is right now, this app has been a lifesaver. Pro tip: if you can afford it, pay your payments sooner so your credit reups and you have that safety net in case something comes up!
  • Do not use!! 1/5

    By dopee_lyfe_
    Got an an account September 2022 and over a spand of 4 months I got approved for 1200 dollars. I emailed them and was constantly told that they are working to see why my account is in hold. I kept getting (cause I’m in different locations or I travel to much it looks suspicious). They put my account on hold never got the chance to buy anything nor use the app and basically told me I will never be able to use the app and was told have a great day that was all. No real explanation of me traveling having to do with using the application. Why approve me for $1200 and not let me use it. Greatly disappointed and would not recommend to anyone!!! Wish I could give zero stars!!! The zip team has constantly emailed me several times and yet still no real results!!
  • Was excellent 2/5

    By Martinezm024
    What’s the best pay later app I have and done many transactions up to thousands of dollars but now they no longer are available in my state so can’t use anymore.
  • Simple 5/5

    By tjoseph005
    Easy to use and straight to the point. Awesome
  • Faster increase 4/5

    By Jacque_0830
    I am long time customer and I enjoy using the app for my purchases. The only downside is I pay my payments on time and they don’t offer increases for customers like me who’s never late.
  • Xoxo82 5/5

    By xoxosihy
    Love the app .. keeps my credit utilization down
  • Trash refund service 1/5

    By tee.jay kang
    I would give them a zero if i had choice. I returned my steam mop on january 8th 2023, which i ordered from bed bath beyond and today is January 26th and i am still waiting for my refund.
  • Love it 5/5

    By ruta07
    This app has helped me in so many ways and I love the reasonable payment plan! I highly recommend this to everyone!
  • Ummm 3/5

    By ejdfw
    Honestly they charge you a 4 dollar fee. Klarna (also allows you to shop anywhere) and Afterpay are better. They increase your limit more frequently as well.
  • Love this app 5/5

    By CaptWaldo
    Love this app it makes thing easier to obtain without without blowing your budget.
  • Zip review 5/5

    By Moneybagstoney
    I love this app. I work a lot so, some days I forget bdays coming up and my teenage son always needs something. Zip has made it easy when I’m not able to pay in full. Love it love it love it!
  • Helpful! 5/5

    By dsl518
    The most helpful app out there hands down! I love it!
  • Great app! 5/5

    By lvgtr
    Really helpful when I needed medical supplies on a budget that was affordable! Thank you! Thank you!
  • Wonderful 5/5

    By LovedbymySavior
    The best pay as you go app, it’s accepted literally everywhere and I have never had an issue buying anything from gift cards, food, and many other items that you can’t buy on other apps. Truly amazing . A
  • Super Convenient and I use it a lot 5/5

    By Scott Woida
    Very easy to use. Super convenient. You can use it for anything from a purchase to paying bills. If the merchant accepts Apple Pay or Google pay and it’s within your spending limit then you can use. Minimal fees as well.