Gift now. Pay later, where you want.1
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Buy Now, Pay Later by Zip

Pay later,
where you

Split nearly any purchase into
4 installments over 6 weeks with Zip.1

Download the app today
4.9361K+ ratings

Zip anywhere for everyone

Use Zip where you want1

Book a trip, order groceries, pay your bills, shop online or instore. Use Zip pretty much everywhere Visa is accepted.1

Pay in easy installments

Shop smarter with Zip. No impact on your credit score. Just 4 installments over 6 weeks.1

How it works

Zip for merchants

We work with thousands of retail partners to deliver a better way for customers to pay. Integrate our “pay later” platform in 10 minutes, no APIs required.

Share Zip and earn $$$

Invite a friend, and you each get $10 once they make a purchase in the app! Terms apply.2

Pay later in a physical store

Use Zip in store with a digital card, anytime, wherever major credit cards are accepted.1


  • Best BuyBest Buy
  • MercariMercari
  • NeweggNewegg
  • FanaticsFanatics

Loved by over 12 million shoppers globally and counting

4.9 App Store361K+ ratings

Love it

Quick and simple, easy to use, and very handy when you need a little extra help.


Zip was so easy to use no hassles about…

Zip was so easy to use no hassles about what store you can make purchases at, no hidden fees, easy to sign up, I will definitely continue to use ZIP


Very easy to use small payments great…

Very easy to use small payments great when you see something and don’t have total amount at the time just zip that’s it

Cheryl MillerVerified


I was able to purchase the tennis shoe that I wanted with Zip right away. Using Zip made it easier for me financially seeing as how I am on a tight budget

Brigid HeronVerified

Love Zip!!

Love Zip!! So convenient and easy to use. Also helpful for family on a budget

Ashleigh WVerified

I absolutely love zip

I absolutely love zip! They help me keep up with the latest trends by allowing me to payments. I’m so grateful to have them and now my mother and husband love them too.

Ashley BrazzellVerified

I used Zip on Fashion Nova and Amazon

I used Zip on Fashion Nova and Amazon, it’s really nice to be able to shop Zip.


Fast & Easy

I found the store I wanted to purchase from, made my order, pushed “pay w/zip”….BAM done😊. Thank you zip

Lucinda PhillipsVerified

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Get instant access to shop now, pay later at thousands of brands—online or in-store.


  • 1 Zip can only be used for US purchases. Certain merchant, product, goods, and service restrictions apply. For 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.
  • 2 For full details, visit
  • Testimonials reflect the individual's opinion and may not be Illustrative of all individual experiences with Zip.