How Buy Now Pay Later No Credit Check Works
Split your next purchase in to easy installments, where you shop.
Zip gives you the freedom and flexibility to get what you want now, and pay later.1
Buy it today, pay for it in 4 installments.
Shop anywhere and choose Zip at checkout to pay later.
You'll pay the first installment upfront, and the rest over 6 weeks.1
In 2 weeks
In 4 weeks
In 6 weeks
Shop where you want with the Zip app
Get our app to use Zip pretty much anywhere you shop—whether online or in-store.1
How to shop online with the app
Find a retailer
Search for your favorite stores in the app.
Browse your favorites
Add products to your cart, then tap "Pay with Zip."
Confirm purchase amount1
Ensure your cart amount matches the payment request.
We'll autofill your payment info—check out in seconds.
How to pay in-store with the app
Select the In-Store tab1
Enter your total purchase amount.
Review your payment plan1
Confirm your amount and payment method to generate your virtual card.
Add to your wallet
Keep Zip in your Apple Wallet or Google Pay for easy access.
Tap to pay!
Pay with your wallet to complete your purchase.
Shopping with Zip at checkout
Look for the Zip logo online when checking out at your favorite online retailers.
Advance notifications ensure you're always on top of every payment.
No impact on your credit score.
Simple & transparent
Clear terms, so you’ll always know what to expect.
Download the app
to get started
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 $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.