Gift now. Pay later, where you want.1
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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

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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

Learn more
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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

4.9 App Store rating361K+ reviews
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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.

  • Complete payment

    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.

  • Fanatics
  • Fashion Nova
  • Violet Grey
  • Newegg
  • Mercari
  • Allen Edmonds
  • Tick Pick
  • Game stop
  • Famous footwear
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Our Features

  • No surprises

    Advance notifications ensure you're always on top of every payment.

  • Instant Decision

    No impact on your credit score.

  • Simple & transparent

    Clear terms, so you’ll always know what to expect.

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Download the app
to get started

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

Get the Zip app
Get the Zip app

References

  • 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.