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¹ Zip can only be used for US purchases. Certain merchant, product, and services restrictions apply. A fee may apply for payment date changes. Displayed 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. VISA is a trademark owned by Visa International Service Association and used under license. 91.93% of customers who paid off 5 payment plans for purchases on time received an estimated spending power increase. Data is current as of 04/08/2026. Testimonials reflect the individual's opinion and may not be illustrative of all individual experiences with Zip.

² For 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.

© 2026 'Quadpay', 'Zip', the 'Q Logo' and 'Zip' Logos, and all tag lines used in conjunction therewith including 'Any Store Split in 4' and 'Can I Zip It?' are trademarks of Zip Co Ltd. or its subsidiaries in the jurisdictions in which any of them operate. All other product names, logos, brands, trademarks and registered trademarks are property of their respective owners. All company, product and service names used in this website are for identification purposes only. Use of these names, trademarks and brands does not imply endorsement. Zip Co US Inc (Zip Co US) NMLS ID 1963958 NMLS Consumer Access.

Loans through the Zip app and Zip Checkout are originated by WebBank.

Late fees may apply. Eligibility Criteria apply. Loans to California residents, other than loans through the Zip App, Zip Checkout, and Zip Card, are made or arranged pursuant to California Lenders Law license #60DBO-110414.

LOAN SOLICITATION ONLY. ZIP CO US INC IS NOT THE LENDER. INFORMATION RECEIVED WILL BE SHARED WITH ONE OR MORE THIRD PARTIES IN CONNECTION WITH YOUR LOAN INQUIRY. THE LENDER MAY NOT BE SUBJECT TO ALL VERMONT LENDING LAWS. THE LENDER MAY BE SUBJECT TO FEDERAL LENDING LAWS. (Added 2017, No. 22, § 25.)

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Zip Stores

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Academy Sports & Outdoors
Academy Sports + Outdoors
adidas
Advance Auto Parts
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AliExpress
Alo Yoga
Alternative Airlines
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American Eagle
Angara
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Apple TV+
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Asos
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Balenciaga
Bath & Body Works
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Belk
Best Buy
Bloomingdale's
Bometoys
boohoo
boohooMAN
Boost Mobile
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Canon
Caraa
Cartier
Celebrity Cruises
Champs Sports
Chanel
Chewy
Christian Louboutin
Claire's
Coach
Converse
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Dare to Have Hair
Delta
DHGate
Dillard's
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Dior Beauty
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DoorDash
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e

eBay
eBay Motors
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f

Famous Footwear
Fanatics
FARFETCH
Fashion Nova
Finish Line
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Follett
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GameStop
Garage
Garmin
Gas Bijoux
Geico
Giftcards.com
GOAT
Goodyear
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h

H&M
Hautelook
Hibbett Sports
Homesense
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Ikea
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James Avery
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Kay Jewelers
Kemimoto
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l

Lane Bryant
Laters.com
LEGO
Lodge Cast Iron
Lowe's
lululemon
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Macy's
Mattress Firm
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Nasty Gal
Neiman Marcus
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Ogee
Old Navy
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Pandora
Pet Supermarket
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Rainbow Shops
Ralph Lauren
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Saks Fifth Avenue
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Shein
ShopRite
SKIMS
Spectrum
Sprint
SSENSE
StockX
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T-Mobile
Take5
Target
Temu
The Children's Place
The Home Depot
Ticketmaster
Tire Agent
TJ Maxx
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Ulta
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Valvoline Instant Oil Change
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