pay later at
Pay for your next purchase at Theory in 4 installments over 6 weeks when you check out with Zip.1
Four easy payments1
Pay in four installments over six weeks.1
Payments are automatically made from your linked debit or credit card every two weeks.1
Advance notifications ensure you never miss a payment.
How to use Zip at Theory
Download the Zip app
Search for Theory
Add your favorites to cart, then tap 'Pay with Zip' at checkout
Your purchase is split into 4 installments over 6 weeks1
Loved by millions of shoppers globally and counting
This is terrific
This is terrific. Unlike some other payment options this can literally be used anywhere that accepts VISA which is almost everywhere. Super easy to sign up.Verified
Use it pretty much ANYWHERE!
Not only can you use this for online shopping and in store purchases, you can legit use it pretty much ANYWHERE! Gooooals.Verified
ZIP is the way to go.
Shopping with Zip is fun, easy and smart. Fun because you can have your purchases immediately, checking out is easy and a smart budgeting decision. What are you waiting for?Verified
Zip allows me to make large purchases and split them into convenient and easy payments! I've been using zip for a while now and the convenience is what keeps me using it!Verified
You can use it almost ANY and EVERYWHERE!!!
I LOVE!! This app!!! I have 2 other apps that offer pay in 4 but I love this one the most because you can use it almost ANY and EVERYWHERE!!!Verified
Great App! Easy to access, quick results for your acceptance and lots of merchandise stores! I will be having fun on here!Verified
Best thing since sliced bread
I love how this app allowed me to take control of my finances. I’m able to use it anywhere Visa is accepted. I’ve never felt more in control of my wallet!Verified
Very convenient to use, especially in store!
I love this because you can use it mostly in any store that accepts Apple Pay. Gas station as well.Verified
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Frequently Asked Questions
Yes! Zip, previously Quadpay, allows you to shop your favorite brands now and pay later. Shop pretty much anywhere1 and split your purchase in 4 installments over 6 weeks with the Zip app.1
- 1 Zip can only be used for US purchases. Certain merchant, product, goods, and service restrictions apply. For example, 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. Actual installment fees vary and can range from $0 to $7.50 depending on the purchase price and Zip product used. Actual amount of fee for your purchase will be reflected in checkout. Estimation of installment payment and annual percentage rate excludes potential tax and shipping costs. Zip Pay Anywhere and Zip Checkout financing through Zip issued by WebBank, except for Zip-originated loans in CO, NV, MA, and MD. All loans are subject to credit approval.
- Testimonials reflect the individual's opinion and may not be Illustrative of all individual experiences with Zip.
- 2 Zip can only be used for US purchases. Certain merchant, products, goods, and service restrictions apply.