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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
4.9App store rating

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 millions of shoppers globally and counting

Reviews from the App Store

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.


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.


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?



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!


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!!!


Easy peasy!

Great App! Easy to access, quick results for your acceptance and lots of merchandise stores! I will be having fun on here!


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!


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.


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 App and Physical Card 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 https://zip.co/us/refer-a-friend.
  • Testimonials reflect the individual's opinion and may not be Illustrative of all individual experiences with Zip.