I love Zip
I’ve been using Zip for a while now I love the fact how they don’t penalize you tremendously for a late payment. I really appreciate this app. This has helped me get things for my new born and etc.. I will forever use Zip help me pay bills most importantly that’s my favorite part about this app and it has so many options. This is great for holidays , birthdays this app is truly a blessing honestly 100 stars 💕💕💕 there’s so much more I can say about the out app honestly but I’m sure you get the point and I’ve been using this app for almost a year now. I can say I have spent over 5000, with this company! Zip has helped me through hard times by being able to make split payments biweekly, etc. oh, you also can reschedule a payment a day or sooner before the payment is due if you need to reschedule I also love that option. I had to use it a few times. you won’t be able to make another purchase until payment due is paid, but I am absolutely OK with that option when I needed it. I feel that this app is perfect for me. I like how they work with you. They don’t just kick you off if you’re late one time like other apps, this app is game changer honestly
Show less
Response from developer
We're thrilled to hear about your great experience with Zip! Our top priority is ensuring seamless and hassle-free purchases for our customers. If you have any questions, feel free to contact our team directly at us-appreviews@care.zip.co. We're here for you and ready to assist! 💜
Review for Zip
I couldn’t really afford the high priced oil change my vehicle requires but I couldn’t put it off either, I saw the banner at Take 5. I wasn’t able to use it there since I had just downloaded it and hadn’t got to really read how it worked and the techs weren’t sure and were very busy. So I paid with my own card, ouch!! But WAL-MART accepts it, so I was able to get groceries, at least. Still unable to do an on-line pick up at store order, due to Walmart charging a ‘temp hold’ on things that weigh or any subs they make, I went in. I chose self check out, nervous this might not work and saving more embarrassment. It took me over 10 minutes the first time but finally an associate came over and was familiar and she just popped right through it. I’ve got it now and after all that, it’s not that hard. It does take just a couple more minutes at a check out line but I feel the more I use it, the easier and faster it will get. It’s a great way to get you through a few days’ crunch and I intend on using it often, saves you from ‘robbing Peter to pay Paul’, if you will. Thank you for providing this source and I’ve already told my family and some friends about it that share the same frequent money issues. It can be a real lifesaver.
Show less
Response from developer
Thank you for sharing your positive experience with Zip, Teri! We are thrilled to hear that you found our payment solution convenient for you. Our top priority is ensuring seamless and hassle-free purchases for our customers. If you ever have questions, please don’t hesitate to reach out at us-appreviews@care.zip.co. We’re here to help! 💜
ZIP has saved me more than any other
I’ve been w/ZIP for years! This is the #1 app!! I have referred ZIP to Friends/Family more than Any app out there. One friend didn’t believe me thinking it was all too Good to be true. She had said “I cant get anything! I don’t have bad credit.. I just don't have Any credit” I told her Credit has nothing to do w/ ZIP app, long as you have a reoccurring deposit to pay back. I was so confident I told her “IF ZIP won’t pay then ‘I’ will pay for your order” {yea then I 😬 🙏 awaiting for ZIP reply} Thank God once again ZIP did Not let me down! My friend was approved😃 There’s one thing to be careful of IF you’re paid Monthly vs. Bi-Weekly~ ZIP automatically Withdrawals their payments every 2weeks {ZIP gives a Schedule w/ the dates of payments for your Agreement} In my case~ on payday I make (2) payments or I pay all Installments in FULL. This actually helps my Credit. After you pay back 4 or 5 purchases on time~ZIP increases your loan! This is a Great feature I dont think any other app {sezzle, afterpay etc} has w/incentives like this..
Don’t forget to Download your ZIP card to Apple Pay! I was hours away from home & realized my Grand daughter obviously played/hid my Debit cards because not 1 was in my Wallet😳😓 I had to use my ZIP card in my Apple Wallet to buy Gas to get us home🙏 Another time I used my ZIP to pay for a Prescription that was way too expensive. Thank You ZIP for saving my 🍑 more than I can count!!
Don’t forget to Download your ZIP card to Apple Pay! I was hours away from home & realized my Grand daughter obviously played/hid my Debit cards because not 1 was in my Wallet😳😓 I had to use my ZIP card in my Apple Wallet to buy Gas to get us home🙏 Another time I used my ZIP to pay for a Prescription that was way too expensive. Thank You ZIP for saving my 🍑 more than I can count!!
Show less
Response from developer
Thank you for taking the time to share your positive experience with Zip! We are thrilled to hear that you found our payment solution convenient and user-friendly. We are committed to providing our customers with a reliable and trustworthy service, and we're glad that we were able to meet your expectations. It is such a privilege to have you being a part of the Zip community. If you have any questions, feel free to contact our team directly at us-appreviews@care.zip.co. We're here for you and ready to assist! 💜
Zip is Legit!
If you are familiar with this app and the avenues, it gives you to purchase the things that you like the most from the vendors you love them most. The payment plans in the agreements are feasible and easy to understand and use I give kudos to the developers of this app and the company for making this app user-friendly and not a lot of jargon to absorb in the financing area. But there was one thing I could point out though, Zip does a hard inquiry on your credit score. And that information is what they use to give you the right credit amount within their app to use for yourself . there’s pros and cons to everything. On the upside, Zip does remain transparent throughout the whole purchase process. What you see is what you get. And Zip is a very good job of making that happen and helping you get what you want, evidently their platform works, and as you can see from the array of major retailers, you get to choose from they have established a great relationships with Zip for your enjoyment and benefit while shopping made easy . Especially take this into consideration in the next couple months when the holiday season is in full swing this will be my number one app to go to for my gifts, sweets, and stocking stuffers to keep my gifts, discreet, and the surprises and smiles, even bigger or Christmas Day. Get the app it’s worth it.
Show less
Response from developer
We appreciate your thorough review and are delighted to hear about your positive experience with Zip! It's fantastic that you find our payment plans feasible and our app user-friendly. We'd like to clarify that when applying for Zip, a soft credit inquiry is performed, which does not impact your credit score. If you have any further questions, don't hesitate to reach out to us at us-appreviews@care.zip.co. Thank you for highlighting our transparency and the wide array of major retailers available. We're here to make your holiday shopping enjoyable and convenient. Happy shopping with Zip, and we look forward to serving you during the festive season! 💜
Terrible customer service!
Been a customer with them for about 2 years + and suddenly they canceled me for filing a dispute with a merchant I used through them then hit me with a Experian page and message saying “unfortunately we can’t approve you for access to Zip today” as if they suddenly do credit checks which I don’t remember them doing. How can’t y’all approve me for something I’ve been a customer of for more than 2 years?! I never received my item so why is that my fault and I still have to pay for something I didn’t receive?! Besides that I been reaching out to customer support numerous times trying to see if there’s anyway I can get my account back now that the dispute is done and haven’t heard anything back. All I got was a support agent telling me about my dispute and when I asked for further explanation he just stopped replying. Yet I still have to pay my other orders which is fine, but if I’m gonna continue getting billed and getting emails about when my zip pay is due then at least let me have my account back so I can continue service with you guys! Trust me I have Klarna and Afterpay as well but they don’t offer the wide variety of merchants Zip does. I sent out a follow up email to customer support and still nothing smh.
Show less
Response from developer
Thank you for your review. We are so sorry to hear your experience hasn't been as expected. If there is anything specific we can help with, please let us know at us-appreviews@care.zip.co (mailto:us-appreviews@care.zip.co).
Great App and Customer Service
I started using the app when it was still Quad Pay a few years ago to mostly make small purchases on clothing for work or expensive Sushi delivery. But as the years have gone by, I’ve used it for everything even an Airbnb vacation in Puerto Rico. I absolutely love it. I get frequent reminders about upcoming payments so it’s virtually impossible to forget. The platform is extremely user-friendly, and if there are any questions I have about payments that didn’t charge correctly, (Wayfair sends the order in segments, and often only charges for what is being shipped at the time) I am met with an extremely helpful and professional service representative. I’ve been paying on time for years and I have over $800 in credit I can spend and pay back in 4 installments. I love this app so much, I can’t stress enough how helpful it’s been for someone like me that makes under $50,000 a year. Can’t wait until on-time payments are reported to the credit bureau to help boost my FICO score.
Show less
Not the best app/customer service for returns
This app is honestly great if you’re in a bind and need an affordable payment plan that’s not like a credit card.
The only downside is I’ve used Affirm, Afterpay, Klarna and Zip pay. Out of all these apps Zip pay was rated lowest on my list due to their return reported system. I had reported a return on something I purchased and so they moved my second payment date on top of the same day as my third payment instead of just shifting the timeline down altogether. I’ve done returns with the other apps and that is usually the standard. Once I reached out about it they said there’s nothing they could do and changed the timeline for a separate purchase I made which was completely unnecessary seeing as that’s the one I didn’t reach out about. All in all, after messaging around I was able to get it resolved. I would say they should just update the way they process returns. Klarna does good at just pausing the timeline of payments in its entirety until the refund is received which helps them figure out my new remaining balance. Something to think of.
The only downside is I’ve used Affirm, Afterpay, Klarna and Zip pay. Out of all these apps Zip pay was rated lowest on my list due to their return reported system. I had reported a return on something I purchased and so they moved my second payment date on top of the same day as my third payment instead of just shifting the timeline down altogether. I’ve done returns with the other apps and that is usually the standard. Once I reached out about it they said there’s nothing they could do and changed the timeline for a separate purchase I made which was completely unnecessary seeing as that’s the one I didn’t reach out about. All in all, after messaging around I was able to get it resolved. I would say they should just update the way they process returns. Klarna does good at just pausing the timeline of payments in its entirety until the refund is received which helps them figure out my new remaining balance. Something to think of.
Show less
Predatory Lending Services
Update: This app continues to get worse and Zip is about as predatory as lenders can be. Had a loan payment due on 6/28 and everything seemed fine. Until I get an email on 6/29 stating that my loan is now in default and that I’m being charged $7 in late fees on a $17 charge because it was one day late. If Zip had sent me an email when the payment didn’t go through I could have corrected it, instead they waited until the next day to notify me that the payment hadn’t gone through and that I was being charged extra because it was over 24 hours late.
Previous: Can’t even use the app because of some sort of recent glitch where it won’t allow me to request a new virtual card. It keeps trying to make me use a card that was assigned and used a week ago and has no balance left. Can’t cancel the card, can’t request a new one, basically can’t use the service. Customer service is useless as well. They have two options: Live Chat and send a message, live chat takes 24+ hours to get a response, and if you don’t respond in 5 minutes after waiting 24 hours, they close the ticket. If you use the email feature, you’ll never hear back. It’s been 3 days now since I’ve tried getting this fixed and it’s clearly not something they care about. Just deleting the app, there’s too many competitors out there that offer a service that actually works.
Previous: Can’t even use the app because of some sort of recent glitch where it won’t allow me to request a new virtual card. It keeps trying to make me use a card that was assigned and used a week ago and has no balance left. Can’t cancel the card, can’t request a new one, basically can’t use the service. Customer service is useless as well. They have two options: Live Chat and send a message, live chat takes 24+ hours to get a response, and if you don’t respond in 5 minutes after waiting 24 hours, they close the ticket. If you use the email feature, you’ll never hear back. It’s been 3 days now since I’ve tried getting this fixed and it’s clearly not something they care about. Just deleting the app, there’s too many competitors out there that offer a service that actually works.
Show less
Response from developer
We sincerely apologize for the troubles you've had within our app. We recently released a new version of the app that should correct this. When you have a moment, please update the app in the App Store. If you continue to run into issues, please let us know at us-appreviews@care.zip.co and someone from our team will be sure to follow up ASAP.
Love it!!
I normally hate shopping because of the time you have to invest in it as well as the money. Zip takes all the anxiety out with clear terms and limits. I started with a small purchase just to test the waters but I plan on using the app/service to help align my monthly bills as much as possible because my due dates are literally all over the place throughout the month and I find myself spending more time managing my bills so I don’t miss due dates than I do actually enjoying the things I’m paying for! I know everyone says, “I never write reviews but…” and I’m going to say it too because I have only submitted a few reviews for apps/products and it was solely for the purpose of telling others to avoid whatever it was or how awful it was. I am not an authority on shopping or apps but I do know what a relief it is to have an app/service work EXACTLY the way it is supposed to work. Hopefully this review helps someone decide to try the app out because I am the type of person who will always read reviews from consumers if they are available.
Show less
Convenient Christmas
I definitely wanted to leave this review Zip started out with problems couldn’t get it to work they finally got it fixed to do with you purchases paid ahead of time I’m Leica merchants dream pair I pay ahead of time pay it off early go onto the next purchase. Then started giving me problems where both my phone numbers were connected to somebody else’s account. Took a while to get that corrected it wasn’t until I was completely locked out of my own phones but one of the agents said well can’t you get access to another phone number? What?!! What?!! I pay a phone bill every month so someone can use my numbers?! instead of removing my numbers from somebody else’s account. Now… conveniently I can’t make purchases at all …because they saw a “suspicious activity” (haven’t done anything different other than what they’ve advised me) to do and I can’t utilize Zip for Christmas so yeah how convenient is that?!!! my account is under review for suspicious activity huh… haven’t done anything it a sagging thing !!!…but I can’t use it either! so just too bad pretty much that’s what they’re saying. After this huge stunt …I’ll pay off my debts and shake the dust off my feet. People in my household won’t get gifts for Christmas they will have to wait. Zip doesn’t care!! Well I don’t care how many people turn away because of my review!!
Show less
