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Zip - Buy Now, Pay Later

Zip - Buy Now, Pay Later

Shop Now & Pay Over Time

846K ratings
3040 reviews
#47 in free Shopping
🛍️ Shopping
Free

Details

  • Released
  • Updated
  • March 3, 2019
  • August 4, 2026

Features

Developer

Zip Co US, Inc.
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Zip - Buy Now, Pay Later screenshot #6 for iPhone
📉no. 47
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❓5 answered
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About

Split purchases into 4 or 8 interest-free installments, paid bi-weekly. Use online or in-store with a virtual or physical card. Earn cashback and potentially increase spending power with on-time payments.

✓Split payments into 4 or 8 installments
✓Bi-weekly payment schedule
✓Virtual and physical payment cards
✓Cashback rewards
✓Potential for increased spending power
✓Flexible payment date changes
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What users say

Summarized from real user reviews of Zip. Based on 846K reviews and a 4.9/5 average, it highlights the 6 positives and 5 negatives reviewers mention most about this Shopping app.

Positive things

  • 💳Convenient payment option
  • 🤑Affordable payment plans
  • ⏰Flexible payment schedules
  • 🤝Helpful customer service
  • 🆙Increasing credit limits
  • 🏪Wide range of merchant partners

Negative things

  • 🐛Unreliable app performance
  • 🤔Unclear refund/return policies
  • 🤷‍♀️Inconsistent customer support
  • 🔒Security/account issues
  • 💰Unexpected fees/charges
See all reviews
+1

What's New in Zip

1.252.1

August 4, 2026

Bug fixes

Charts

Top Free

📉 47-1

Shopping

This app dropped -1 position in Shopping chart.

Last updated on August 8, 2026.

User reviews

Most RecentHighest RatedLowest Rated

Come in handy

Easy to use always comes in handy and are always raising the spending limit so long as you pay on time.
Ray_Man_This_Is_StanRay_Man_This_Is_Stan

Unable to even make an account.

So I got recommended Zip by a family member and I finally download it. Unfortunately however I can't even make an account because someone previously made an account with my phone number, I was hoping that there would have been an option to change that however, there wasn't.
The_BigRedThe_BigRed

Helpful

Helpful In the time of need and easy to use
Gods childalwaysGods childalways

Zip is Awesome!

Absolutely love the convenience of zip and how it’s helped me personally. Thank you!
Corra112Corra112

Beneficial

I have been using ZIP for about 2-3 years now and it can be a life saver at times. Ive referred it to a few of my friends and they find it very useful as well. Very easy and convenient to use at any time of day or night. More than pleased with its services and plan to continue using it!
KJs@87KJs@87
See 3035 more reviews

User experience

🐞

Reported Bugs

3 issues

Recurring payment issues

Bug

Incorrect order/purchase tracking

Bug

Delayed/missing refunds

Bug
✨

Requested Features

4 requests

Ability to make extra payments

Feature

Automatic credit limit increases

Feature

Improved in-store payment integration

Feature

Better communication on account changes

Feature

FAQ

What is Zip - Buy Now, Pay Later?

Zip is a service that allows you to split your purchases into multiple installments, typically 4 or 8, with payments due every two weeks. It aims to provide a flexible way to manage your spending both online and in physical stores.

How does Zip work?

You can use Zip to pay over time by splitting your order into installments. You can create a virtual card within the app for easy checkout or get a physical Zip Card. Payments are automatically scheduled every two weeks.

Is there a cost to use Zip?

While the app itself is free to use, there are origination fees associated with loans, which vary depending on the purchase price. These fees are prepaid as a finance charge. Specific APRs and fees are detailed during checkout.

Can I change my payment dates with Zip?

Yes, the app offers flexibility in changing your payment dates. This allows you to better manage your payment schedule and provides more breathing room in your budget.

What are the benefits of using Zip?

Benefits include splitting payments into installments, earning cashback on purchases, and the potential to increase your spending power with consistent, on-time payments. There are no hard credit checks, and it doesn't impact your credit score.