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Zip - Buy Now, Pay Later

Zip - Buy Now, Pay Later

Shop Now & Pay Over Time

880K ratings
3655 reviews
#42 in free Finance
💰 Finance
🛍️ Shopping
Free

Details

Released
March 3, 2019
Updated
October 19, 2026

Features

Background Location Access

Developer

Zip Co US, Inc.
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📉no. 42
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Reviews summary↘︎
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🔄6+ apps
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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
Show original description

What users say about Zip

Reviews of Zip are mostly positive: the Finance app is rated 4.9/5 from 880K App Store ratings. What users like most: convenient payment option, affordable payment plans. Top complaints: unreliable app performance, unclear refund/return policies. Summarized from real user reviews.

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

What's New in Zip

1.257.4

October 19, 2026

Bug fixes

Charts

Top Free

📉 42-1

Finance

This app dropped -1 position in Finance chart.

Last updated on October 26, 2026.

User reviews

Most RecentHighest RatedLowest Rated

Love it!

I’ve been able to get so many things and so much done!!! I furnished my whole house with this card!!!
WPWinnie the Pooh90

The best

Love it
GGingerFreckles07

Review

I was low on cash and need to pay my phone bill thank zip
S1Sexy women queen 1

Happy customer

I love this app. It's convenient and a very helpful.
Vviccor49

Awful CS

If a vendor doesn’t send your purchase they favor the vendor in disputes and make you continue payments or face penalties even with proof of product never shipping
BBadnewsbabe
See 3650 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.