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.
Summarized from real user reviews of Zip. Based on 853K reviews and a 4.9/5 average, it highlights the 6 positives and 5 negatives reviewers mention most about this Shopping app.
1.253.5
August 20, 2026
Bug fixes
3 issues
Recurring payment issues
Incorrect order/purchase tracking
4 requests
Ability to make extra payments
Automatic credit limit increases
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.
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.
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.
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.
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.
