# Zip - Buy Now, Pay Later — Shop Now & Pay Over Time

> Buy now, pay later service splitting purchases into installments. (iPhone/iPad app by Zip Co US, Inc..)

- Source: https://appshunter.io/ios/app/zip-buy-now-pay-later/id1425045070 (this page in markdown: same URL + `.md`)
- Developer: [Zip Co US, Inc.](https://appshunter.io/developer/1425045069)
- Category: Shopping
- Price: Free
- Rating: 4.90/5 from 853,128 App Store ratings · 3,204 written reviews indexed
- Age rating: 17+
- Requires: iOS 15.1 · 143 MB
- Languages: American English
- Released: 2019-03-03
- Data updated: 2026-08-28
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/zip-buy-now-pay-later/id1425045070/reviews.md

## What is Zip?

With Zip, you can split your payments at your favorite brands, whether you shop online or in-store.¹

DIVIDE AND THRIVE
Zip lets you pay over time. Split your order into 4 or 8 installments, with payments due every 2 weeks.²³

PAY LATER WITH ZIP WHERE YOU WANT¹ — ONLINE OR IN-STORE
Install our app and use Zip pretty much anywhere¹ you shop. Create a virtual card in the app for fast, easy checkout with Apple Wallet or Google Pay, or get a physical Zip Card.¹

THE SMART WAY TO PAY
No hard credit checks and no impact on your credit score. We’ll remind you when installments are due so you’re on top of every payment.

CHANGE YOUR PAYMENT DATES
Greater flexibility in spending means more control over your payment schedule. Give yourself more breathing room with the Zip app.¹

EARN MORE SPENDING POWER
When you make consistent, on-time payments, you may become eligible for increased estimated spending power.⁴

EARN CASHBACK WHILE YOU SHOP
Pay with the Zip app to earn cashback on groceries, travel, and your favorite stores.⁵


Loans through Zip Pay Anywhere and Zip Checkout (including any “powered by Zip” loans) are originated by WebBank. All loans are subject to credit approval.

Eligibility criteria apply. See payment terms: Zip Loan Terms of Service | Zip. Loans to California residents, other than loans through the Zip Pay Anywhere and Zip Web Checkout, are made or arranged pursuant to a California Lenders Law license.
¹ Zip can only be used for US purchases. Certain merchant, product, goods, and service restrictions apply.
² For a $400 purchase, you’d make four $102 payments every two weeks starting today for a 34.75% annual percentage rate and a total of payments of $408. An $8 origination fee is charged at commencement and prepaid as a finance charge when you make your initial payment today. Origination fees vary and can range from $4.00 to $62.00 depending on the purchase price. Actual amount of fee for your purchase will be reflected in checkout. Estimation of installment payment and annual percentage rate excludes potential tax and shipping costs. Zip Pay Anywhere and Zip Checkout financing through Zip issued by WebBank. All loans subject to credit approval.
³ For a $400 purchase, you’d make eight $52.00 payments every two weeks starting today for a 29.55% annual percentage rate and a total of payments of $417. A $17 origination fee is charged at commencement and prepaid as a finance charge when you make your initial payment today. Actual origination fees vary and can range from $8 to $60 (30 – 35% APR) depending on the purchase price. Actual amount of fee for your purchase will be reflected in checkout. Estimation of origination payment and annual percentage rate excludes potential tax and shipping costs. Zip Pay Anywhere and Zip Checkout financing through Zip issued by WebBank. All loans are subject to credit approval.
⁴ Your Estimated Spending Power is a point-in-time estimate of how much you may be able to spend, is not guaranteed, and is impacted by a number of factors. Zip or WebBank may decrease your estimated spending power within its reasonable discretion, including where you have previously had an unpaid balance or an amount past due. Your estimated spending power is not an open line of credit. Each transaction is separately reviewed for approval. For additional details, please see the terms and conditions.
⁵ For full offer details and terms and conditions, visit https://zip.co/us/cash-back-tcs.

## Key features

- 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

## Chart rankings

- #47 in Top Free · Shopping (US App Store)

## What do users think of Zip?

Overall sentiment: positive

**Pros**

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

**Cons**

- 🐛 Unreliable app performance
- 🤔 Unclear refund/return policies
- 🤷‍♀️ Inconsistent customer support
- 🔒 Security/account issues
- 💰 Unexpected fees/charges

**Commonly reported bugs**

- Recurring payment issues
- Incorrect order/purchase tracking
- Delayed/missing refunds

**Most requested features**

- Ability to make extra payments
- Automatic credit limit increases
- Improved in-store payment integration
- Better communication on account changes

## Recent user reviews (10 of 3,204)

All indexed reviews: https://appshunter.io/ios/app/zip-buy-now-pay-later/id1425045070/reviews.md

### 5/5 — Get this!

*2026-08-19, version 1.252.1*

Always comes in handy in times of need just pay off in time and lucky increases happen.

### 5/5 — Thank you.

*2026-08-19, version 1.252.1*

Zip has help me, andEspecially when I need to pay later.

### 5/5 — Zip

*2026-08-19, version 1.252.1*

I love it it’s helped me out a lot.

### 5/5 — PatG.

*2026-08-19, version 1.252.1*

Love Zip!  Helps when you get into a little bind to pay a bill!  So easy and convenient!

### 5/5 — Awesome

*2026-08-19, version 1.252.1*

Best Buy Now, Pay later App

### 5/5 — Great card

*2026-08-19, version 1.252.1*

When you’re in a pinch, this is right

### 5/5 — Big help

*2026-08-19, version 1.252.1*

I like that I’m able to make bill payments even when money is tight

### 5/5 — Andreia

*2026-08-19, version 1.252.1*

The Zip app is a lot of help when it comes to paying my bills.

### 5/5 — Easy and affordable

*2026-08-19, version 1.252.1*

Very easy to use love Zip

### 5/5 — Legit

*2026-08-19, version 1.252.1*

This company carried me through some tough times and they didn't hound me when I was late on paybacks. Thanks zip!

## Frequently asked questions about Zip

### 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.

## Version history (last 5 releases)

### 1.253.5 — 2026-08-20

Bug fixes

### 1.252.1 — 2026-08-04

Bug fixes

### 1.251.1 — 2026-07-21

Bug fixes

### 1.250.4 — 2026-06-30

Bug fixes, performance improvements, and new features

### 1.249.5 — 2026-06-11

Bug fixes

## Apps similar to Zip

| App | Rating | Price | Category |
| --- | --- | --- | --- |
| [Afterpay: Pay over time](https://appshunter.io/ios/app/afterpay-pay-over-time/id1401019110) | 4.9 (752,441) | Free | Shopping |
| [Affirm: Buy now, pay over time](https://appshunter.io/ios/app/affirm-buy-now-pay-over-time/id967040652) | 4.9 (1,714,410) | Free | Shopping |
| [Four \| Buy Now, Pay Later](https://appshunter.io/ios/app/four-buy-now-pay-later/id1527063669) | 4.8 (112,121) | Free | Shopping |
| [Sezzle: Buy Now, Pay Later](https://appshunter.io/ios/app/sezzle-buy-now-pay-later/id1434922495) | 4.9 (298,479) | Free | Shopping |
| [Amazon Shopping](https://appshunter.io/ios/app/amazon-shopping/id297606951) | 4.8 (8,427,266) | Free | Shopping |
| [Temu: Shop Like a Billionaire](https://appshunter.io/ios/app/temu-shop-like-a-billionaire/id1641486558) | 4.7 (2,194,238) | Free | Shopping |

## Related topics

[zip](https://appshunter.io/ios/topics/zip) · [zip pay](https://appshunter.io/ios/topics/zip-pay) · [quad pay](https://appshunter.io/ios/topics/quad-pay) · [pay later card](https://appshunter.io/ios/topics/pay-later-card) · [pay later shopping](https://appshunter.io/ios/topics/pay-later-shopping) · [pay later paybills](https://appshunter.io/ios/topics/pay-later-paybills) · [pay later methods for shopping](https://appshunter.io/ios/topics/pay-later-methods-for-shopping) · [zip pay later](https://appshunter.io/ios/topics/zip-pay-later) · [payment plan](https://appshunter.io/ios/topics/payment-plan) · [buy now pay later shopping](https://appshunter.io/ios/topics/buy-now-pay-later-shopping) · [blimp pay](https://appshunter.io/ios/topics/blimp-pay) · [zip afterpay](https://appshunter.io/ios/topics/zip-afterpay) · [zip quadpay](https://appshunter.io/ios/topics/zip-quadpay) · [zipper](https://appshunter.io/ios/topics/zipper) · [zip mobile](https://appshunter.io/ios/topics/zip-mobile) · [zip bnpl](https://appshunter.io/ios/topics/zip-bnpl) · [zip payments](https://appshunter.io/ios/topics/zip-payments) · [buy now](https://appshunter.io/ios/topics/buy-now) · [sezzle](https://appshunter.io/ios/topics/sezzle) · [payment app plan](https://appshunter.io/ios/topics/payment-app-plan)

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-28.*