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Zip - Buy Now, Pay Later

Zip - Buy Now, Pay Later

Shop Now & Pay Over Time

872K ratings
3548 reviews
#45 in free Finance
💰 Finance
🛍️ Shopping
Free

Details

  • Released
  • Updated
  • March 3, 2019
  • October 5, 2026

Features

Background Location Access

Developer

Zip Co US, Inc.
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Zip - Buy Now, Pay Later screenshot #1 for iPhone
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Zip - Buy Now, Pay Later screenshot #6 for iPhone
📉no. 45
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Reviews summary↘︎
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🔄6+ apps
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❓5 answered
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📦~ in 2 weeks
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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

Summarized from real user reviews of Zip. Based on 872K reviews and a 4.9/5 average, it highlights the 6 positives and 5 negatives reviewers mention most about this Finance 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

1.256.7

October 5, 2026

Bug fixes

Charts

Top Free

📉 45-1

Finance

This app dropped -1 position in Finance chart.

Last updated on October 10, 2026.

User reviews

Most RecentHighest RatedLowest Rated

Convenient and Easy to use

Love, it, low charges and lots of credit power when always pay on time!
LeitandchocoLeitandchoco

Lifesaver

Literally use it pay rent, get groceries etc !! Thank yall
Niece niecesNiece nieces

ZIP You’re AMAZING

I absolutely love love ZIP, it’s very convenient for almost everything including “gas” people!!! I mean what’s better than that with these high prices today?! I’ll wait! They’re reasonable, they break the payments up for you to pay over time which absolutely works for me!!! I recommend 1000%
DanninucoleDanninucole

A life saver

Has been very helpful
Strawberry shortcake 47Strawberry shortcake 47

Zip Now - Pay Later

I love that this option is available! With the recent increase in Entergy Bills, this tool was helpful
BlackButterfly91BlackButterfly91
See 3543 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.