How Zip Works

Browse and shop

Select Zip as your payment method at checkout.

Checkout in seconds

No long forms or impact on your credit score.

Enjoy your purchase!

Pay the first 25% upfront and the rest in 3 installments.

Late fees may apply, subject to eligibility. See complete US terms or Canada terms for more details. Est. payments on product pages exclude taxes, shipping and consumer fees added at checkout. Loans to California residents are pursuant to CFL license #60DBO-110414. Zip is the originator of all loans in CO, NV, MA, and MD. Where indicated, loans in other states are originated by WebBank. All loans subject to approval. Zip Co US Inc. ID 1963958 NMLS Consumer Access.

Frequently Asked Questions

1.What is Zip?

Zip allows you to split nearly any purchase into 4 installments over 6 weeks.

2.What information does Zip ask for?

Zip requires your legal name, address, date of birth, a US mobile number, and either a US debit or credit card to sign up.

3. Who can use Zip?

To create a Zip account, you must:

Live in the US.

Be at least 18 years old.

Have a valid and verifiable US mobile number.

Use a US credit or debit card to make a purchase.

Have a valid US mailing address.

We do not accept mailing (or billing) addresses that are APO, FPO, AE PO or PO Box.

4.How do I sign up?

At check out, click Zip as the payment option. This begins the account creation process.

5.Is there a service fee for using Zip?

Customers may be charged an installment fee as well as late fees, if applicable. For more information on ﬁﬁnance charges, please check out Zip’s Help Center

6.How can I check my Zip order or account information?

The best way to manage your order, change a payment date, and make a payment is in the Zip app . Alternatively, you can use the Zip Customer Portal .

Payments

When is my first payment due?

The first payment for your purchase is due when you check out on a merchant's website. The remaining payments will be billed automatically over time. You will be able to see your payment schedule prior to completion of your purchase.

Will I be notified before I am charged for a payment?

Yes! Zip notifies customers with reminders three days and one day before each payment is due, by SMS and email. Access the Zip app to see your payment due dates or update your payment method.

What if I have trouble paying?

Your payments are set to debit automatically on their due dates, but if you are having trouble paying you can potentially request a payment date change. Find out how in Zip's Help Center . If your payment method becomes invalid or expires or is unable to be processed, you may be charged a late fee. For more information on late fees, please go to Zip's Help Center . To avoid late fees, update your payment information in the Zip appor Customer Portal

How do I update my payment method (including existing orders)?

For more information about how to change your payment method, please go to Zip's Help Center.

Refunds

How do returns, refunds, and partial refunds work?

Follow all merchant return and refund information to complete your return. When Zip is notified of the return or refund by the merchant, Zip cancels all future payments and your account will be adjusted to reflect the amount paid to date.

In the event of a partial refund, scheduled payments are reduced or canceled first, and then paid installments are refunded to your original payment method.

For more information visit Zip Refunds.

For additional questions visit Zip Help Center.

Disclosures

1. For example, for a $335 purchase, you'd make four $85.25 payments every two weeks starting today for a 31.11% annual percentage rate and a total of payments of $341. A $6 installment fee is charged at commencement - you pay $1.50 of this fee as a prepaid finance charge when you make your initial payment today. The remaining $4.50 is included in your future payments. Actual installment fees vary and can range from $0 to $7.50 depending on the purchase price and Zip product used. Actual amount of fee for your purchase will be reflected at 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 are subject to credit approval.

2. A fee may apply for payment date changes. Eligibility criteria apply. See payment terms: Zip Loan Terms of Service | Zip, previously Quadpay.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. Loans through Zip Pay Anywhere and Zip Web Checkout (including any "powered by Zip"loans) are originated by WebBank.

Customer Service

If you have any other questions, or want to get in touch with us click here .

Please see here for our Terms of Service and Privacy Policy .

PLEASE NOTE

If you don’t have sufficient funds available on your payment card or you otherwise do not make your payment when it is due, late fees may apply. See here for more details.

Zip is not available on purchases of gift cards. If you are purchasing gift cards along with Zip eligible products, please make sure you place two separate orders.