Zip - Buy Now, Pay Later
Screenshots
Description
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.
What's New
Bug fixes
Details
- Developer
- Zip Co US, Inc.
- Main Category
- Shopping
- Version
- 1.249.5
- Version Release
- 2026-06-11
- Initial Release
- 2019-03-03
- Size
- 155 MB
- Age Rating
- 17+
- Price
- Free
- Languages
- EN
- Bundle ID
- com.quadpay.mobile-app
- Version Rating
- ★ 4.93 (824,719)
- First Seen
- 2026-05-28
Metadata updated 2026-06-14
Rank History
Free · Max 90 days · Top 5 categories shown (Y-axis: rank, lower is better)
Free Rankings
Paid Rankings
No rankings
Competitive Benchmark — Shopping Top 10
What it takes to beat this app — comparison with the category's top apps. The orange row is the current app.
| # | App | Price | Rating | Ratings | Langs | Last Update |
|---|---|---|---|---|---|---|
| 1 | Whatnot: Shop, Sell, Connect | Free | ★ 4.75 | 853,385 | 4 | 2026-06-11 |
| 2 | Depop - Buy & Sell Clothes | Free | ★ 4.81 | 862,624 | 1 | 2026-06-10 |
| 3 | Temu: Shop Like a Billionaire | Free | ★ 4.67 | 2,137,558 | 50 | 2026-06-14 |
| 4 | Walmart: Shopping & Savings | Free | ★ 4.82 | 17,506,954 | 2 | 2026-06-11 |
| 5 | SHEIN - Shopping Online | Free | ★ 4.70 | 2,620,642 | 31 | 2026-06-13 |
| 6 | Shop: All your favorite brands | Free | ★ 4.81 | 6,972,638 | 4 | 2026-06-09 |
| 7 | Vinted: Pre-loved marketplace | Free | ★ 4.83 | 84,706 | 21 | 2026-06-08 |
| 8 | Amazon Shopping | Free | ★ 4.83 | 8,391,398 | 25 | 2026-06-12 |
| 9 | Rips by Triumph | Free | ★ 4.68 | 97,441 | 1 | 2026-05-25 |
| 10 | Costco | Free | ★ 4.86 | 1,239,412 | 2 | 2026-06-10 |
| 52 | Zip - Buy Now, Pay Later | Free | ★ 4.93 | 824,719 | 1 | 2026-06-11 |
User Reviews
Zip is the ultimate shopping app. hands down! It makes purchasing convenient and affordable.
Easy access, flexible
Zip saved my daughter’s birthday-Money was tight and I had bills to pay and a birthday to give my two year old daughter. Zip helped to be able to get the presents she wanted and still be able to pay my bills on time. Thank you!
I was at my literal last $20 .. but thanks to the 4 installments I was able to get gas and a lil groceries to cook with .. so they definitely saved the night for my family, many nights !
Love it here!!!
ZIP really comes in clutch and it’s super easy to use!
Been using this app forever now and all of the sudden they’ve stopped accepting chime for whatever reason and now I’ve lost all of my spending power and can’t even pay off the last of my installments. Not sure why you would stop accepting one of the most popular banking services but now this app is pretty much useless, thanks so much
My experience with Zip's customer service has been extremely disappointing. I discovered a charge that I did not recognize and, believing it might be fraudulent, filed a dispute with my bank. Later, I learned that the charge was from Zip and was informed that Zip sometimes combines multiple payments into a single charge without clearly explaining this process to customers. Once I realized what happened, I immediately worked with my bank to resolve the issue. The dispute was canceled, the matter was reversed, and I provided Zip with documentation and screenshots confirming this. Despite providing proof, Zip continues to treat the issue as if it is still an active dispute. What has been most frustrating is the lack of accountability and urgency in resolving the matter. Instead of reviewing the evidence and correcting the issue, I have been repeatedly redirected and told to contact different departments. As a customer whose account is in good standing and whose payments have always been made on time, I expected much better treatment. I have acted in good faith throughout this process, but I do not feel that Zip has shown the same commitment to resolving the issue. The poor communication, lack of transparency, and inability to promptly address a documented problem reflect poorly on their customer service. Customers should not have to repeatedly prove the same facts or fight to have an issue corrected after providing clear evidence. I hope Zip improves its dispute resolution process and empowers its support team to actually resolve customer concerns instead of passing them from one channel to another. If zip fix the matter i will edit my review and star
To those that need something but have half only? Man they have that option too!!
1000% LOVE ZIP!!
Reviews are collected only for apps with detected changes (new entries or sharp risers).