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Payment Experiences

Zip can only be used for US purchases. Certain merchant, product, and services restrictions apply. A fee may apply for payment date changes. Displayed estimated spending power is for representative purposes only. 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. 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. For full offer details and T&Cs for cashbacks, visitZip Cash Back Terms. For full details, visit Refer a Friend.

Testimonials reflect the individual's opinion and may not be illustrative of all individual experiences with Zip.

Example Loan Calculations:

For a $335 purchase, you'd make four $85.25 payments every two weeks starting today for a 31.11% annual percentage rate (APR) and total 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.
For a $400 purchase, you'd make eight $52.13 payments every two weeks starting today for a 31.66% APR and total payments of $417. A $17 installment fee is charged at commencement – you pay $2.13 of this fee as a prepaid finance charge when you make your initial payment today. The remaining $15.87 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. The actual amount of the fee for your purchase will be reflected at checkout. The estimation of installment payment and APR excludes potential tax and shipping costs.

Zip Pay Anywhere and Zip Checkout financing through Zip is issued by WebBank. All loans are subject to credit approval.