Zip - Buy Now, Pay Later

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.

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