Buy Now. Pay Later.

Split your purchase on into equal payments.

Zip gives you the freedom and flexibility to get what you want now and pay later.

How it Works

Step 1

Choose Zip as a payment method at checkout. No long forms or hard credit checks required, just instant approval.

Step 2

Checkout using a credit or debit card. The first payment of your order total is charged at the time of purchase.

Step 3

Pay the rest in 3 equal installments that are billed automatically over 6 weeks.

Step 4

Get your tires installed and hit the road today!

Frequently Asked Questions


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


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 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, except for Zip-originated loans in CO, NV, MA, and MD. All loans are subject to credit approval.

Zip requires your legal name, address, date of birth, a US mobile number, and either a US debit or credit card to sign up. Heads up, Zip requires a mobile phone number and text message verification to log-in, instead of a traditional username and password.

To create a Zip account, you must:

  • Live in the US & have a valid US mailing address
  • 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
At check out, click Zip as the payment option. This begins the account creation process.

Customers may be charged finance charges, late fees, and convenience fees if applicable. Zip's Help CenterFor more information on finance charges, please check out .

The amount you can spend with Zip at checkout varies by merchant.

If you’re using the Zip app to shop in-store, you can use Zip for purchases of $35 or more. To check your estimated Zip spending power, visit the Zip app. For more information about your spending power, please check out Zip’s Help Center.

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 customer portal.


Your 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.


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.

Of course. If you want to make a payment, log into the Zip app or customer portal, select the orders tab and choose the payment you want to make early.

For more information about how to make an early payment, please go to Zip’s Help Center.

Yes! Each customer has an estimated spending power they can use to make purchases. Your spending power is not an open line of credit. Each transaction is separately reviewed for approval. Existing orders are subtracted from your spending power to show the available spending power you have to make purchases with Zip.

Your payments are set to debit automatically on their due dates, but if you are having paying you can potentially request a payment trouble 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 app .

All payments for your order will debit from the payment method you used to check out with initially.

If you need to change your payment method for future payments on an order, you can go to account information in the Zip app. For more information about how to change your payment method, please go to Zip's Help Center.


Follow all return information to complete your return. When Zip is notified of the return/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/canceled first, and then paid installments are refunded to your original payment method.

For more information visit Zip Refunds.

When returning an order or item in-store, you need to return the purchase total to your Zip Virtual Card. Zip app To do so, open the and tap orders at the bottom of your screen.

Next, select the order or order that contains the item you are returning, choose “details” on the top right. This will open the card information needed by the store associate to refund back to your original form of payment.

Please note: Zip CANNOT PROCESS A REFUND if the merchant issues the refund amount to any other form of payment outside of Zip. Zip can only process refunds issued to the Zip Virtual Card used for an order. If a merchant issues a refund to another form of payment, you will still be responsible for paying off your order and making the remaining payments. Zip's Help Center For more information about refunds, check out .

For additional questions visit Zip Help Center.

Loans through the Zip checkout are originated by WebBank, except for Zip-originated loans in CO, NV, MA, and MD.

Loans to California residents, other than loans through the Zip App, Zip checkout, and Zip Card, are made or arranged pursuant to California Lenders Law license.


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