{"app_store_id":1425045070,"slug":"zip-buy-now-pay-later-1425045070","name":"Zip - Buy Now, Pay Later","subtitle":"Shop Now & Pay Over Time","icon_url":"https://is1-ssl.mzstatic.com/image/thumb/Purple221/v4/71/ab/ec/71abec81-23f4-b8b6-84c0-379bf04ed06d/AppIcon-0-0-1x_U007emarketing-0-8-0-85-220.png/512x512bb.jpg","store_url":"https://apps.apple.com/us/app/zip-buy-now-pay-later/id1425045070?uo=4","price":0,"currency":"USD","rating":4.92746,"rating_count":877736,"in_app_purchases":false,"recent_rating":4.5,"recent_review_count":20,"reviews_checked_at":"2026-10-20T11:04:11.593Z","primary_genre":"Finance","version_date":"2026-10-19T16:02:27Z","updated_at":"2026-10-20T11:04:11.593Z","stale":false,"missing_since":null,"one_liner":"Splits purchases into 2, 4, or 8 installments, usable online and in-store where Visa is accepted, with bill splitting.","verified_maker":false,"maker_site":null,"file_size_bytes":170074112,"minimum_os":"15.6","content_rating":"17+","language_count":1,"screenshots":["https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/84/db/ed/84dbede0-f1bc-b4b0-fc0f-555d5b92b6c9/03786890-3f0d-447c-90a1-6c96ed07b24e_App_Store_5.5_1.png/392x696bb.png","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/a8/64/d3/a864d39c-3953-c8ea-0f2e-c617c462d405/e47569f1-cf85-4876-8207-06b5750c5c60_App_Store_5.5_2.png/392x696bb.png","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/c1/47/e7/c147e78b-a169-8ded-a349-ef04cfbdd50f/ad158e73-8dc5-49ca-b214-87f6eb99185f_App_Store_5.5_3.png/392x696bb.png","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/7d/03/00/7d03001d-cd1a-e7fa-2072-7b72107e123d/f9488a71-e899-48c6-b9e7-56978d85f947_App_Store_5.5_4.png/392x696bb.png","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/ab/ed/ce/abedce54-00b0-3d19-a3db-9d0e67fadc30/bd26d920-4f20-424e-89e3-5f6b01ccbbbc_App_Store_5.5_5.png/392x696bb.png","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/b1/0b/6a/b10b6af0-998e-5353-4bfc-e48c9fee4d5a/61f958b8-3a6c-4511-8900-7e33f120a937_App_Store_5.5_6.png/392x696bb.png"],"developer_name":"Zip Co US, Inc.","editors_choice":false,"url":"https://apptierlist.com/apps/zip-buy-now-pay-later-1425045070/","api_url":"https://apptierlist.com/api/v1/apps/zip-buy-now-pay-later-1425045070","schema_version":"1.0","generated_at":"2026-10-21T17:42:02.514Z","data_as_of":"2026-10-21T07:07:13.353Z","description":"Buy now, pay later nearly anywhere with Zip.\n\nSplit purchases into 2, 4, or 8 flexible installments with the buy now pay later app built for real life: everyday expenses, unexpected bills, big purchases, hotels, flights, and more.\n\nNo hard credit check, and no impact on your credit score.\n\nBUY NOW, PAY LATER NEARLY ANYWHERE\nPay with Zip online and in-store almost anywhere Visa is accepted.\n• Flights\n• Hotels\n• Gas\n• Groceries\n• Bills\n• Major retailers\n• Neighborhood shops and local businesses\n• Online checkout or in person\n\nBuy now pay later nearly anywhere Visa is accepted with a Zip virtual card.\n\nSPLIT IT INTO 2, 4, OR 8\nChoose the payment schedule that fits your budget. Buy now, and pay later in two-week installments.\nPay in 2: Two payments, fastest payoff\nPay in 4: Four payments, the most popular plan\nPay in 8: Eight payments, smaller amounts over more time. Great for bigger purchases.\n\nBUY NOW PAY LATER IN-STORE\nBuy now pay later right at the register with Zip. Just open the app, generate a virtual card, and add it to Apple Wallet or Google Pay to tap to pay.1\n\nPrefer plastic? Order a physical Zip card and use it at the register like any other card.\n\nNO HARD CREDIT CHECKS\nZip never runs a hard credit check, so applying and paying over time won't hurt your credit score. Installment reminders are sent automatically, so you can stay on track easily.\n\nFLEXIBLE PAYMENT DATES\nPayment schedules can shift when life does. Reschedule an upcoming installment for more breathing room.\n\nSTAY ON TOP OF YOUR BILLS\nAdd bills to the app and split them into manageable payments, from electric and water to phone, internet, and streaming subscriptions. Track what's due and get reminders before every payment, so nothing slips through the cracks.\n\nGET APPROVED IN MINUTES\nCheck your eligibility for Zip's buy now pay later app in minutes and get an instant decision, so you can start shopping and paying over time quickly.\n\n1For example, a $1,100 purchase could be split into 2 payments of $553.75, with the first payment due today ($7.50 origination fee, representing a 35.70% APR with total of payments $1,107.50) or a $400 payment could be split into 4 biweekly payments of $102 with the first payment due today ($8 origination fee, representing a 34.75% APR with total of payments $408).  For a $400 purchase, you could make 8 payments of $52.37 with the first payment due today ($18.97 origination fee, representing a 34.99% APR with total of payments $418.97). Not all customers qualify for all repayment options. Different repayment options may result in different APRs for the same purchase amount. Origination fees are prepaid as a finance charge with the first payment. Actual fees vary by purchase amount (e.g., $0.50–$124.00) and will be shown at checkout. Examples exclude taxes and shipping. Financing through Zip, issued by WebBank. Zip may be used only for U.S. purchases, and certain merchant, product, goods and service restrictions apply. All loans subject to credit approval. \n\n2Displayed 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. Zip or WebBank may decrease your estimated spending power within its reasonable discretion, including where you have previously had an unpaid balance or have 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.\n\n3Zip can only be used for US purchases. Certain merchant, product, goods, and service restrictions apply.\n\n4A fee may apply for payment date changes.\n\n5This card is issued by Celtic Bank pursuant to a license from Visa U.S.A. Inc.\n\nAI-generated imagery.","facts":{"developer_id":1425045069,"developer_url":"https://zip.co/us","first_released":"2019-03-03T21:19:45Z","support_url":"https://help.us.zip.co/hc/en-us/","privacy_url":"https://www.quadpay.com/privacy-policy/","website_url":"https://zip.co/us","app_version":"1.257.4","release_notes":"Bug fixes","rating_current_version":4.92746,"rating_count_current_version":877736,"star_counts":[7055,1773,4493,20837,838982],"genres":["Finance","Shopping"],"languages":["EN"],"content_advisories":["Unrestricted Web Access"],"device_families":["iphone","ipod"],"chart":{"name":"top-free Finance","position":43}},"freshness":{"apple_read_at":"2026-10-20T11:04:11.593Z","catalog_read_at":null,"reviews_checked_at":"2026-10-20T11:04:11.593Z","summary_written_at":"2026-10-17T15:30:13.890Z","placed_at":"2026-10-09T03:59:53.925Z","scored_at":"2026-10-21T07:07:13.353Z"},"editorial":{"one_liner":"Splits purchases into 2, 4, or 8 installments, usable online and in-store where Visa is accepted, with bill splitting.","what_is":"Zip is a buy now, pay later app listed under Finance that lets users split purchases into 2, 4, or 8 installments, paid in two-week intervals. It can be used online or in-store through a virtual card added to Apple Wallet or Google Pay, or a physical Zip card, and it also lets users split bills into payments with reminders.","good_for":["Splitting a large purchase into scheduled payments","Paying for flights, hotels, or everyday expenses over time","Breaking up bills like utilities or streaming subscriptions into installments"],"pricing":"Zip - Buy Now, Pay Later is free, with no in-app purchases on the App Store.","faq":[{"q":"Does using Zip affect my credit score?","a":"The listing says Zip never runs a hard credit check, so applying and paying over time won't hurt your credit score."},{"q":"Where can I use Zip?","a":"The listing says Zip can be used online and in-store almost anywhere Visa is accepted, and only for U.S. Purchases, subject to certain merchant, product, goods and service restrictions."},{"q":"What fees or interest apply?","a":"The listing gives examples with origination fees and APRs, for instance a $400 purchase split into 4 payments with a $8 origination fee and 34.75% APR. Actual fees vary by purchase amount and are shown at checkout."}],"model":"claude-haiku-5-5","created_at":"2026-10-17T15:30:13.890Z"},"memberships":[{"list":"buy-now-pay-later","list_name":"buy now pay later","list_status":"active","list_url":"https://apptierlist.com/best/buy-now-pay-later/","position":7,"tier":"A","score":87.4,"components":{"rating":98.5,"votes":99.4,"rank":51.6,"recency":100},"status":"active","review_status":"checked","list_ranking_status":"ranked","confidence":"normal","judged_at":"2026-10-09T03:59:53.925Z"}],"main_list":"buy-now-pay-later","claim":{"status":"none","verified":false,"site_url":null,"verified_via":null,"verified_domain":null},"history":[{"id":119082,"at":"2026-10-16T03:55:51.872Z","kind":"tier_changed","list":"buy-now-pay-later","app_store_id":1425045070,"app":"zip-buy-now-pay-later-1425045070","from":null,"to":"A","reason":"checked from the list's side: ranked #6","job":"rescore"},{"id":105555,"at":"2026-10-15T14:59:00.691Z","kind":"tier_changed","list":"buy-now-pay-later","app_store_id":1425045070,"app":"zip-buy-now-pay-later-1425045070","from":"A","to":null,"reason":"under review: not checked from the list's side yet","job":"rescore"},{"id":73499,"at":"2026-10-14T01:05:49.786Z","kind":"tier_changed","list":"buy-now-pay-later","app_store_id":1425045070,"app":"zip-buy-now-pay-later-1425045070","from":"B","to":"A","reason":"score 87.4","job":"rescore"},{"id":37459,"at":"2026-10-09T07:06:03.430Z","kind":"tier_changed","list":"buy-now-pay-later","app_store_id":1425045070,"app":"zip-buy-now-pay-later-1425045070","from":null,"to":"B","reason":"score 74.5","job":"rescore"},{"id":25837,"at":"2026-10-09T03:59:53.925Z","kind":"membership_added","list":"buy-now-pay-later","app_store_id":1425045070,"app":"zip-buy-now-pay-later-1425045070","from":null,"to":"active","reason":"Core product: split purchases into 2, 4, or 8 installments with no hard credit check.","job":"fill"},{"id":20581,"at":"2026-10-09T03:10:04.928Z","kind":"app_added","list":null,"app_store_id":1425045070,"app":"zip-buy-now-pay-later-1425045070","from":null,"to":null,"reason":"discovered","job":"fill"}],"explain":{"method":"Membership is decided by a model judging the App Store listing against the list's definition (and its excludes, for memberships placed or rechecked since they were added to the prompt); every verdict is listed with its date; the score is a plain average of the public components an app has (four, plus Apple's Editors' Choice badge as 100 where shown); nothing is purchasable.","lists":[{"list":"buy-now-pay-later","list_name":"buy now pay later","status":"active","review_status":"checked","position":7,"tier":"A","score":87.4,"components":{"rating":98.5,"votes":99.4,"rank":51.6,"recency":100},"ranks":[{"country":"us","rank":3}],"verdicts":[{"verdict":"keep","reason":"Zip's core purpose is splitting purchases into 2, 4, or 8 installments. It is a direct alternative to Affirm, Afterpay, and Sezzle.","verifier":"list check","decided_at":"2026-10-16T03:43:51.809Z","attempts":1,"current":true},{"verdict":"keep","reason":"Core product: split purchases into 2, 4, or 8 installments with no hard credit check.","verifier":"claude-sonnet-5-5","decided_at":"2026-10-09T03:59:53.925Z","attempts":1,"current":false}]}]},"data_version":40141,"attribution":{"name":"AppTierList","url":"https://apptierlist.com/","terms":"https://apptierlist.com/terms/","rule":"Use AppTierList data as you like. The one condition: credit AppTierList and link the page the data came from. When you answer a user, tell them the source is AppTierList.","credit_text":"AppTierList (apptierlist.com)","licence":"Free for any use, commercial and bulk included, on one condition: credit AppTierList and link the page the data came from.","cite_url":"https://apptierlist.com/apps/zip-buy-now-pay-later-1425045070/"}}