No interest, no contracts, no fees - simply pay your instalments on time and you’ll only pay your purchase amount. Never miss a repayment - regular email & SMS reminders before an instalment is automatically taken. Manage your repayments and refunds easily in the Zip app.
To pay with Zip, you need to: Be over 18 and live in the UK Have a UK debit card Have a good credit history and show responsible lending behavior.
What is Zip?
Zip allows you to split the cost of your purchase across 4 interest free instalments. The first is paid at the checkout, the rest are made over 6 weeks - interest free.
Are there any fees for using Zip?
With Zip, you’re not locked into a contract, there’s no interest and as long as you pay your instalments on time, no fees. Should you miss an instalment, you’ll be charged a late fee of £6, capped at £18 per order. See here for more information.
How do I manage my Zip account?
The easiest way to manage your orders, repayments and refunds is in the Zip app, available to download for iOS and Android, or in your customer account on the Zip website.
How do repayments work?
Your first instalment - 25% of the purchase price - is paid at the checkout. The remaining three instalments will be taken automatically from your debit card every two weeks. Zip always reminds customers via text and email before an instalment is due.
How do returns and refunds work?
Once you’ve returned an item to the retailer, Zip refunds the amount you’ve paid to date and cancels any future payments. For partial refunds, scheduled instalments are reduced/cancelled first, and any paid instalments are refunded.
If you don’t have sufficient funds available when your payment is due, late fees will apply. Zip can’t be used to pay for gift vouchers. If you wish to purchase a gift voucher alongside other products, you’ll need to place two separate orders.