The company has a rating of “Excellent” based on over 8,000 customer reviews. Trustpilot: Zip earns 4.6 out of 5 stars with Trustpilot.Here’s a look at what past and present customers have to say about their Zip experiences. It’s always wise to consider a company’s reputation before signing up for a financial service. It’s worth pointing out that if you return a purchase to a retailer, you may not receive a refund of the $1 loan origination fees you paid to Zip. Before your payment drafts, Zip will also send you a courtesy reminder. Zip will automatically draft your remaining three payments (plus a $1 fee per payment) on the same credit or debit card over the next six weeks. The first payment amount will be equal to 25% of the purchase price plus Zip’s initial $1 fee. Choose the credit or debit card you want to use to make the initial payment.(Note: The app only works for purchases of at least $35.) Then it will provide you with a virtual card number to use at checkout. For in-person purchases, the app will prompt you to enter the estimated purchase price. Select Zip as your preferred payment method when checking out with an online retailer.You can also visit the company’s website and enter your phone number to receive a link via text where you can start the download process. You can find the app in Apple’s App Store or Google Play. Download the Zip app on your mobile device.The service is relatively easy to use and works as follows: You can use Zip for buy now, pay later financing with any retailer that accepts Visa.
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