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Zip - Pay In 4

A new way to pay that's available now online and lets you own it now and pay for it later!

Who is Zip?

Zip creates simple, secure, fair and transparent credit and payment solutions that improve lives every day. Zip allows you to own the things you love now, and pay later, interest-free on all purchases up to £999.99.

Am I eligible to pay using Zip?

To shop using Zip, you need:

  • To be over the age of 18
  • To have a UK issued Visa or Mastercard (both debit and credit are good)
  • To be living in the UK
  • To have a good credit history

Will Zip affect my credit score?*

No. Zip only carries out a soft credit check, so your score is not affected.

How do I pay with Zip?

When you get to the payment page, select Zip as a payment method.

If it's your first time shopping with Zip, you'll need to enter some personal details such as name, date of birth, mobile phone number and home address. Take care when entering your personal details, errors may prevent Zip from being able to verify your account or send you payment notifications.

Once approved, and you are happy with the instalment schedule, Zip will take the first instalment from the UK debit or credit card you supplied when signing up.

Once accepted, your goods will be sent to you as they would with any other payment method.

Is my payment information safe?

Payment information is processed securely by Zip. All transactions take place via secured connections that adhere to the latest industry standards and security protocols.

What happens if I cancel or return my order?

As soon as your cancellation/return has been accepted by us, Zip will cancel any future scheduled payments as well as refund any amounts due.

As soon as we have registered your cancellation or return, Zip will process your refund within 5-7 business days.

Any partial refunds will be applied to outstanding instalments first.

What happens if I don't pay for my order?

Zip will automatically attempt to collect payment for your Pay In 4 purchase from the debit or credit card you entered when you signed up to Zip.

If you miss a scheduled payment, and don't process a payment yourself before midnight on the day that it is due, Zip will charge a £4 default fee and a further £4 for every week this is outstanding. A payment can be made by you by logging into your Zip account online.

Please make sure you have money in your account in advance of your payments coming out.

Zip will contact you by email directly in advance every time as a reminder.

I have asked for a refund. How will I be refunded?

Refunds from Zip shall be issued back to the debit or credit card supplied to Zip.

Is there really no interest applied and no extra fees?

Nope, Zip are not like traditional finance companies. As long as you pay your scheduled payments on time you will only pay the price advertised.

When will my payments be due?

Payments are automatically scheduled to be taken every 2 weeks.

You'll pay 25% of your full purchase upfront, then 25% every 2 weeks for the next 6 weeks.

Zip will try to take payment during the day but if this fails, or if you'd like to make a payment earlier, you can log into your Zip account and manually make a payment.

For more information, visit zip.co/uk/help

I've received a statement from Zip, but I've not yet received my goods.

In the event that your goods have not been received please contact us directly to check on your order and delivery status. Zip is the finance provider and will not have this information.

You can also contact Zip's Customer Service Team by emailing uk@care.zip.co so that they can postpone the due date of your next payment whilst you wait to receive your goods from us if needed.

Zip Competition (12th March to 12th April)

To enter the competition, simply purchase anything on the Marks Electrical website between 12th March and 12th April using Zip as the payment option. After the closing date, Marks Electrical will pick 10 random winners. Each winner will win a £500 voucher to spend at Marks Electrical. Competition details form part of these terms and conditions. The competition starts on the 12th March and closes at midnight on 12th April. Entry is open to residents of the UK, except employees (and their families) of Marks Electrical, the suppliers of the prizes and any other companies associated with Marks Electrical or the competition. The winners will be contacted after the competition closing date and announced on our social media pages (identifying details will not be given). The prizes are as stated, are not transferable and no cash or other alternatives will be offered. The winners agree to the use of their first name and any other non-identifying details for publicity purposes and will co-operate with any other reasonable request by Marks Electrical relating to publicity. Use of a false name or details will result in disqualification. All entries must be made directly by the person entering the competition. Entries made online using methods generated by a script, macro or the use of automated devices will be void. The promoters reserve the right to amend or alter these terms of competition at any time. The competition may be modified or withdrawn at any time. The promoter is Marks Electrical Ltd, 4 Boston Road, Leicester, LE4 1AU. The details of the winners will be the property of Marks Electrical and will not be passed on to any third parties. By entering this competition, you also acknowledge that Facebook is in no way involved in the running of this competition and any issues which may arise as a result of this competition are in no way associated with Facebook. The winners will be contacted on or after April 12th 2021 and announced on our social media pages (identifying details will not be given). The prizes will be retained for a short time from the close date. Failure to respond and/or provide details for delivery in that time, or failure to meet the eligibility criteria, may result in forfeiture of a prize.


*non-payment may affect your credit score

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