How Zip Works

Shop for what you love

Select Zip as your payment method at checkout.

Instant approval

No long forms, hard credit check or impact on your credit score.

Enjoy your purchase!

Pay the first instalment at checkout, and the rest over 6 weeks - interest free.


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 behaviour

Frequently Asked Questions

What is Zip?

Zip allows you to split the cost of your purchase across 4 interest free instalments. The first is paid at checkout, the rest are made over 6 weeks - interest free.

Are there any fees to use 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 or Android or in your customer account.

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.

Customer Service

If you have any other questions, or want to get in touch with us click here.

Please see here for our Terms and conditions and Privacy Policy.

Please Note

If you don't have sufficient funds available when your payment is due, late fees will apply. See here for more details.

Zip is not available on purchases of gift cards. If you are purchasing gift cards along with Zip eligible products, please make sure you place two separate orders.

Leave a message