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Zip - Pay in 4

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Zip is now available as a payment method for all purchases up to £650.

This means you can get your favourite products delivered now and spread the cost over 4 interest-free payments.

Paying with Zip online is easy. When you get to the payment page (usually after adding delivery details), select Zip as a payment method. If it’s your first time shopping with Zip, you’ll need to enter some personal details (just name, date of birth and address) so they can do a quick automatic ID check and credit assessment. Their system does this in real-time and if it’s all approved, and you agree on the instalment schedule, Zip will take the first installment. Once accepted, we will send the goods (or prepare them for pickup) as we would with any other payment method.

The first time you use Zip, a few details will be needed from you (just name, date of birth and UK address) so Zip can do a quick automatic ID check and credit assessment. Their system does this instantaneously and if it’s all approved, you agree the payment schedule and they take the first payment from a UK debit or credit card.

Nope, Zip are not like traditional finance companies. As long as you pay your scheduled payments on time you will only pay the ticket price advertised and not a penny more. But if you miss a scheduled payment, and don’t process a payment before midnight on the day it is due, Zip charge a £4 default fee and a further £4 for every week it is outstanding so make sure you have money in your account in advance of your payments coming out. Zip email you in advance every time as a reminder.

Payments are automatically scheduled to be taken fortnightly. You’ll pay 25% upfront, then 25% fortnightly for the next 6 weeks. Zip try to take payment during the day. If this fails, or if you'd like to make a payment earlier, you can log in to your Zip account (https://zip.co/uk/portal/) and manually make payment.

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

Returns are between you and the retailer. If any refund is agreed in accordance with the retailer’s terms and conditions, the retailer can process a refund on your Zip order.

Will Zip affect my checking score?*

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

*non-payment may affect your credit score