Zip - Shop Now, Pay Later

🇺🇸 United States
zip.co  | 
24
ASO score
Text
33/100
Reviews
4/100
Graphic
40/100
Other
0/100
rating
App Rating
4.7
rating
Votes
5.85M
rating
App Age
7y 5m
rating
Last Update
Dec 07, 2025

Compare with Category Top Apps

Metrics
Current App
Category Top Average
Difference
Installs
2.6M
6.6M
-61%
Rating
4.54
4.3
+6%
Number of Ratings (Voted)
2.4M
9.8M
-75%
App Age
7y 5m
6y 8m
+10%
In-app Purchases Price
$0
$139
Update Frequency
28d
91d
-69%
Title Length
25
26
-4%
Short Description Length
76
66
+15%
Description Length
4 007
2 736
+46%
Number of Screenshots
704
863
-18 %
Has Video?
No
0% has videos
Size
0MB
0MB

Category Ranking in United States

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Top Dec 20, 2025 Dec 27, 2025
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Top Dec 20, 2025 Dec 27, 2025
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Top Dec 20, 2025 Dec 27, 2025
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Top Dec 20, 2025 Dec 27, 2025
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Downloads

Downloads Graph
Downloads icon
Total
2.6M
Last month icon
Last month
17.5K

Text ASO

Title (
Characters: 25 of 50
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Zip - Shop Now, Pay Later
Short Description (
Characters: 76 of 80
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Enjoy the flexibility to pay for and manage life’s spending with confidence.
Description (
Characters: 4007 of 4000
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ZIP PAY – UP TO $1,000 LIMIT Shop now, pay later, always interest free.¹ Use the Zip Pay Visa Card anywhere Visa² is accepted for groceries, bills and more. Choose weekly, fortnightly or monthly repayments. ZIP PLUS – $2,000 TO $8,000 LIMIT Extra spending power with $0 international transaction fees. Interest free if your month-end balance is under $1,500, or 12.95% p.a. on amounts above.³ ZIP MONEY – UP TO $5,000 LIMIT Cover bigger purchases: holidays, IVF or more. Enjoy interest free terms and flexible repayments.⁴ ZIP PERSONAL LOAN – UP TO $50,000 LIMIT Use it for debt consolidation, a car, home renovations and more. Choose a loan term that suits you, with lengths from 3 to 7 years and flexible repayments.⁵ ¹ Zip Pay: T&Cs and a $9.95 monthly account fee apply. Other charges may be payable. ² Zip Visa Card is available with Zip Pay and Zip Plus. Zip Visa Card T&Cs apply. ³ Zip Plus: Interest accrues daily on the total balance owing at the end of each day. No interest will be charged to your account in a given month if the balance owing at the end of the last day of that calendar month is $1,500 or less. Each day ends at 11:59pm AEST (AEDT during daylight savings). Standard interest rate is 12.95% p.a. T&Cs and credit approval criteria apply. A monthly account fee of $9.95 will apply if the total balance owing is not paid in full by the end of the last day of the calendar month. ⁴ Zip Money: The interest free period is the maximum period of time when no interest is charged on the purchase. The availability of the interest free period for a purchase will depend on the purchase amount, the minimum monthly repayment and account status. Minimum monthly repayments are required and vary according to credit limit. Minimum monthly repayments may require repayment of the purchase prior to the expiry of the maximum interest free period. In other cases, paying only the minimum monthly repayment may not repay the purchase in the interest free period. Any purchase amount outstanding at the expiry of the interest free period will be charged at the standard variable interest rate, 25.9% per annum, as at 1 June 2023. Zip Money is available to approved applicants and subject to completion of a satisfactory credit assessment. A monthly account fee of $9.95 applies and a one-off establishment fee may apply for new customers. ⁵ Based on an unsecured personal loan of $30,000 over 5 years, a borrower with an excellent credit history can expect to pay a total of $40,893.60. This represents an estimated monthly repayments of $681.56, a variable interest rate of 11.99% p.a. and a comparison rate of 12.94% p.a. including all interest and fees included in your loan repayments over the life of the loan. The comparison rate for the Zip Personal Loan is based on an unsecured loan of $30,000 over a loan term of 5 years. The comparison rate assumes no Annual Rate Drops are applied. WARNING: This comparison rate applies only for the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. We determine the interest rate available to you based on your credit score and financial information provided during your application. The interest rate on the Zip Personal Loan ranges between 11.99%p.a. to 21.99%p.a. T&Cs and credit approval criteria apply. A monthly account fee of $9.95 and one-off establishment fee of $199 will apply. All products - Interest and other charges may be payable, see T&Cs. Interest, fees and charges are subject to change. Terms & Conditions apply and are available on application. See your contract for further details. Minimum monthly repayments are required and will vary depending on your credit limit. Credit provided by ZipMoney Payments Pty Ltd (ABN 58 164 440 993, Australian Credit Licence Number 441878).}
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Rating & Reviews

Reviews Overview
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Rating
4.7
5 851 525 voters

Some Latest Reviews

Aabhushan Shrestha
20 Dec, 2025
5
I was having some financial issues. Zip plus helped me a lot. Thankyou so much!
Sacrina Rose
17 Dec, 2025
2
Do not use this, use afterpay if you absolutely need a pay over time app. Edit: Added one star because they deleted my account without hassle.
Falz
14 Dec, 2025
1
Terrible, I have been charged fees when the app clearly shows nothing owing. lodge a complaint as the app shows 1 thing and the statements show something different. Fix you app or your statements so the match. Make sure you check your statements only realised I have been paying a monthly fee $9.95 for months without anything owing on the app, but apparently $9 outstanding on the account statements and wont refund the fees.
Chelsea
14 Dec, 2025
1
app is broken wont function even after remove and reinstall and customer support is only mon-friday 9-5
Mick Wolf
12 Dec, 2025
5
So easy to use and purchase with once you got it setup. thankyou
R
10 Dec, 2025
1
they locked me out because apparently they thought someone else was trying to get into my zip but nobody was. they lied saying they'd unlock my account after completing the id verification thing. i did all that and they ended up closing my account telling me to never sign up with them again
J G
05 Dec, 2025
1
App access is now contingent upon users agreeing to allow the company to see every other app installed on their system. Maybe other apps do this without my knowledge and I'm just ignorant, but this seems like an unreasonable invasion of privacy to me. I do not consent and as such I am locked out of the app.
Kirrilie Oates
04 Dec, 2025
1
half a star and that's generous - doesn't let you repay how you like - takes multiple payments out at once - will not be recommending or using again
Vesna Petrovska
03 Dec, 2025
2
please fix the app.l cannot get into to check my scheduled repayments

Other

Additional Information
Rating:
4.66
Voted: 5.85M
Google Play Link:
Website:
Email:
Privacy Policy:
Categories: Finance
Size: -
Installs: 2.56M
App Age: 7 years 5 months
Release Date: Jul 30, 2018
Last Update: Dec 07, 2025
Version: 4.10.0.68
Version history
4.10.0.68
Dec 07, 2025
In this release, we’ve made some improvements to make your Zip experience seamless and easy.<br>For our Zip Money customers, you now have greater visibility of your interest bearing and interest free balance!<br><br>We’re always improving our app so be sure to update it regularly or just turn on automatic updates.
4.9.3.61
Nov 13, 2025
In this release, we’ve made some improvements to make your Zip experience seamless and easy.<br>For our Zip Money customers, you now have greater visibility of your interest bearing and interest free balance!<br><br>We’re always improving our app so be sure to update it regularly or just turn on automatic updates.
Version history