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What Is Zip and How to Use It for Payment at Best Buy

General information

What is Zip?

Zip is a payment method that allows you to split nearly any purchase* (including taxes, shipping charges and finance charges) into easy payments, allowing you to buy the products you need now, and pay over time.

How does Zip work if I am shopping on BestBuy.com?

When you are ready to check out, select Zip under “Other Payment Options” and follow the prompts to either sign in to an existing Zip account, or share a few details to get started. If approved, a payment breakdown will be presented for your installment plan, and you will be asked to agree to Zip’s Terms and Conditions before placing your order. Learn more about Zip on BestBuy.com

What information does Zip ask for?

Zip requires your legal name, address, date of birth, a U.S. mobile number, and a U.S. debit or credit card to sign up. Rather than having a traditional username and password, Zip requires a mobile phone number and text message verification to log in.

Who can use Zip?

To have an account, you must:

  • Live in the U.S. and have a valid U.S. mailing address. Zip does not accept mailing (or billing) addresses that are APO, FPO, AE PO, or P.O. Box.
  • Be at least 18 years old
  • Have a valid and verifiable U.S. mobile number
  • Use a U.S. credit or debit card to make a purchase
  • Use the Zip app (for in-store purchases)

How much does using Zip cost?

Customers may be charged finance charges*, late fees, and/or convenience fees if applicable. For more information on finance charges, go to Zip’s Help Center.*
Zip offers access to two (2) different payment plans for Best Buy customers, Pay-in-4 and Pay-in-8. See plan details below. Customers may be charged with finance charges*, late fees, and/or convenience fees if applicable. For more information on finance charges, go to Zip’s Help Center.*

Pay in 4*:

Pay in four (4) allows you to split the total cost of your Zip Purchase into four (4) installments payable bi-weekly. Plans have different numbers of installments, fees, and limits on how much can be spent. Fees can vary from $4–$7.50 based on payment plan and loan amount, and the origination fee is charged at commencement as a prepaid finance charge. The applicable Origination Fee will be set forth in the Disclosure when Zip makes the Loan.

Pay in 8*:

Pay in eight (8) allows you to split the total cost of your Zip Purchase into eight (8) installments payable bi-weekly. Plans have different numbers of installments, fees, and limits on how much can be spent. Fees can vary from $8–$60 based on payment plan and loan amount, and the origination fee is charged at commencement as a prepaid finance charge. The applicable Origination Fee will be set forth in the Disclosure when Zip makes the Loan.

How do I use Zip at Best Buy?

Once you add your items to the cart, proceed to checkout and select Zip under “Other payment options.” Zip will request your mobile number and use text message verification to begin the checkout process. Once the loan application is complete, if approved, you will be prompted to complete the purchase. For more instructions on how to use Zip, see Zip’s How it works* page.

How can I check the status of my Best Buy with Zip order?

All Best Buy online purchases, regardless of payment method, can be tracked by logging in to your My Best Buy account under “Purchases.” Purchases using Guest Checkout will not be available to review.

Where can I see my Zip account information?

Once you’ve placed your Best Buy order, you can easily manage your Zip payment information and view your estimated spending power through the Zip app* on your mobile device.

Payments

When is my first payment due?

Your first payment for your purchase is due at the time of checkout. The remaining payments will be billed automatically over time. You will be able to see your payment schedule prior to the completion of your purchase.

Will I be notified before I am charged for a payment?

Zip notifies you with reminders three days and one day before each payment is due, with SMS and email. Access the Zip app* to see your payment due dates or update your payment method.

Can I pay off my purchase early?

Access the Zip app* or visit Zip’s Help Center* for information about early repayment.

Can I have multiple purchases/orders at once with Zip?

It is possible to have multiple Zip orders at once. Each Zip purchase is reviewed separately for approval. You can manage your payments across multiple orders in the Zip app.*

What if I have trouble paying?

Contact Zip Support* for assistance.

How do I update my payment method?

All payments for your order will be charged to the payment method entered at checkout. If you need to change your payment method, you can do so in the Zip app* or customer portal. For more information about how to change your payment method, visit Zip’s Help Center.*

Refunds

What happens when I need to return an item?

Once the merchant processes your refund and notifies Zip, Zip will update your payment plan accordingly. Refunds can take up to 13 days to process but may be completed sooner. The exact timing depends on how quickly the merchant submits the refund and your financial institution’s processing times. Origination fees and charges are non-refundable.

What if I have a partial return?

The refund will first be applied to any remaining unpaid installments. If the refund exceeds the balance of unpaid installments, the remaining amount will be returned to your original payment method. Origination fees and charges are non-refundable.

Do you have more questions about how to return items from purchases made with Zip?

For more information on returns of purchases made at Best Buy, refer to Best Buy’s return and exchange policies. Zip will automatically be notified of your return. For more information visit Zip Refunds.* For additional questions visit Zip's Help Center.*

Disclosures

Purchasing with Zip:

*Zip can only be used for U.S. purchases. Certain merchant, product, goods, and service restrictions apply. See payment terms at https://zip.co/us/loan-terms-of-service. Loans to California residents, other than loans through the Zip App, Zip checkout, and Zip Card, are pursuant to CFL license #60DBO-110414. Loans through the Zip App, Web Checkout, and Zip Card are originated by WebBank. All loans are subject to credit approval. Zip Co US Inc. ID 1963958 NMLS Consumer Access. (https://nmlsconsumeraccess.org/) By clicking this link, you are entering a site hosted and operated by Zip Co US Inc. Please review their Privacy Policy. All personal information you provide is subject to that Privacy Policy. Different terms and conditions may apply.

Zip payments (pay-in-4):

*Payment amounts are estimates and exclude origination fees, tax, and shipping costs which will be added at checkout. Origination fees range from $4 to $7.50, depending upon the purchase price. The purchase is divided and charged equally over four payments. For example, for a $400 purchase with a $7.50 origination fee charged at commencement as a prepaid finance charge, you’d make four $101.88 payments every two weeks starting today for a 32.66% annual percentage rate and a total of payments of $407.50. Zip Pay Anywhere and Zip Checkout financing through Zip issued by WebBank. All Loans are subject to credit approval. Late fees may apply.

Zip payments (pay-in-8):

*Payment amounts are estimates and exclude origination fees, tax, and shipping costs which will be added at checkout. Origination fees range from $8 to $60, depending upon the purchase price. The purchase is divided and charged equally over eight payments. For example, for a $400 purchase with a $16 origination fee charged at commencement as a prepaid finance charge, you’d make eight $52.00 payments every two weeks starting today for a 29.55% annual percentage rate and a total of payments of $416. Actual origination fees vary and can range from $8 to $60 [30–35% APR], depending on the purchase price. Zip Pay Anywhere and Zip Checkout financing through Zip issued by WebBank. All Loans are subject to credit approval. Late fees may apply.

External link notification:

*By clicking the Zip link, you are entering a site hosted and operated by Zip Co US Inc. Please review their Privacy Policy. All personal information you provide is subject to that Privacy Policy. Different terms and conditions may apply.
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