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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. See table below for relevant finance charges by purchase amount. For more information on finance charges, go to Zip’s Help Center.*

Zip offers access to two payment plans:

a. Pay in 4* and Pay in 8*. Both plans have different numbers of installments, fees, and limits on how much can be spent. See the tables below for relevant finance charges by payment plan and purchase amount.

b. Pay in 8* charges are for original order amounts only; the finance charge is subject to change upon order partial refund.*

Customers may be charged finance charges*, late fees, and/or convenience fees if applicable.

Pay-in-4*:

Purchase Amount Finance Charge
$35.00 - $99.99 $4.00
$100.00 - $199.99 $5.00
$200.00 - $299.99 $6.00
$300 or more $7.50

Pay in 8*:

Pay in 8 allows you to split the total cost of your Zip Purchase into eight (8) installments payable bi-weekly. Fees can vary from $16–$116 based on payment plan and loan amount. 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

How do returns, refunds and partial refunds work?

For more information on returns of purchases made with Zip, refer to Best Buy’s return and exchange policy. 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. 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. See payment terms at https://zip.co/us/quadpay-terms-of-service. 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. (https://nmlsconsumeraccess.org/)

Zip payments (pay-in-4):

*Payment amounts are estimates and exclude finance charges, tax, and shipping costs which will be added at checkout. Finance charges 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 $180 purchase with a $5 installment fee, you'd make four $46.25 payments every two weeks starting today for a total of payments of $185. The $5 installment fee would equate to an annual percentage rate of 48.28%. Late fees may apply.

Zip payments (pay-in-8):

*Payment amounts are estimates and exclude finance charges, tax, and shipping costs which will be added at checkout. Finance charges range from $16 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 installment fee, you'd make eight $52 payments every two weeks starting today for a total of payments of $416. The $16 installment fee would equate to an annual percentage rate of 14.09%. 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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