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Zip

Buy now, pay over time

Split your purchase into easy payments and get the products you need today using Zip.
Not currently available in New Mexico and Vermont.
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Using Zip at Best Buy

How it works

Zip is a buy now, pay later flexible payment option available at Best Buy. Eligible customers can split purchases into 4 or 8 installments* over time, with payments due every 2 weeks. Select Zip at checkout online or use the Zip app in store, complete the application process and make scheduled payments according to your payment plan.

Online

Choose Zip at checkout
When you’re ready to check out, select Zip under “Other Payment Options.”

Enter your phone number
Follow the prompts to either sign in to an existing Zip account, or share a few details to get started.

Pick your plan and pay over time
Pay a portion of the purchase price and fee at time of purchase, then make payments every 2 weeks until paid off.

FPO

In store

Open the Zip app
Select “In-Store” tab and enter order total

Review payment plan
Review and confirm your payment plan and details

Create a virtual card
Add Zip to your Apple Wallet or Google Pay

Pay at the register
Use your contactless payment method to check out

Why choose Zip?
Flexible payments nearly anywherePay over time online and in store.
Quick approval process*Approval process is quick and easy.
No hard credit checkUsing Zip will not affect your credit score.
Clear, predictable paymentsView and manage payments anytime in the app.

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. By clicking this link, you are entering a site hosted and operated by Zip Co US Inc. 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/) 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 on the purchase price. 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 on the purchase price. 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. 

Paying with Zip

What is Zip?

Zip is a flexible payment option available at Best Buy that makes it easier to manage your budget while still getting the products you need. With Zip, you can split your purchase into easy payments, providing an alternative to paying the full amount upfront. From crystal-clear OLED TVs and powerful gaming laptops to smart home devices and small kitchen appliances, this buy now, pay later solution is available for almost any item in-store or online. Zip is simple to use whether you’re shopping on BestBuy.com or in person. When checking out on Best Buy’s website or with the Best Buy app, select Zip under “Other Payment Options” and follow the prompts to log in or create an account. If you’re approved, Zip will present a payment breakdown, allowing you to review and agree to the terms before completing your purchase. For in-store purchases, you can create a virtual card in the app and tap to pay at the register, or use a physical Zip card supplied by Zip Co to pay after making a purchase request of $35 or more in the Zip app. To sign up for a Zip account and pay over time, you’ll need to provide basic information, including your name, address, date of birth and a U.S. mobile number. A U.S. debit or credit card is also required for purchases. 

How does Zip work? Zip payments explained

Zip payments are designed to be straightforward and manageable, with your first installment due at checkout. This initial Zip payment secures your purchase, while the remaining payments are automatically scheduled in two-week increments. Before completing your transaction, you’ll receive a clear payment schedule so you know exactly when your installments are due. To help you stay on track, Zip sends reminders before each payment. You can also use the Zip app to check your payment schedule, update your payment method or even pay off your balance early if you choose. If you ever need to send a purchased item back, you can refer to Best Buy’s return and exchange policy and Zip will automatically be notified of your return. Whether you’re shopping online for supplies to set up your smart home or purchasing unique gifts to bring to a holiday party in-store with a Zip credit card, each order is reviewed separately for approval when making multiple purchases with Zip. And, all your payments can be managed easily within the Zip app. 
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