WHAT IS ZIP PAY IN 4?
It’s a new way to checkout now available on our website that lets you buy now and pay later.
No interest. No fees. No credit agreement.
HOW DO I PAY WITH ZIP?
Paying with Zip online is easy. When you get to the payment (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 it it’s all approved, and you agree on the instalment schedule, Zip will take the first instalment. Once accepted, we will send the goods as we would with any other payment method.
WHAT IS REQUIRED TO MAKE MY FIRSTPURCHASE WITH ZIP?
The first time you use Zip, a few details will be needed from you (just name, date of birth and 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.
IS THERE REALLY NO INTEREST & EXTRA FEES?
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 £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.
WHEN WILL MY PAYMENTS BE DUE?
Payments are automatically scheduled to be taken fortnightly. You’ll pay 25% upfront, the 25% fortnightly for the next 6 weeks. Zip try to take payments 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 payments. For more information, visit zip/co/uk/help
I WANT TO RETURN MY PRODUCT, WHAT DO I DO?
Returns are between you and the retailer. If any refund is agreed in accordance with the retailers terms and conditions, the retailer can process a refund on your Zip order.
WILL ZIP AFFECT MY CHECKING SCORE?
No Zip carries out a soft credit check so your score is not affected.
*non-payment may affect your credit score