Zip.co/US Reviews 36,508

TrustScore 4.5 out of 5

4.5

While we don't verify specific claims because reviewers' opinions are their own, we may label reviews as "Verified" when we can confirm a business interaction took place. Read more

To protect platform integrity, every review on our platform—verified or not—is screened by our 24/7 automated software. This technology is designed to identify and remove content that breaches our guidelines, including reviews that are not based on a genuine experience. We recognise we may not catch everything, and you can flag anything you think we may have missed. Read more

Review summary

Created with AI, based on recent reviews

Reviewers overwhelmingly had a great experience with this company. Customers frequently praise the service for its ease of use and the ability to break down payments, which helps them acquire needed products or training. Many people appreciate the smooth, hassle-free transactions and the convenience of managing their finances with this option. The product itself is often highlighted as excellent, enabling consumers to make purchases they might not otherwise afford. However, some customers encountered issues with payments and orders. A few people reported issues with incorrect or duplicate charges. There were also instances where orders placed through the service were not recognized by the merchant, leading to confusion and delays in refunds.

What people talk about most

User experience

Reviewers express high satisfaction with the user experience, highlighting its ease of use and convenience.... See more

Payment

People report ambiguous experiences with payment. Many customers appreciate the flexibility of splitting... See more

Product

Consumers find the product to be positive, appreciating its convenience for acquiring needed items right... See more

Service

Reviewers highlight positive aspects of service, with many praising its helpfulness for purchases and its... See more

Order

Clients share ambiguous opinions on order experiences. Some customers report issues such as canceled orders... See more

Reviews shaping this summary

Rated 5 out of 5 stars

I had never heard of ZIP, had a major breakdown, of course when I'm busy & needed all systems working together. Made an urgent purchase & delivery thru Best Buy, payment plan option offered by ZIP, s... See more

Company replied

Rated 5 out of 5 stars

I would say this program is better than any other flexible payment option apps. (Ive tried almost all of them). You can literally shop anywhere and use the card for in-store payments just like a credi... See more

Company replied

Rated 5 out of 5 stars

Zip allowed me to sign up for a training I dearly needed by allowing me to break down the payments in 4 equal payments. I am now enjoying the benefits of the course and putting into practice new knowl... See more

Company replied

Rated 5 out of 5 stars

My experience was great with Zip. I had just moved into a new apartment and got done paying the Security in the rent so you know how that goes doesn’t leave you with much funds. I needed to purchase a... See more

Company replied


Company details

  1. Payment Service
  2. Alternative Financial Service

Written by the company

Founded in Australia in 2013, our mission is to be the first payment choice, everywhere and every day. We give consumers, merchants and businesses around the world access to transparent, flexible and interest-free credit. We exist to create a world where people can live fearlessly today, knowing they're in control of tomorrow. Disrupting the broken credit card model, we put the financial well-being of our customers and merchants at the centre of everything that we do.

Our Fearless Ambition

Written by the company

We firmly believe that nobody can live in the moment if they are not in control of their future. This is why our hearts beat, and it's what drives us to deliver better financial products every day. When you give people the knowledge, access, and ability to control their financial lives, you give them the opportunity to live every day with confidence.

Contact info

4.5

Excellent

TrustScore 4.5 out of 5

37K reviews

5-star
4-star
3-star
2-star
1-star

At Trustpilot, it's all about human content. This business can also access our AI-assisted response tool which helps them draft replies.

How this company uses Trustpilot

See how their reviews and ratings are sourced, scored, and moderated.

Companies on Trustpilot aren't allowed to offer incentives or pay to hide reviews. Reviews are the opinions of individual users and not of Trustpilot. Read more

Rated 5 out of 5 stars

Easy financing

Truly appreciate you financing my order, it was simple and painless, I look forward to my next order and of course I will happily use you folks, thanks so much for being here for us,warm regards DG.

April 20, 2026
Zip.co/US logo

Reply from Zip.co/US

We appreciate you sharing your positive experience with Zip! It's fantastic to know that our convenient payment solution has met your expectations. We're dedicated to providing reliable and trustworthy service to our customers, and we're grateful to have you as part of the Zip community. Thanks for your support! 🎉

Rated 5 out of 5 stars

Very easy to use

Very easy to use. Thanks I appreciate you!

April 23, 2026
Zip.co/US logo

Reply from Zip.co/US

We appreciate you sharing your positive experience with Zip! It's fantastic to know that our convenient payment solution has met your expectations. We're dedicated to providing reliable and trustworthy service to our customers, and we're grateful to have you as part of the Zip community. Thanks for your support! 🎉

Rated 5 out of 5 stars

It was very easy process.

It was very easy process.

April 11, 2026
Zip.co/US logo

Reply from Zip.co/US

We appreciate you sharing your positive experience with Zip! It's fantastic to know that our convenient payment solution has met your expectations. We're dedicated to providing reliable and trustworthy service to our customers, and we're grateful to have you as part of the Zip community. Thanks for your support! 🎉

Rated 5 out of 5 stars

Very fast and easy to use

Very fast and easy to use. Your able to track how much you have to pay easily and definitely helpful when you need a little bit more money!

April 24, 2026
Zip.co/US logo

Reply from Zip.co/US

We appreciate you sharing your positive experience with Zip! It's fantastic to know that our convenient payment solution has met your expectations. We're dedicated to providing reliable and trustworthy service to our customers, and we're grateful to have you as part of the Zip community. Thanks for your support! 🎉

Rated 5 out of 5 stars

I was able to make a couple of…

I was able to make a couple of purchases and it worked great for me paying my bills

March 23, 2026
Zip.co/US logo

Reply from Zip.co/US

We appreciate you sharing your positive experience with Zip! It's fantastic to know that our convenient payment solution has met your expectations. We're dedicated to providing reliable and trustworthy service to our customers, and we're grateful to have you as part of the Zip community. Thanks for your support! 🎉

Rated 5 out of 5 stars

User experience

April 18, 2026
Zip.co/US logo

Reply from Zip.co/US

We appreciate you sharing your positive experience with Zip! It's fantastic to know that our convenient payment solution has met your expectations. We're dedicated to providing reliable and trustworthy service to our customers, and we're grateful to have you as part of the Zip community. Thanks for your support! 🎉

Rated 5 out of 5 stars

It was quick and easy!

It was quick and easy!! Something that I will use again to help with purchases

April 20, 2026
Zip.co/US logo

Reply from Zip.co/US

We appreciate you sharing your positive experience with Zip! It's fantastic to know that our convenient payment solution has met your expectations. We're dedicated to providing reliable and trustworthy service to our customers, and we're grateful to have you as part of the Zip community. Thanks for your support! 🎉

Rated 5 out of 5 stars

Very fast and easy

April 21, 2026
Zip.co/US logo

Reply from Zip.co/US

We appreciate you sharing your positive experience with Zip! It's fantastic to know that our convenient payment solution has met your expectations. We're dedicated to providing reliable and trustworthy service to our customers, and we're grateful to have you as part of the Zip community. Thanks for your support! 🎉

Rated 5 out of 5 stars

I like that zip made it affordable to…

I like that zip made it affordable to get all my accessories I needed for my electronics.

April 22, 2026
Zip.co/US logo

Reply from Zip.co/US

We appreciate you sharing your positive experience with Zip! It's fantastic to know that our convenient payment solution has met your expectations. We're dedicated to providing reliable and trustworthy service to our customers, and we're grateful to have you as part of the Zip community. Thanks for your support! 🎉

Rated 5 out of 5 stars

Needed the credit really bad my credit…

Needed the credit really bad my credit is not the best right now, i was amazed to be approved no problems. Im a loyal Zip customer for sure.. Thank you Zip..

April 22, 2026
Zip.co/US logo

Reply from Zip.co/US



Thanks for your review! It's great to hear you're loving the Zip experience. Should you have any questions, feel free to get in touch with us. Our team is always available at us-appreviews@care.zip.co to assist you. We're here for you! 💜

Rated 5 out of 5 stars

Very Considerate with Payment options

I may not have purchase power but you guys were kind enough to approve me for financing my headphones I’m so happy thank you :)

April 22, 2026
Zip.co/US logo

Reply from Zip.co/US



Thanks for your review! It's great to hear you're loving the Zip experience. Should you have any questions, feel free to get in touch with us. Our team is always available at us-appreviews@care.zip.co to assist you. We're here for you! 💜

Rated 5 out of 5 stars

They were right on time with getting…

They were right on time with getting what I need until pay day

April 24, 2026
Zip.co/US logo

Reply from Zip.co/US

Thanks for your review! It's great to hear you're loving the Zip experience. Should you have any questions, feel free to get in touch with us. Our team is always available at us-appreviews@care.zip.co to assist you. We're here for you! 💜

Rated 5 out of 5 stars

I haven't recieved my order yet

I haven't recieved my order yet, I just placed it but I think I like it.

April 24, 2026
Unprompted review
Zip.co/US logo

Reply from Zip.co/US



Thanks for your review! It's great to hear you're loving the Zip experience. Should you have any questions, feel free to get in touch with us. Our team is always available at us-appreviews@care.zip.co to assist you. We're here for you! 💜

Rated 5 out of 5 stars

The Process is easy and flexible.

Picking up my item the same day as purchased.

April 22, 2026
Zip.co/US logo

Reply from Zip.co/US

Thanks for your review! It's great to hear you're loving the Zip experience. Should you have any questions, feel free to get in touch with us. Our team is always available at us-appreviews@care.zip.co to assist you. We're here for you! 💜

Rated 5 out of 5 stars

Great service

Great service if you want to buy something but pay in payments.

April 21, 2026
Unprompted review
Zip.co/US logo

Reply from Zip.co/US

Thanks for your review! It's great to hear you're loving the Zip experience. Should you have any questions, feel free to get in touch with us. Our team is always available at us-appreviews@care.zip.co to assist you. We're here for you! 💜

Rated 5 out of 5 stars

Well it was easy to get approved no…

Well it was easy to get approved no wasted time just quick thank u

April 23, 2026
Zip.co/US logo

Reply from Zip.co/US

Thanks for your review! It's great to hear you're loving the Zip experience. Should you have any questions, feel free to get in touch with us. Our team is always available at us-appreviews@care.zip.co to assist you. We're here for you! 💜

Rated 5 out of 5 stars

Wonderful!!!

April 24, 2026
Zip.co/US logo

Reply from Zip.co/US

Thanks for your review! It's great to hear you're loving the Zip experience. Should you have any questions, feel free to get in touch with us. Our team is always available at us-appreviews@care.zip.co to assist you. We're here for you! 💜

Rated 5 out of 5 stars

ZIP + NIFT X 2

ZIP + NIFT X 2
ZIP GREAT BY ITSELF, only charged $7 for a $250 purchase auto pay every 2 wks x 4 pymts, so pd off
in 2 mo, with VERY reasonable interest.
Very satisfied, would like to see this avail for much larger needs.

April 23, 2026
Zip.co/US logo

Reply from Zip.co/US

Thanks for your review! It's great to hear you're loving the Zip experience. Should you have any questions, feel free to get in touch with us. Our team is always available at us-appreviews@care.zip.co to assist you. We're here for you! 💜

Rated 5 out of 5 stars

It only took a minute and their…

It only took a minute and their repayment plans and app make it easy to keep up with payments.

April 20, 2026
Zip.co/US logo

Reply from Zip.co/US

Thanks for your review! It's great to hear you're loving the Zip experience. Should you have any questions, feel free to get in touch with us. Our team is always available at us-appreviews@care.zip.co to assist you. We're here for you! 💜

Rated 4 out of 5 stars

Don’t know how to get the tickets…

Don’t know how to get the tickets purchased.

Didn’t get email showing my payment plan

April 23, 2026
Zip.co/US logo

Reply from Zip.co/US

Thank you for your review. We're sorry to hear that your experience using Zip has not met your expectations. If there is anything specific we can help with, please let us know at us-appreviews@care.zip.co. We would be more than happy to address your concerns and help out. We're looking forward to hearing from you!

The Trustpilot Experience

Anyone can write a Trustpilot review. People who write reviews have ownership to edit or delete them at any time, and they’ll be displayed as long as an account is active.

Companies can ask for reviews via automatic invitations. Labeled Verified, they’re about genuine experiences.

Learn more about other kinds of reviews.

We use dedicated people and clever technology to safeguard our platform. Find out how we combat fake reviews.

Learn about Trustpilot’s review process.

Here are 8 tips for writing great reviews.

Verification can help ensure real people are writing the reviews you read on Trustpilot.

Offering incentives for reviews or asking for them selectively can bias the TrustScore, which goes against our guidelines.

Take a closer look