# What are the differences between Pay in 2, Pay in 4 and Pay in 8?

> Pay in 4 and Pay in 8 share some of the same great qualities with a few key differences Below we have highlighted the two products   Pay in 4    Pay in 4 

Source: https://help.us.zip.co/en_us/what-are-the-differences-between-pay-in-2-pay-in-4-and-pay-in-8-r1vhhei3xg

Last updated: 2026-03-05T15:09:26.445Z

Pay in 2\*, Pay in 4\*\* and Pay in 8\*\*\* share some of the same great qualities with a few key differences. Below we have highlighted the products:

**Pay in 2:**

*   Pay in 2 installments over two weeks
*   Available in-store, at checkout and in the app
*   Approved per purchase, per customer
*   Orders subject to finance charges

**Pay in 4:**

*   Pay in 4 installments over six weeks
*   $35 minimum purchase
*   Available in-store, at checkout and in the app
*   Approved per purchase, per customer
*   Orders subject to finance charges

**Pay in 8:**

*   Pay in 8 installments over fourteen weeks
*   $200 minimum purchase
*   Available in the app and limited merchants on checkout
*   Orders are subject to finance charges

  

\*For a $1,100 purchase, you'd make two $553.75 payments with first payment today and the second payment in two weeks for a 35.70% annual percentage rate and a total of payments of $1,107.50. A $7.50 origination fee is charged at commencement and prepaid as a finance charge when you make your initial payment today. The actual origination fees vary and can range from $0.50 to $13.50 depending on the purchase price. The actual amount of the fee for your purchase will be reflected at checkout. Estimation of origination payment and annual percentage rate excludes potential tax and shipping costs. Financing through Zip issued by WebBank. All loans are subject to credit approval.

\*\*For a $400 purchase, you'd make four $102 payments every two weeks starting today for a 34.75% annual percentage rate and a total of payments of $408. An $8 origination fee is charged at commencement and prepaid as a finance charge when you make your initial payment today. The actual origination fees vary and can range from $4.00 to $62.00 depending on the purchase price. The actual amount of the fee for your purchase will be reflected at checkout. Estimation of origination payment and annual percentage rate excludes potential tax and shipping costs. Financing through Zip issued by WebBank. All loans subject to credit approval. 

\*\*\* For a $400 purchase, you’d make eight $52.37 payments every two weeks starting today for a 34.99% annual percentage rate and a total of payments of $418.97. An $18.97 origination fee is charged at commencement and prepaid as a finance charge when you make your initial payment today. The actual origination fees vary and can range from $9.48 to $124 \[30-35% APR\], depending on the purchase price. The actual amount of the fee for your purchase will be reflected at checkout. Estimation of origination payment and annual percentage rate excludes potential tax and shipping costs. Financing through Zip issued by WebBank. All loans subject to credit approval.