Yes - our fees are provided in our Terms of Service and are subject to future amendments. We have set out the fees below:
Origination Fees
Purchases made through Zip are subject to an origination fee. The applicable fee will depend on the Merchant, order total, and method of transaction. You can check the cost of your Fee in your Truth in Lending Disclosure before you complete your Zip purchase.
Late Fees
If you do not make an installment payment on time, a late fee will be applied to your order. The late fee will be equal to (i) $7.00 or (ii) the amount set forth in the Truth in Lending Disclosure based on your state of residence if less than $7.00. If you incur such a late fee, then it is due and payable immediately unless we provide otherwise. The applicable late fee can be found by viewing your order’s Truth in Lending Disclosure in the Zip App or customer portal.
If you have any additional questions, please reach out to us at us-support@care.zip.co
You can visit the Customer Portal to check your order or installment status, update your payment info, and make a payment.
Payment Date Change Fee
At least 24 hours before an installment is due, you can update your payment date in the Zip app. Your first payment date change in a calendar month is free however any subsequent changes within that same month will incur a $2 fee. The "free" payment date change resets automatically on the 1st of each month.