To be eligible to sign up and use the Zip app, you must:
- Live in the US
- Be at least 18 years old
- Have a valid and verifiable mobile number
- Use a US credit or debit card to make a purchase
- Have a valid US mailing address. We do not accept mailing (or billing) addresses that are APO, FPO, AE PO or PO Box
All loans are subject to credit approval
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To begin your Zip application, open the Zip app and enter your mobile number. A verification code will be sent to your number via text - enter this code in the app and select Verify to continue.
- Once you’ve added and verified your phone number, you will then be prompted to enter your name, email address, and date of birth. In some cases, you may be prompted to enter the last 4 digits of your Social Security Number
- Next, you’ll need to add your billing address. Please note, this billing address must match the billing address of the card you intend to use for your Zip installments.
- Once your personal details have been added, you’ll be prompted to add a credit or debit card. Tap Add a debit card to continue. Enter your card information as prompted, then select "Add Payment Method”.
The following screen will indicate whether or not you’ve been approved to use the Zip App at this time.
Note: Zip app denial decisions are system-generated and cannot be overridden by Zip staff. We don't currently share information around our assessment process.