Zip.co/US Reviews 

39,500
TrustScore 4.5 out of 5

4.5

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Review summary

Created with AI, based on recent reviews

Looking at 8,859 reviews, reviewers overwhelmingly had a great experience with this company. Customers frequently praise the digital application for being exceptionally easy to navigate, allowing users to effortlessly split their everyday purchases into manageable payment plans. Consumers consistently note that these flexible financing options provide wonderful relief for tight budgets, making larger purchases much more accessible and entirely stress-free. However, some people mentioned experiencing frustrating technical difficulties with the mobile application, including persistent errors when attempting transactions. A few other people also felt that payment processing can be quite problematic, noting unexpected transaction issues or delays involving merchants.

What people talk about most

User experience

Consumers find user experience to be positive, highlighting that the application is simple, fast, and very... See more

Payment

Reviewers highlight ambiguous aspects of payment, expressing both appreciation and frustration regarding the... See more

Service

Customers had positive experiences with service, highlighting fast approvals and convenient payment options... See more

Product

Users describe positive interactions with product, expressing appreciation for the ability to shop now and... See more

Application

People report positive experiences with application, highlighting that the platform is very nice, convenient,... See more

Reviews shaping this summary

Rated 5 out of 5 stars

My experience using ZIP for the first time went better than I expected. I was worried at first that I wouldn't be approved for it but the whole process to setup this as a payment method was easy and s... See more

Company replied

Rated 5 out of 5 stars

I never heard of the company before but I am so glad that I did! While checking out for an online purchase, I seen the option to pay over time and I decided to give it a try! I’m glad I got approved q... See more

Company replied

Rated 5 out of 5 stars

Zip is so easy and helpful! I’m very pleased with Zip, because Zip makes my purchases a pleasure. Just knowing that I can use this service to buy things I need without worrying about taking an immedi... See more

Company replied

Rated 5 out of 5 stars

Made the experience quick and easy! Would definitely go thru them again and again! Show was awesome and sound quality was great all around. Weather was perfect and venue was awesome. I'd would even 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

40K reviews

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Asks customers to review

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4.5

All reviews

(39,500)

9,005 reviews in the last 12 months

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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

Payment plan works for me

Payment plan works for me

12 September 2026
Unprompted review
Zip.co/US logo

Reply from Zip.co/US

This is what we love to hear! We’re so happy you’re loving the Zip experience. If you ever want to chat, please reach out to us at us-appreviews@care.zip.co. We’re always here to help! 💜

Rated 5 out of 5 stars

It's quick and easy

9 September 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

Quick Decision, Efficient Checkout

The decision was quick, and the overall process efficient.

4 September 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 simple to use and very helpful for…

Very simple to use and very helpful for tight spots.

4 September 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 a great experience waiting to…

It was a great experience waiting to see if I would be accepted. IIT only took a few minutes and the payments are very affordable.

4 September 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

Love the system and how it’s going so…

Love the system and how it’s going so far and how the payments were comfortably spaced

9 September 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

Eazy to set up

1 September 2026
Zip.co/US logo

Reply from Zip.co/US

Hi Floyd! Thank you for choosing Zip as your payment option for your purchases. We are grateful for your support, and we're always here to assist you with any questions or concerns you may have. Please feel free to reach out to us at us-appreviews@care.zip.co for any additional support. Our team is always ready to help! ☺️

Rated 1 out of 5 stars
Zip.co/US logo

Reply from Zip.co/US

Hello Edgar! Thank you for your review, and we're sorry for any issues you've encountered with Zip. We've emailed you at the address associated with your Zip account. Please reply to that email if you have further questions or concerns. We value your feedback and are here to help!

Rated 5 out of 5 stars

Blessed

I just feel blessed to be able to use my Zip especially when things are tight for me!!

11 September 2026
Zip.co/US logo

Reply from Zip.co/US

Hello Roshell! Thank you for choosing Zip as your payment option for your purchases. We are grateful for your support, and we're always here to assist you with any questions or concerns you may have. Please feel free to reach out to us at us-appreviews@care.zip.co for any additional support. Our team is always ready to help! ☺️

Rated 5 out of 5 stars

Love the app

10 September 2026
Zip.co/US logo

Reply from Zip.co/US

Hi Alima, I 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

Good service

Quality of life good customer service is number one

11 September 2026
Zip.co/US logo

Reply from Zip.co/US

Hi Reginald, I 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

Excelent and easy to use

11 September 2026
Zip.co/US logo

Reply from Zip.co/US

Thank you for your review! We are so happy to hear you’re enjoying the Zip experience. If you ever have questions, please don’t hesitate to reach out. You can always reach us at us-appreviews@care.zip.co. We’re here to help! ❤️️

Rated 2 out of 5 stars

If I place an order for the first time…

If I place an order for the first time .. how come is canceled and I made the payment on time .. I don't know I'm confused using this . Because is taking the power down but the order is canceled don't understand

6 September 2026
Zip.co/US logo

Reply from Zip.co/US

Thank you for your review.

We are so sorry to hear this! We are more than happy to look into what happened here. Please reach out to us at
us-appreviews@care.zip.co or provide your contact details to Trustpilot so that we can follow up.

Rated 5 out of 5 stars

Fast and easy payment setup

Fast and easy payment setup. Incredible delivery drivers!

8 September 2026
Zip.co/US logo

Reply from Zip.co/US

Hi Cort! Thank you for choosing Zip as your payment option for your purchases. We are grateful for your support, and we're always here to assist you with any questions or concerns you may have. Please feel free to reach out to us at us-appreviews@care.zip.co for any additional support. Our team is always ready to help! ☺️

Rated 5 out of 5 stars

1st time user & Impressed

This is my 1st time using Zip & I must say I am very pleased. The app is very easy to navigate & use & the options on the various companies Zip is connected to are amazing. I wish I had discovered zip long before now.

30 August 2026
Zip.co/US logo

Reply from Zip.co/US

Hello Danetta! Thank you for sharing your positive experience with Zip! We’re so glad to hear you found our payment solution convenient and easy to use. Providing a reliable and trustworthy service is important to us, and we’re grateful to have you as part of the Zip community. 💜

Rated 5 out of 5 stars

It’s been great

It’s been great

7 September 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

It comes in handy but by me paying off…

It comes in handy but by me paying off all my payments I only got a $25 increase and that is totally not fair.

10 September 2026
Zip.co/US logo

Reply from Zip.co/US

We appreciate your review and are thrilled to hear that you're enjoying the Zip app! Your satisfaction is important to us, and we're always here to make your experience even better. If there's anything we can do to turn your experience into a 5-star one, please reach out to us directly at us-appreviews@care.zip.co. We're ready to assist you!

Rated 5 out of 5 stars

Extremely user friendly

It was so easy to apply and get approved. I'm so excited to be able to shop now and pay off my purchase over time. I would definitely shop with Zip again and I highly recommend them!

8 September 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 get everything that I…

I was able to get everything that I need. And make payments on it. I had a very good experience with zip. I will be using them again soon

7 September 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

This place is great

This place is great

10 September 2026
Unprompted review
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! 🎉

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