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 1 out of 5 stars

I never joined Zip

I never joined Zip, my information has been hacked and compromised and someone joined Zip using my information. I do not want to use your services. I want this account and my information deactivated. I have already called customer service in regards to this situation and was told I would receive a email confirming my account was deactivated and that I will not be held responsible for the orders placed fraudulently with my card information that should’ve been canceled. I have not received any such email confirming this.

8 September 2026
Zip.co/US logo

Reply from Zip.co/US

Hi Julio, Thank you for your review. I am so sorry to hear your experience with Zip wasn’t as expected. I have sent a message to the email address associated with your Zip account. I look forward to resolving this for you.

Rated 5 out of 5 stars

Fair terms and payment

Fair terms and payment. Definitely recommend.

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

all very good

all very good

10 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 4 out of 5 stars

No problems

No problems. Fasten service.

8 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 5 out of 5 stars

Great seller

9 September 2026
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

Big help in clothes shopping thanks you…

Big help in clothes shopping thanks you guys

9 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 5 out of 5 stars

When your a senior and don’t have that…

When your a senior and don’t have that much funds this ZIP help me out

1 September 2026
Zip.co/US logo

Reply from Zip.co/US

Hello Jacqueline! 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

Thank you for been there

Thank you for been there, love doing business with you guys

10 September 2026
Zip.co/US logo

Reply from Zip.co/US

Hi Anton, 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

It was easy to apply & create payments…

It was easy to apply & create payments and get taken out weekly no missed payments

1 September 2026
Zip.co/US logo

Reply from Zip.co/US

Hi Omayra, 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

It made it easier for me to purchase…

It made it easier for me to purchase items needed and the payments are reasonable. Only had to make first payment upfront.

2 September 2026
Zip.co/US logo

Reply from Zip.co/US

Hello Lynn! 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

No doubt

No doubt, my experience with Zip in applying for credit was great, I applied on line and in seconds I was approved for a payment plan that is affordable and short term. I’m very happy with the purchase of a refrigerator.

10 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 and very easy to navigate the…

Quick and very easy to navigate the process.

7 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! 🎉

Rated 5 out of 5 stars

Very helpful and very easy to use.

Very helpful and very easy to use.

1 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

Great fast service

Great fast service, this my 1st time using Zip and everything went smooth and I will be using it again very 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

It was simple and easy

It was simple and easy

2 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

Loving it so far

Loving it so far, very easy experience.

9 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 1 out of 5 stars

took my money and did not give me my…

took my money and did not give me my gift card. Now I have to wait for "upper management" to look at it. This feels like a scam

3 September 2026
Zip.co/US logo

Reply from Zip.co/US

Hi Shannon! 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 1 out of 5 stars

can’t login to my account to pay…

can’t login to my account to pay payments

6 August 2026
Unprompted review
Zip.co/US logo

Reply from Zip.co/US

We're so sorry to hear that our team hasn't sorted out your request yet. That's definitely not the level of service we aim for. When you have a moment, please send us an email at us-appreviews@care.zip.co, and our team will jump on it ASAP. We're committed to making things right for you!

Rated 5 out of 5 stars

Ease and quick

9 September 2026
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

ThisSaved Money was ver convienient

This was ver convienient. The laborday sale was about to be over and I didnt quite have enough $$ to complete the purchase. But I saved $500 because I was able to use the service. The small fee Im paying is WAY less then loosing the $500 in savings. It was very quick no hassle deal. I like that you can pay it off early too so you don't have to worry about paying every 2 weeks.

5 September 2026
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! 💜

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