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Buy Now, Pay Later

Buy today, and pay in 4 installments with Zip.

What is Zip?

Zip gives you the freedom and flexibility to get what you want now and pay for it over time.

How much does Buy Now, Pay Later cost?

Zip charges a small convenience fee ranging from $1 to $4 (based on the cost of your item) that is added to each installment.

Item Cost Convenience Fee
Under $200 $1 per installment ($4 over 6 weeks)
$200-$400 $2 per installment ($8 over 6 weeks)
$401-$600 $3 per installment ($4 over 6 weeks)
Over $600 $4 per installment ($8 over 6 weeks)

When are my Buy Now, Pay Later payments due?

Zip splits your purchase into 4 easy installments. Your first payment is due at checkout. Zip will bill the remaining three payments to your credit or debit card automatically, every two weeks.

1st Payment 2nd Payment 3rd Payment 4th Payment
At Checkout 2 weeks 4 weeks 6 weeks

Which listings are compatible with Buy Now, Pay Later?

Many listings on Swappa support Buy Now, Pay Later -- but finding a compatible listing is easy. Look for the Buy Now, Pay Later badge or Zip logo, or use the filter function to find compatible listings.

Image showing how to use buy now pay later
Image showing icon to indicate buy now pay later
Image showing where payment amounts are displayed

How to shop with Zip?

Find the perfect tech deal

Look for the Buy Now, Pay Later icon or filter search results to display compatible listings

Checkout with Buy Now, Pay Later

Choose Buy Now, Pay Later in the payment screen at checkout and get approved immediately

Enjoy your tech now, pay over time

Pay the first installment (25%) at checkout and the rest over time.

Frequently Asked Questions (FAQs)

Signing up for Buy Now, Pay Later is easy.

  1. Select Buy Now, Pay Later from the payment screen at checkout.
  2. Zip will ask for your mobile number and a few personal details such as your name, date of birth, and where you live. (Don’t worry; there’s no hard credit check, so this won’t impact your credit score.)
  3. Continue through the checkout process like normal. Simple as that.

Buy Now, Pay Later is open to nearly every Swappa member. In order to use Buy Now, Pay Later, you must:

  • Be 18 years or older
  • Live in the US
  • Have a valid mobile number
  • Make your purchase using a valid credit or debit card

Based on current US state tax laws, Swappa is required to calculate and collect sales tax for transactions destined to states where marketplace facilitator taxes apply. Swappa keeps a list of these states on Swappa's primary taxes page here.

Swappa does not charge any additional fees for calculating taxes, and the collection process applies to all sales on Swappa regardless of where the seller is located, as this is generally calculated according to the buyer’s shipping address. However, some states may calculate taxes based on where the seller is located. Read more here.

Swappa verifies listings before they go live, so returns are extremely rare. However, items are occasionally damaged in shipping and a return has to be made.

Contact Swappa Support and open a support ticket to initiate a return. After a return is approved, Swappa will notify Zip. Once Zip is notified, all future payments will be canceled, and you will get a full refund for what you’ve paid so far. In the event of a partial refund, future installments are reduced or canceled first, and paid installments are refunded after.

Eligibility criteria apply. CA resident loans made or arranged pursuant to a California Finance Lenders Law license. For full terms and conditions, visit Zip Terms of Service .

BNPL = Buy Now, Pay Later

Disclosure: This site contains affiliate links to other sites. We may receive commissions for purchases made through these links.

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