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Affirm: Buy now, pay over time
Affirm: Buy now, pay over time Vs. Zip - Buy Now, Pay Later

Affirm: Buy now, pay over time vs Zip - Buy Now, Pay Later Usage & Stats

Pay over time with Affirm online, in-store, and in the app. Plus, eligible customers can get the Affirm Card™ to use anywhere Visa is accepted in the U.S., or pay with Affirm on Apple Pay. Why you’ll love the Affirm app: • See your purchasing power front and center • Shop brands with clear, flexible payment options • Discover deals, 0% APR options, and plans over 12 months • Set up AutoPay or easily make early or one-time payments • Open a high-yield Affirm Money Account with no hidden fees • Request to pay over time with the Affirm Card online or in-store Take your Affirm Card everywhere: • Get a physical card and use it anywhere Visa is accepted in the U.S. • No credit impact to apply, and no card or annual fees • Discover 0% APR options or flexible plans at top brands, in-store and online • Request a payment plan in the app before or after checkout. Minimum purchase may be required for payment plans. See footer for details. Purchasing power is an estimate and may include a down payment at checkout. Approval and terms aren’t guaranteed. The Affirm Card is a VisaⓇ debit card issued by Evolve Bank & Trust (Evolve), Member FDIC, pursuant to a license from Visa U.S.A. Inc. Affirm is not a bank. FDIC insurance will only cover the failure of Evolve. Learn more at https://www.fdic.gov/resources/deposit-insurance/. Pay-over-time plans must be applied for each purchase in the mobile app, are subject to eligibility checks and are provided by affirm.com/lenders. Minimum purchases are required for pay over time plans; the amount is located in the Card tab of the app. For purchases that are not approved for and matched to a payment plan, you authorize Affirm to initiate an ACH debit from your linked bank account within 1-3 days of the purchase. CA residents: Loans by Affirm Loan Services, LLC are made or arranged pursuant to a California Finance Lenders Law license. For licenses and disclosures, see affirm.com/licenses. Rates from 0 - 36% APR. For example, an $800 purchase could be split into 12 monthly payments of $77.99 at 30% APR, or 4 interest-free payments of $200 every 2 weeks. Loan options vary, are subject to eligibility, and may depend on whether your loan is applied for before or after your card purchase. There are minimum purchase amounts for loans, a down payment may be required, and may not be available in all states. Affirm is not a bank. The Affirm Money Account is issued by Cross River Bank (CRB), Member FDIC, and is insured up to the federal limit of $250,000. The federal limit applies to all money held by you at CRB, and FDIC insurance will only cover the failure of CRB.

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Zip - Buy Now, Pay Later

Zip gives savvy shoppers more freedom and flexibility with our buy now, pay later platform. It’s a smarter way to stretch your funds. SPLIT ANY PURCHASE IN 4². Shop your favorite brands and pay with your linked account in 4 installments over 6 weeks²…Get approved instantly, with no application forms or hassle³. PAY LATER WITH ZIP WHERE YOU WANT¹, ONLINE OR IN-STORE Install our app and use Zip pretty much anywhere¹, you shop—whether online or in-store. Add Zip to your Apple Wallet or Google Pay for easy access. THE SMART ALTERNATIVE TO CREDIT CARDS No hard credit checks, and no impact on your credit score—ever. We’ll let you know when installments are due so you’re on top of every payment. HOW DO I USE ZIP? 1. Install the app and sign up to start shopping³. 2. Search for anything you wish to purchase 3. Enter the amount you’d like to spend (including any taxes or shipping costs!). 4. Your purchase will be split into 4 easy installments over 6 weeks². Easily track your spending, view transaction history, and manage open payments in the app. 5. Update or change your account details, including payment method, any time. 6. Get answers to frequently asked questions and contact our support team directly from the app. CONNECT WITH US For daily style tips, lifestyle hacks, and up-and-coming brands you’ll love, follow us on Instagram. http://instagram.com/zip.us ___ Loans through the Zip app are originated by WebBank, except for Zip originated loans in CO, NV, MA and MD. ___ ¹Zip can only be used for US purchases. Certain merchant, product, goods, and service restrictions apply. ²For a $335 purchase, you’d make four $85.25 payments every two weeks starting today for a 31.11% annual percentage rate and a total of payments of $341. A $6 installment fee is charged at commencement - you pay $1.50 of this fee as a prepaid finance charge when you make your initial payment today. The remaining $4.50 is included in your future payments. Minimum purchase of $35 required. Estimation of installment payment and annual percentage rate excludes potential tax and shipping costs. Installment fees are $4 for purchases from $35 to $99.99, $5 for purchases from $100 to $199.99, and $6 for purchases $200 and above. Zip Pay Anywhere financing through Zip issued by WebBank, except for Zip originated loans in CO, NV, MA, and MD. All loans subject to credit approval. ³Eligibility criteria apply. See payment terms: https://zip.co/us/quadpay-terms-of-service. Loans to California residents, other than loans through the Zip App and Zip Card, are made or arranged pursuant to California Lenders Law license.