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Zip Co Limited has introduced Pay in 2, a new short-term installment option that allows U.S. consumers to split eligible purchases into two equal payments over two weeks. This addition complements Zip’s existing Pay in 4 plan, which spreads larger purchases over six weeks. Pay in 2 targets everyday spending and cash flow management within a single billing cycle, giving customers greater choice and control without long-term commitments or high-interest credit alternatives.
Zip continues to evolve its product suite based on direct customer feedback, focusing on underserved Americans who seek accessible, transparent alternatives to traditional credit. Pay in 2 provides a quick, low-commitment way to handle routine purchases while maintaining affordability and simplicity. The shorter repayment window aligns with typical pay cycles, reducing the need for ongoing tracking and helping users avoid the stress of longer-term debt.
“Pay in 2 feels manageable and intentional, fitting naturally between paychecks,” said Destiny Modeste, a Zip customer. “It wraps up quickly, before it becomes something I have to track, which makes those everyday moments feel genuinely stress-free.”
"We are constantly listening to our customers to understand how they want to pay and are committed to empowering them with alternatives to traditional high-interest credit products," said Joe Heck, US CEO at Zip. "Pay in 2 offers the flexibility to bridge the time between paychecks for smaller, recurring purchases without the commitment of a longer installment plan."
The launch follows a successful pilot that confirmed consumer preference for shorter-duration options tailored to daily spending. With strong intent for repeat usage, Pay in 2 is positioned to become a core part of Zip’s offerings in the U.S. market.
Zip is rolling out a promotional incentive to encourage early adoption. From February 9 through February 15, 2026, the first 100 customers daily who complete a Pay in 2 purchase will qualify for one year of waived origination fees on all future Pay in 2 orders, subject to terms and conditions.
Loans through Zip are originated by WebBank and subject to credit approval.
About Zip
Zip Co Limited is a digital financial services company, offering innovative and people-centred products. Operating in two core markets - Australia and New Zealand (ANZ) and the United States (US), Zip offers access to point-of-sale credit and digital payment services, connecting millions of customers with its global network of tens of thousands of merchants.
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