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Benefits of ZIP


Credit up to ₹60,000

Get money to spend at more than 1 lakh brands as per your need

Minimal documentation

Minimal Documentation

With just basic identification details, you can get access to the funds

No Interest

No Interest

Settle the bill on time and enjoy 0% interest facility

credit score

Build Credit Score

Repay your bill on time to build and improve your credit score.

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Steps to avail ZIP

1Download the MobiKwik app & sign up

2Tap on 'ZIP'

3Click on 'Activate ZIP'

Activate Now

How can ZIP help you?

Get started with ZIP Pay Later today!

Download the app and spend at 1 Lakh+ brands like never before!

ZIP Pay Later is a special small credit offering by MobiKwik. ZIP pay later option enables users to get up to Rs 60,000 which can be used to pay bills, shop for clothes, groceries, electronics, order foods, medicines and much more. With ZIP, users can essentially shop at 1 Lakh+ brands simply from the comfort of their home using MobiKwik and just pay later. ZIP is applicable on brands across the country like Swiggy, Zomato, Flipkart, Myntra, Pharmeasy and others. Read More

What does It Offer?

ZIP Pay Later loan equips users with up to Rs 60,000 at 0% interest* which can be used at their favourite brands to shop, order groceries, medicines, food, pay bills and much more. The ZIP balance can be checked by simply clicking on ZIP icon. The ZIP bill is generated twice a month, every 15 days. ZIP is one of the special Pay later options in which the credit allowance increases as the usage increases. So for example, a user might be disbursed just Rs 5000, but if they keep repaying the ZIP bill on time, their credit limit increases and can go up till anywhere up to Rs 60,000.

How Do I Avail the ZIP PayLater option?

It is very easy to avail ZIP on MobiKwik which enables users to shop now, pay later. All one needs to do is just follow the below mentioned steps.

  1. Download the MobiKwik app & sign up
  2. Click on ‘See All Services’
  3. Now click on ‘ZIP/ Pay Later’
  4. Now click on ‘Activate ZIP’

And that’s it! Users will be allowed a credit up to Rs 60,000 as per their credit history. The disbursed amount can be used to shop at more than 1 Lakh brands and take advantage of buy now, pay later with MobiKwik.

Why Choose ZIP Pay Later by MobiKwik?

There are several reasons why a user should opt for pay later apps like MobiKwik. Few reasons are mentioned below.

  • Improves Credit Score-

    Repayment of bills on time enhances the user credit score. First time credit availers will be benefited since they can use this product to build a decent credit score which will help them in future to get good interests and high amount loans.
  • No More Money Shortage-

    Since ZIP can be used on 1 lakh+ brands, users don't really have to worry about money shortage because ZIP can help them out at that moment and they can repay the bill after 15 days, which essentially gives them a breathing window.
  • Hassle Free-

    ZIP involves minimal documentation and no collateral unlike other credit facilities so it's hassle-free and easy to avail for anybody.
  • 0% Interest-

    The ZIP amount is credited at 0% interest to all the users if the bill is paid on time.

Frequently Asked Questions

  1. How does PayLater work?

    ZIP Pay Later is very easy to use. You get a credit up to Rs 60,000. You can use that money to pay bills, order groceries, food, medicines or shop for anything online and simply pay the bill via ZIP. Your ZIP bill will be generated twice a month, after 15 days. So this means you can shop all you want and simply pay it back later. The credit disbursed to a user via MobiKwik is at 0% interest if the bill is paid on time.

  2. Where can we use PayLater?

    ZIP Pay Later can be used at 1 Lakh+ brands to order groceries, medicines, food, clothes, electronics; pay bills like electricity, gas, water, DTH Recharge, mobile; or shop for anything online as per your necessity or wish.

  3. How can I use Paylater?

    Your Zip balance will be available on merchants to use. So, while making payment on any online brand, you just have to choose MobiKwik as your preferred payment mode and your transaction will immediately get through! Yes, it’s that quick and instant.

  4. How can I get the PayLater facility?

    You can avail ZIP Pay Later facility by MobiKwik. It is very easy to activate. You just need to sign up on the MobiKwik app, click on ‘See All Services’, then click on ‘ZIP/ Pay Later’. Now you just have to click on ‘Activate ZIP’ and voila! It’s done.

Also, Look For: ZIPloan Loan EMI payment
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