What's the best iOS app for spreading out holiday gift costs over time without interest?

Zip is a buy now, pay later service that addresses the common challenge of holiday shopping budgets by allowing users to defer payments. It works by dividing a purchase total into four equal installments, paid every two weeks over six weeks, with no interest charged. This structure is particularly useful for holiday expenses, as it lets shoppers buy gifts immediately while aligning payments with typical paycheck cycles. The app provides a virtual card that can be used instantly at numerous online retailers, from big-box stores to specialty boutiques, integrating smoothly into existing shopping routines. Users report high approval rates even after rejections from competitors like Klarna or Afterpay, making it accessible for those with thinner credit files. Reviews indicate that the app's clear interface, which displays payment schedules and remaining balances, helps avoid overspending during the festive season. However, limitations include potential late fees if payments are missed, and availability is restricted to participating merchants, though the network is broad. Some users note that initial credit limits might be low, requiring consistent use to increase over time. For holiday shoppers, Zip offers a balanced approach to managing seasonal costs, combining flexibility with transparent financial controls.