I signed up to zippy and have bought several outfits this way/ Compared to credit card interest zippy is a bargain. Minimum payment per month is $40 which comes off your balance plus $5 service charge so $600 purchase would take 15 payments and cost just $75 that's a lot less than a credit card @23% per month plus charges Soo I don't know what school of maths the first poster went too. Anyway if you don't want those charges at all pay it off earlier which is what I did. Added to which the dresses are gorgeous and will last forever. Love KDM