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👟 Loans for Sneakers & Shoes

Never miss a drop again. Finance your grails, limited editions, and must-have kicks with flexible payments that work for you.

👟 Sneaker Financing

Cop Now, Pay
Over Time

We get it - the sneaker game moves fast. When a limited release drops or you finally find your grails at a reseller, you need to act quickly. But dropping $300, $500, or even $1,000+ on kicks all at once isn't always feasible. That's where ZipCoApply comes in.

Our personal loans let you cop the sneakers you want and spread the cost over manageable monthly payments. Whether it's the latest Jordan retro, rare Nike Dunks, Yeezy releases, or designer collaborations, don't let money be the reason you miss out on heat.

✓ Limited edition releases
✓ Resale market purchases
✓ Multiple pairs at once
✓ Designer collaborations
Get Funded for Sneakers →
Sneakerhead showing off collection with zip loan
🔥 Popular Purchases

What Sneakerheads Finance

From retros to limited drops, here's what our customers are copping with their loans.

🏀

Jordan Retros

AJ1s, AJ4s, AJ11s and all the classic silhouettes that never go out of style

✓

Nike Dunks & SBs

Low tops, high tops, collabs - the silhouette that's taking over streetwear

🌊

Yeezy & Adidas

350s, 700s, Slides, and more from the iconic Yeezy line and Adidas collabs

⭐

Designer Collabs

Travis Scott, Off-White, Sacai, and other high-end designer partnerships

💰 Real Examples

See How Sneaker Financing Works

Here's what your payments might look like for popular sneaker purchases.

👟

Single Grail Purchase

$500
6-month plan: ~$89/month
12-month plan: ~$47/month

*Based on 24.99% APR. Your rate may vary.

POPULAR
👟👟

Rotation Upgrade

$1,500
12-month plan: ~$142/month
18-month plan: ~$97/month

*Based on 24.99% APR. Your rate may vary.

🏆

Collection Builder

$3,000
18-month plan: ~$194/month
24-month plan: ~$152/month

*Based on 24.99% APR. Your rate may vary.

Calculate Your Payment →
💡 Pro Tips

Smart Sneaker Financing Tips

Get the most out of your sneaker loan with these insider tips.

🎯 Know Before You Go

Research release dates and resale prices before applying. Having a clear budget helps you request the right loan amount and avoid over-borrowing.

⏰ Apply Early for Drops

Don't wait until the last minute. Apply for your loan a few days before major releases so you're ready to cop when the sneakers drop.

💰 Consider Resale Value

Some sneakers appreciate over time. If you're financing investment pieces, they might be worth more by the time you pay off the loan!

❓ FAQs

Sneaker Loan Questions

Absolutely! Once approved, the funds are deposited directly into your bank account. You can use them to buy from StockX, GOAT, eBay, local consignment shops, or any other legitimate seller. The money is yours to spend wherever you find your kicks.
Most applicants receive a decision within minutes. Once approved and you accept the terms, funds can be in your account as fast as the same business day. We recommend applying at least 24-48 hours before a major release to be safe.
You can use the funds for any sneaker purchase, not just one specific pair. If you miss a drop, you can still use the loan on the resale market or for other sneakers you want. The funds are flexible for any footwear purchase.
Yes! With loans up to $5,000, you can build your rotation with multiple pairs. Many sneakerheads use their loan to cop 3-5 pairs at once and spread the cost over comfortable monthly payments.

Ready to Cop Your Grails?

Don't let limited funds stop you from building your dream collection. Apply now and get funded fast!

Apply for Sneaker Financing →