Want it

Create your account in moments and select
Zip at checkout

Get it

We pay the store,
you get the goods,
nothing to pay today

Own it

Choose how you pay
us back over time,
interest free

Create your account
Reusable account

We give you one account with one
monthly statement, no matter
how many times you shop

Interest free

Easy interest free terms.
No hidden fees or
upfront payments

Flexible payments

Choose repayments that suit your lifestyle – weekly, fortnightly
or monthly

Create your account
We own easy

We make it easy for you to never pay interest again. Simply pay off your purchase before the interest free period ends, and you get to enjoy what you love even more.

Interest free. Easy as.
Create your account
FAQs
  • What is Zip Money?
    Zip Money is a reusable account that lets you buy now and pay later. Shop online and instore up to your account limit, then set flexible repayments to suit your lifestyle. There’s no deposit and every purchase comes with it’s own interest free period.
  • How does it work?
    Apply and get a decision in minutes. Once approved, start shopping online and instore, anywhere you see Zip at checkout. That’s it - the items are all yours, with nothing to pay today. Simply pay over time with great interest free terms on every purchase.
  • How do repayments work?
    Your first payment won’t be due until the end of next month. When you open your account, we’ll set up a monthly payment of $40 (or less if the amount you owe is under $40). This will come from your linked debit card on the last day of each month and run until your purchases are paid off.

    Finally, if there’s nothing owing on your account, there’s nothing to pay. Your account simply remains active until you’re ready to make a purchase.
  • Am I eligible for Zip Money?
    To be eligible to apply for a Zip Money account, you need to:

    • Be an Australian citizen or permanent resident
    • Be at least 18 years of age
    • Be employed in some capacity, earning more than $300 per week
    • Have not declared bankruptcy or insolvency

    We’ll then apply our lending criteria to each application.
  • What are the fees?
    Zip Pay is 100% interest free, always. There’s a $6 monthly account fee, this monthly fee is waived if your closing balance is paid by the due date. No balance no fee. And you’ll pay nothing upfront - there are no setup fees and no hidden charges.
    If you don’t meet your minimum monthly repayment, a $5 late fee may apply. That’s it.
  • How do refunds work?
    Start by speaking to the retailer - if they agree, they will process the refunded amount which will appear back in your Zip account. If a refund puts your Zip account in credit, you can contact us to have the amount refunded to your bank account instead. Or, simply use it for your next purchase.
More FAQs
Zip is an Australian ASX listed company.

Visit zip.co
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