Create your account in moments and select Zip at checkout
We pay the store, you get the goods, nothing to pay today
Choose how you pay us back over time, interest free
The smarter way to pay for what
you want today
We give you one account with one monthly statement, no matter how many times you shop
No interest, hidden fees or upfront payments
Choose repayments that suit your lifestyle – weekly, fortnightly or monthly
We own easy
We only charge a $6 monthly account fee when you have an outstanding account balance.
If you pay off your balance by the due date, we’ll waive the fee.
That's it. Easy.
Zip Pay is a reusable account of up to $1000 that lets you shop now and pay later. No upfront payments and
interest free always. Make as many purchases as you like up to your account limit, then set up flexible repayments
to suit your lifestyle. Easy as.
Apply in moments and get approved for up to $1000 on the spot. Once approved, start shopping online and instore,
wherever you see Zip at checkout. That’s it - your purchase is all yours, with nothing to pay today. Interest
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.
To be eligible to apply for a Zip Pay account, you need to:
- Be an Australian citizen or permanent resident
- Be at least 18 years of age
- Have a valid Facebook or PayPal account, in your own name
- Have a valid debit card, in your own name
- Have not declared bankruptcy or insolvency
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.
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.