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. We give you one account with one monthly statement, no matter how many times you shop.
Interest-free No interest, hidden fees or upfront payments. Flexible payments Choose repayments that suit your lifestyle – weekly, fortnightly or monthly. 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. What is Zip Pay? 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.
How does it work?
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-free always.
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.