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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

Learn more
Reusable account

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

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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.

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FAQs
  • What is Zip Pay?
    Zip Pay is a reusable account 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. Limits apply, please contact or visit your nearest store for further details.
  • How does it work?
    Apply for on the spot approval in moments. 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. Limits apply, please contact or visit your nearest store for further details.
  • 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 Pay?
    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
  • 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
Terms & Conditions: ¶ Available to approved applicants only. Minimum monthly repayments are required. A monthly account fee of $6.00 applies. Pay your closing balance in full each month and we'll waive the fee. Terms & Conditions apply and are available on application. See your contract for further details. Credit provided by zipMoney Payments Pty Limited (ABN 58 164 440 993, Australian Credit Licence Number 441878).
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