The better way to pay

Applications take around 5 minutes to complete. Make sure you have your online banking login details, proof of identity and employment information handy to help with a speedy application. Most applications are decided within the same business day, however applications submitted on weekends or that require further information may take longer.

When applying direct with Zip.co you can apply for up to $5,000 with Zip Money, every purchase you make will automatically come with 3 months interest free on repayments*.

If you are looking to make a specific purchase via one of our retailer partners you may be able to apply for credit limits up to $50,000 and receive up to 60 months interest free*. Use the calculator at the top of this page to find out if the merchant you are shopping with has extended interest free terms.

Repayments are automatically direct debited from the payment method that you added when you created the account. You can change the payment method at any time and the frequency of your payments to weekly, fortnightly or monthly as long as you're covering the minimum monthly repayments. Choose what works best for you.

If you return goods to a retailer and they agree to a refund, your Zip account will be credited with the agreed refund amount. The funds will then be put towards your owing balance or depending on the refund amount your account may be placed in credit.