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The better way to pay

Zip Money. Make it easier to pay for big purchases

Apply for up to $50,000 and 60 months interest free*

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    How Zip Money works

  • Credit limits from $1,000 - $50,000*
  • Interest free instalments from 3 to 60 months*
  • No balance, no monthly account fee. Otherwise you’ll pay $9.95
  • Repay early at any stage with no penalty
  • Get Started

What you’ll need to apply

  • Your employment details
  • Your residential details
  • Your online banking login to verify your income
  • Your passport or driver licence
  • Get Started
    Get Started

    Take your purchase home

    • 1

      Visit store to select the product you want to purchase

    • 2

      Confirm total cost and interest free period with store

    • 3

      Checkout using your Zip Money account

    • 4

      You’ll pay nothing on the day you make your purchase

    • 5

      Set and track repayments in the app

    We're here for you

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      We're local

      Zip is Australian owned and founded.

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      We’re here to help

      Talk to our Sydney-based customer service 6 days a week

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      We’re almost everywhere

      Shop online and instore at over 40,000 Zip partners

    Get Started

    Frequently Asked Questions on Zip Money

    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.


    *Zip Money - Interest free term subject to minimum spend and promotional partner offer. Available to approved applicants only and subject to completion of satisfactory credit check. Instalment plan splits eligible purchases of $300 and above into equal repayments within the interest free period. The repayment advertised will repay the transaction balance within the interest free period. A monthly account fee of $9.95 will also apply and a one-off establishment fee may apply for new customers. Minimum monthly payments are required -paying only the minimum monthly repayment may not necessarily repay a purchase within the interest free period. Any balance outstanding at the expiry of the interest free period will be charged at the applicable variable rate. The applicable standard variable rate is 25.9% per annum, as at 1 May 2023. Interest, fees and charges are subject to change. Terms & conditions apply and are available on application. See your contract for further details. Credit provided by ZipMoney Payments Pty Ltd (ABN 58 164 440 993), Australian Credit Licence Number 441878.
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