Zip's Important Information

Looking for more information on our products? We’ve created this one-stop-shop for you to get all the information on our products like Zip Pay, Zip Plus, Zip Money and Zip Personal Loan.

Target Market Determinations

Zip has made a Target Market Determination (TMD) for each of our consumer products that you know and love, Zip Pay, Zip Plus, Zip Money and Zip Personal Loan.

View Target Market Determinations

Zip Pay

Learn more about our Zip Pay account.

• Zip Pay Terms and Conditions
• Buy Now Pay Later Code of Practice
• Zip Visa Card Terms and Conditions (Last updated 04 March 2025)
• Single-use Card Terms and Conditions (Last updated 04 March 2025)
• Payment Terms (Last updated September 2023)

Zip Plus

Learn more about our Zip Plus account.

• Zip Plus Terms and Conditions
• Zip Visa Card Terms and Conditions (Last updated 04 March 2025)
• Single-use Card Terms and Conditions (Last updated 04 March 2025)
• Payment Terms (Last updated September 2023)

Zip Money

Learn more about our Zip Money account.

• Zip Money Terms and Conditions
• Merchant / Subscription Terms and Conditions (Last updated 05 August 2021)
• Single-use Card Terms and Conditions (Last updated 04 March 2025)
• Payment Terms (Last updated September 2023)

Zip Personal Loan

Learn more about our Zip Personal Loan account.

• Payment Terms (Last updated September 2023)

Privacy

• Privacy Policy
• Privacy Electronic Authorisation

Full Product Protection

• Policy wording, Product Disclosure Statement and Financial Services Guide (Last updated 18 July 2022)
• Zip Financial Services Guide (Last updated 18 July 2022)
• Target Market Determination (Last updated 14 August 2023)

Zip Business Capital

• Loan Terms & Conditions
• Code of Lending Practice
• Responsible Lending Policy

Zip Business Trade

• Zip Business Trade – Terms and Conditions
• Privacy Policy

Zip Business Trade Plus

• Zip Business Trade Plus – Terms and Conditions
• Privacy Policy