Pay for your IVF treatments with Zip Money
The better way to pay
Zip Money makes it easier to pay for IVF treatments.
Starting a family can be expensive, that's why we've partnered with leading providers to offer credit with interest free terms* to help spread the large upfront cost of IVF treatments over time.
Enter the amount you want to spend and find out how much you'll need to repay.
How to apply to Zip Money
How Zip Money works
Credit limits from $1,000 to $30,000*
Interest free instalments from 3 to 24 months*
No balance, no monthly account fee. Otherwise you'll pay $9.95
One-off establishment fee up to $99 may apply
Repay early at any stage with no penalty
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
We're here for you
We're local
Zip is Australian owned and founded
We're here to help
Talk to our Sydney-based customer service 6 days a week
We're almost everywhere
Shop online and instore at over 58,000 Zip partners
Supporting over 2,400+ customers with IVF services since 2020
Excellent experience using zip to pay for my Monash IVF treatment.
VerifiedThank you for creating this app seriously made things more affordable to get a baby on the way. I would highly recommend.
VerifiedSimply awesome to have! Knowing that instalments are calculated evenly with your interest free period makes purchasing and paying super easy and affordable! LOVE it!!!
VerifiedSimple app easy to navigate, makes purchasing easy & you're in control when it comes to your repayments. I've now been using zip money for 4 years and absolutely love it & recommend to all my friends.
VerifiedFrequently 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.
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 repayments1.
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 free1. 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.
Yes, you can repay early with no penalty which makes repayment with government rebates easy!
References
- * 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. The repayment advertised will repay the transaction balance within the advertised interest free period. A monthly account fee of $9.95 applies and a one off establishment fee may apply for new customers. Under the contract, minimum monthly repayments are required and will vary depending on your credit limit. Instalment plans split eligible purchases of $300 and above into equal repayments within the interest free period. If you turn off instalments, transactions will be reverted to the minimum monthly repayment. 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 standard variable interest rate, 25.9% per annum, as at 1 June 2023. Other charges may be payable, see T&Cs. 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).
- 1 Zip Money Instalments: Available to approved applicants only and subject to completion of satisfactory credit check upon application. Instalment plan splits eligible purchases of $300 and above into equal repayments within the interest free period. A monthly account fee of $9.95 applies and a one off establishment fee may apply for new customers. Additional charges may apply, see T&Cs. Under the contract, minimum monthly repayments are required and will vary depending on your credit limit. If you turn off instalments, all future transactions will be reverted to the minimum monthly repayment. Paying only the minimum monthly repayment amount will generally not repay out the purchase within the interest free period. Any balance outstanding at the expiry of the interest free period will be charged at the applicable standard variable interest rate of 25.9% per annum, as at 1 June 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).