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Pay for your IVF treatments with Zip Money

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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.

4.9App store rating

    Enter the amount you want to spend, to find out available interest free offers.

    Apply now

    How to apply to Zip Money

    • How Zip Money works

      • Credit limits from $1,000 to $30,000*

      • Flexible repayments from $10/week

      • 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

    Reviews from the App Store

    Excellent experience using zip to pay for my Monash IVF treatment.

    Verified

    Thank you for creating this app seriously made things more affordable to get a baby on the way. I would highly recommend.

    Verified

    Zip is everything and more. It has helped me out heaps and because the payments are flexible it brilliant. I have a regular payment going out each week and I choose how much I pay. Love Zip.

    Verified

    Simple 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.

    Verified

    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.

    • When applying direct with Zip.co you can apply for up to $5,000 with Zip Money*.

      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.

    • Yes, you can repay early with no penalty which makes repayment with government rebates easy!

    References

    • * Zip Money. The interest free period is the maximum period of time when no interest is charged on the purchase. The availability of the interest free period for a purchase will depend on the purchase amount, the minimum monthly repayment and account status. Minimum monthly repayments are required and vary according to credit limit. Minimum monthly repayments may require repayment of the purchase prior to the expiry of the maximum interest free period. In other cases, paying only the minimum monthly repayment may not repay the purchase in the interest free period. Any purchase amount 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. Zip Money is available to approved applicants and subject to completion of a satisfactory credit assessment. A monthly account fee of $9.95 applies and a one-off establishment fee may apply for new customers. Other charges may be payable, see T&Cs. Interest, fees and charges are subject to change. Terms and Conditions apply and are available on application. Credit provided by ZipMoney Payments Pty Ltd (ABN 58 164 440 993), Australian Credit Licence Number 441878.