Home
Apply now
Sign Up

Peace of mind for your pet’s wellbeing

We understand that vet bills can be stressful. Zip lets you spread the cost and prioritise your pet's health and happiness.

4.9App store rating

    Enter the amount you want to spend and find out how much you'll need to repay.

    Apply now
    4.9App store rating

    Enjoy a stress-free clinic experience and focus on your furry friends’ comfort

    Whether it's a routine check-up or a necessary procedure, Zip helps you manage the expenses with flexible repayment plans. Enjoy the confidence of caring for your pet, and pay it off over time.

    How to sign up to Zip Money

    • New to Zip?

      2. Create your account in minutes

      3. Once approved, you can use Zip at your vet's clinic just like an existing customer (follow steps 1-4 beside)

      Sign up to Zip Money

    • Existing Zip Customer?

      1. Let your vet know you'd like to pay with Zip.

      2. Go to the 'Pay' tab on the Zip app and select 'Instore'

      3. Generate & Show your barcode at the front desk to pay with Zip

      4. Confirm your purchase and enjoy your pet's treatment

    Increase your limit

    If your current Zip Money credit limit doesn't cover the entire cost of your pet's treatment, you may be eligible for a credit limit increase.

    Submit your request in just minutes - we aim to respond within 48 hours.

    Apply for a credit limit increase

    How to apply to Zip Money

    • How Zip Money works

      • Credit limits from $1,000 - $50,0001

      • Interest free instalments from 3 to 60 months1

      • 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

      Get started

    • What you'll need to apply

      • Your mobile number, personal email and employment details

      • Your residential details

      • Your online banking login to verify your income

      • Your passport, driver licence or medicare details

      Get started

    Frequently Asked Questions

    • If your purchase amount is more than the available funds in your Zip account, you can make a co-payment via remote order with your debit card to cover the difference and complete your purchase.

      The maximum co-payment amounts are:

      • Zip Pay: $1,000
      • Zip Plus: $2,000
      • Zip Money: $5,000

    • You may be eligible for a credit limit increase on your Zip Money account if you meet the following criteria:

      • You've had your account for longer than 6 months since your first order.
      • You've made consistent repayments on your account for more than 6 months.
      • Your account is up-to-date and not overdue.
      • You haven't requested a credit limit increase in the last 6 months.

      If you meet the above criteria, you can apply for a credit limit increase. Here's how: To request an increase of up to $5,000:

      Login to your Digital Wallet

      1. Click on the Zip Money account tile
      2. Click the settings tab (located top right-hand corner) > 'Account limit increase'
      3. We'll be in touch with you shortly to advise if your request was successful.
      4. In the Mobile app

      Login to the Zip app

      1. Tap on the profile icon (located top right hand corner of the app screen)
      2. Tap 'Manage Zip Money' > 'Credit limit'
      3. We'll be in touch with you shortly to advise if your request was successful

      To request an increase of over $5,000:

      1. Please contact our Customer Experience team to make your request.

      Once you've submitted your request, our accounts team will review your application and contact you to advise of the outcome.

    • Sometimes when checking out with Zip, you might see the following message:

      "Your account is exclusive to a specific merchant".

      If your account is exclusive, this means that you are only able to make purchases at the merchant you initially signed up with. This may also be the cause of the issue if your instore code is being rejected at a specific retailer at the point of sale. The good news is, you may be eligible to have your account unlocked for general use. Please be aware, you may be assessed for a lower limit as part of this process.

    References

    • 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).
    • Apple, Apple Pay and the Apple App Store are trademarks of Apple Inc., registered in the U.S. and other countries and regions. Google, Google Pay, Google Play and the Google Play logo are trademarks of Google LLC. VISA is a trademark owned by Visa International Service Association and used under license. The Contactless Symbol is a trademark owned by and used with permission of EMVCo, LLC.