The better way to pay | Zip
How to pay instore and online
How Zip Money works
Credit limits from $1,000 to $50,000*
Interest free instalments from 3 to 60 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 55,000 Zip partners
Loved by millions of shoppers globally and counting
My favourite digital wallet
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.
VerifiedSuch a great app.
I am very organised when it comes to my finance and having zip makes my shopping activity easier and convenient, especially doing online shopping.
VerifiedBorrowing made easy.
Zip is providing outstanding financial services to support in hard times and making my life easier throughout by flexibility in repayments.
VerifiedI cannot fault ZipPay or ZipMoney.
The Zip app works great for both online and in-store purchases. I am in Australia, all works flawlessly! The updates, receipts etc via email are on point, not at all spammy!!
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.
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. Instalment plans split eligible purchases of $300 and above into equal repayments within the interest free period. Eligible purchase excludes gift cards. 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).