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Shop at 99 Bikes with Zip

Pay for your next 99 Bikes purchase with Zip and repay monthly, fortnightly or weekly.

99 Bikes

Why choose Zip?

  • Sign up in minutes

    Applying is fast and easy so you can start shopping today!

  • Shop just about everywhere

    Shop at all your favourite places, online and instore, with the Zip app.

  • Flexible repayments

    You're in control by paying later at your own pace.

How to pay with Zip at 99 Bikes in 3 simple steps

Loved by millions of shoppers globally and counting

Reviews from the App Store

Best buy now pay later option available.

Out of all the buy now pay later companies, ZipPay has the most option available for using in store and online having the create temporary card feature and apple wallet tap and pay features.


In Love with Zip Pay.

I wish I could give them more than 5 stars! Lucky to be born in the world of Zip, helped me get through many difficult times. Thank you so much Zip Pay. I love you!


Very helpful in need!

Zip is very helpful when you don't have money in your savings or credit card. Instalment payments are very flexible.


Zip is the best among them

I’ve used all the other platforms, and I think none is close to Zip. The flexibility and unlimited nature of transactions from BPay to Credit Card to in app purchasing. None of the others come near to it.


Just love knowing I have Zip

I feel I have my own independence being able to have a system like Zip. I can purchase items I love for myself and for others too. To be able to pay back what I can afford without breaking the budget.



Literally - In Store or Online - Virtually on ANY (well almost) kind of purchase.


Always there

If find Zip really easy to use and always there when I need them. Hassle free and paying back is easy too.


Convenient and helpful

When purchased big ticket item it’s so convenient to pay by ZIPPay because can be paid back by instalment without interest


Zip metrics

  • Millions of Zip customers across Australia, New Zealand and the US

  • Over 45000 merchants across Australia and New Zealand

  • 4.9/5 App Store rating from over 251K reviews

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About 99 Bikes

Shop for your dream bike at 99 Bikes, where passionate salespeople and skilled mechanics are waiting to make sure that you have a smooth ride every time. Here you'll find every type of bike and accessory imaginable like road bikes, e-bikes, mountain bikes, BMX bikes and cruiser styles. Whether you're a hardcore enthusiast, a recreational biker, an adventure seeker, or looking for a pre-loved style, you'll find a bike you'll love. Find a comprehensive range of parts and accessories sold by experienced mechanics who can help diagnose your bike problems or size a part to fit your current bike in minutes. Shop car racks, helmets, baskets, baby seats, transport bags and bike storage. Browse over 900 styles from today's top brands such as Mongoose, Merida, Apollo, BMC and Norco and receive a free professional bike fit when you buy new. Buy your next bike from 99 Bikes with Zip. You can set up your own repayment schedule that allows for flexible payments to be made weekly, fortnightly, or monthly. Set up your Zip account online and you could be approved to shop shortly after. Use your 99 Bikes Zip Pay or Zip Money account to kickstart a new healthy lifestyle by making a commitment to fitness and biking. Once you find your new bike, simply select Zip from the 99 Bikes payment options and you'll be on your way.Zip may earn a commission

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Have a question?

Here are some FAQs to help you get to know Zip better.

  • Yes! Zip allows you to shop just about everywhere, online and instore. We give you the flexibility to set your repayment schedule to suit your lifestyle – choose weekly, fortnightly, or monthly. You can also pay your bills, manage your subscriptions, buy gift cards and earn rewards when you use the Zip app.


  • * Tap to pay in store available with Zip Pay only. Use the Card everywhere that Visa contactless payments are accepted in store. Card T&Cs apply. Single-use card available with Zip Pay and Zip Money only. Use the Card everywhere that Visa contactless payments are accepted online. Card T&Cs apply.