Shop Freedom with Zip
Ready to apply for Zip Money?
Apply for Zip Money to access credit limits up to $3,000 and interest free periods of 6 months when you shop at Freedom
How to pay instore and online
How Zip Money works
Get startedCredit limits from $1,000 - $3,0001
Interest free instalments from 3 months to 6 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
What you'll need to apply
Get startedYour 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
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 Freedom in 3 simple steps
Apply for a Zip account in minutes
Shop at Freedom online or in store
Pay with the app or tap to pay with Zip* using your digital wallet
Loved by millions of shoppers globally and counting
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.
VerifiedIn 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!
VerifiedVery helpful in need!
Zip is very helpful when you don't have money in your savings or credit card. Instalment payments are very flexible.
VerifiedZip 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.
VerifiedJust 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.
VerifiedI CAN USE THIS ANYWHERE!
Literally - In Store or Online - Virtually on ANY (well almost) kind of purchase.
VerifiedAlways there
If find Zip really easy to use and always there when I need them. Hassle free and paying back is easy too.
VerifiedConvenient and helpful
When purchased big ticket item it’s so convenient to pay by ZIPPay because can be paid back by instalment without interest
VerifiedZip metrics
Millions of Zip customers across Australia, New Zealand and the US
Over 55,000 merchants across Australia and New Zealand
4.9/5 App Store rating from over 320K reviews
About Freedom
We aim to inspire all Australians to express their individuality and sense of style in their home. At freedom, you can always find something that suits your home, tastes and lifestyle.Our range of furniture is carefully chosen for style and function and rigorously tested for durability so you can treat your home to a little luxury knowing you'll love it as much in years to come as you do today.Zip may earn a commission
Visit storeHave a question?
Here are some FAQs to help you get to know Zip better.
- Zip Pay is an interest free buy now pay later product offering a credit limit of up to $1,0002. You can buy what you love and enjoy the flexibility of paying it off over time.
- Apply in under 4 minutes and start shopping instantly once approved
- Instant access to a digital Visa card that works online and instore, anywhere Visa is accepted.*
- Repay from $10/week A $9.95 monthly account fee applies, waived if nothing owing.
Zip Plus is a great value digital card with interest free and waived fee options. You’ll have more spending power than Zip Pay, with access to a credit limit of $2,000- $4,0003.- Instant access to a digital Visa card that works online and instore, anywhere Visa is accepted.*
- Reduce your owing balance to $1,500 at the end of each month and you’ll pay no interest at all. If your owing balance is over $1,500 at the end of the month, a low interest rate of 12.95% p.a applies.
- Repay from $20/week
- No international transaction fee when shopping abroad, including overseas online shopping.
- A $9.95 monthly account fee applies, waived if there is no balance owing at the end of each month.
Zip Money is a line of credit with limits between $1,000 and $5,000 when customers apply directly with Zip, or $50,000 when customers apply through select Zip retailers. You’ll enjoy a guaranteed interest free period of 3 months across all purchases and up to 5 years with some Zip’s retailers1.- Repay from $10/week
- A one-off establishment fee for certain credit limits may apply
- A $9.95 monthly account fee applies, waived if nothing owing at the end of each month.
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.
With Zip Pay a $9.95 monthly account fee applies, we will waive the fee if you pay your statement closing balance in full, by the due date. With Zip Money a $9.95 monthly account fee applies which is waived if you have nothing owing.
For Zip Pay, one late payment fee of $5. A customer will be charged an additional late fee where they have caught up on all repayments and then miss another repayment at a later date.
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).
- * Zip Visa Card is available with Zip Pay and Zip Plus. Zip Visa Card T&Cs apply.
- 2 Zip Pay: Minimum monthly repayments are required. A monthly account fee of $9.95 applies and is subject to change. Pay your closing balance in full by the due date each month and we'll waive the fee. Available to approved applicants only and subject to completion of satisfactory credit check. Other charges may be payable. T&Cs apply.
- 3 Zip Plus: Interest accrues daily on the total balance owing at the end of each day. No interest will be charged to your account in a given month if the balance owing at the end of the last day of that calendar month is $1,500 or less. Each day ends at 11:59pm AEST (AEDT during daylight savings). Standard interest rate is 12.95% p.a. T&Cs and credit approval criteria apply. A monthly account fee of $9.95 will apply if the total balance owing is not paid in full by the end of the last day of the calendar month. Interest and other charges may be payable, see T&Cs. Interest, fees and charges subject to change. Credit provided by ZipMoney Payments Pty Ltd (ABN 58 164 440 993), Australian Credit Licence Number 441878.