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Shop at hardtofind with Zip

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


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 hardtofind 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 hardtofind

hardtofind is the opposite of 'I can get that anywhere'. This online destination celebrates fun, innovative design from the best small creative businesses in Australia and across the globe. Click, stop, and look in awe at hundreds of 'where did you get that?' pieces, made with passion by talented people who love what they do. hardtofind has its home in Sydney's inner west and works with sellers around Australia and from as far away as Lithuania, London and Puerto Rico. The site brings together an expertly sourced global community of cottage industries, independent studios and hole-in-the-wall retailers with people looking for something different. The Sydney owners of this iconic site have carefully created a personalised maker-to-customer shopping experience. Whether you're buying something for yourself or gifting others of the 'significant' persuasion, hardtofind are sure to have quirky, stand-out quality items and gifts that you won't find anywhere else ' guaranteed to give you satisfaction. So don't just sit there thinking about where to get your next great gift. Shop outside of the box at hardtofind with Zip. Our buy now, pay later system here at Zip lets you shop whenever you need, and pay for it in a way that works for you. Simply go online and apply for a Zip account and you could be shopping in minutes. With your new hardtofind Zip Pay or Zip Money plan, you can make payments weekly, fortnightly, or monthly. Shop for unforgettable gifts at hardtofind interest-free with your new Zip Pay account by choosing Zip as your payment option at checkout.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.