Shop Later Gator with Zip
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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 Later Gator in 3 simple steps
Apply for a Zip account in minutes
Shop at Later Gator online
Pay with a Single-Use Card* in the app, or select Zip at checkout
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 52,000 merchants across Australia and New Zealand
4.9/5 App Store rating from over 301K reviews
About Later Gator
Later Gator is an online department store offering you the ability to buy now and pay later with no interest ever on a large range of products when you shop with Zip Pay..With multiple buy now pay later' options including Zip Pay, you can fill up your cart and have the flexibility to pay off your purchases fortnightly or monthly.These types of payment processors have been available for about 2 years in Australia, and they've been a lifesaver for savvy cash-strapped shoppers. But after looking around, we saw a lack of one-stop-shop department stores that offered a large range of products with multiple buy now pay later options. So we created one, by bringing together 1000's of quality products and the ability pay them off over time - with no interest ever! Starting in Brisbane, we've now expanded to include warehouses across Australia in order to supply our customers more efficiently. Now you have more flexibilty if... - Your washing machine stops working leaving you with no way to clean your clothes. - Your old mattress is in such terrible condition that you can't get a good night sleep! - You want to get a birthday present for someone special and haven't budgeted anything towards it. That's why around here we say "Pay You Later Alligator"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 service with a credit limit of up to $10001. Repayments are based on a minimum monthly payment from as little as $10 per week. 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 Pay, you can shop everywhere you see the Contactless Symbol when you add your Zip card to your Apple or Google wallet*.
Zip Money is a line of credit with credit limits between $1,000 and $5,000 for regular accounts and up to $50,000 for specific merchants. Zip Money offers customers a guaranteed interest-free period of 3 months across all products and up to 36 months with some retailers2. Zip Money accounts may incur a one-off establishment fee for certain credit limits. A $9.95 monthly account fee applies.
Both products also feature our Shop Everywhere card, which you can use at any online retailer that accepts Visa*.
References
- * 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.
- 1 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.
- 2 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. Eligible purchase excludes Zip bills and gift cards. 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. 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).