Why choose Zip?
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Shop just about everywhere
Shop at all your favourite places, online and instore, with the Zip app.
You're in control by paying later at your own pace.
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.Verified
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!Verified
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.Verified
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.Verified
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.Verified
I CAN USE THIS ANYWHERE!
Literally - In Store or Online - Virtually on ANY (well almost) kind of purchase.Verified
If find Zip really easy to use and always there when I need them. Hassle free and paying back is easy too.Verified
Convenient and helpful
When purchased big ticket item it’s so convenient to pay by ZIPPay because can be paid back by instalment without interestVerified
12 million Zip customers across 11 countries
Over $18.7 billion in secure transactions since 2013
4.9/5 APP STORE RATING FROM OVER 251K 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
Have a question?
Here are some FAQs to help you get to know Zip better.
Yes! However, 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.
- * Available with Zip Pay only. Use the Card everywhere Visa contactless payments are accepted.
- ** Single-use card
- ^ Zip Pay: Minimum monthly repayments are required. A monthly account fee of $7.95 applies. This fee is waived each month you pay your statement closing balance, in full, by the due date. Available to approved applicants only. T&Cs apply
- ^^ Zip Money: Available to approved applicants only. Minimum monthly repayments are required. 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 variable rate. For Customers who acquired an account before 1 December 2022, the applicable standard variable rate is 23.9% per annum. For Customers who acquired an account from 1 December 2022, the applicable variable rate is 21.9% per annum. The applicable interest rate is subject to change. A $7.95 monthly account fee applies. A one-off establishment fee may apply for new customers. 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). T&Cs apply.