For not-so-everyday, there's Zip Money
there's Zip Money
Apply for up to $5,000 credit to help you pay for your next step in life, every step of the way.
Why choose Zip Money?
Nothing to pay on day of purchase
At least 3 months interest free, guaranteed1
Up to 5 years interest free at select Zip partners
Up to $5,000 to spendApply in minutes
from 3 months interest free.
Our fees are simple and transparent.
$0-$99 establishment feeA one-off fee, up to $99, based on your approved credit limit may apply. See your contract for more details.
3 months interest free periodEvery transaction has a guaranteed 3 months interest free period.
From $10/week flexible repaymentsRepayments start from just $10 a week and are determined by your account's credit limit.
$9.95 monthly account feeWaived if your balance owing is $0 at the end of the month.
$1,000-$5,000 credit limitOnce you're approved we'll confirm your account credit limit. You may be eligible for a credit limit increase once you've been using your account for at least 6 months.
Need a smaller limit?
Explore Zip Pay
Two ways to repay
Choose to repay on a flexible repayment schedule or with fixed interest free instalments.
Complete flexibility on the amount, date and frequency of your repayments to give you more control.
For purchases of $300 or more repay in equal monthly interest free instalments.Learn about instalments
Earn instant cashback
Not only are we flexible, we're rewarding too. Earn instant cashback when shopping at our rewards partners.
Download the Zip app to browse and activate our range of offers.*Shop cashback offers
Shop confident with Product Protection
Shop with ease when you add Product Protection from Zip. Get an instant quote and worldwide cover for your items against damage, theft, and more.What is Product Protection
Pay your bills
Use Zip with over 60,000 BPAY® Billers. Save their details to pay faster next time, and get ahead of late fees with handy bill reminders. There's just a small $2.50 processing fee when using Zip Money, no matter how big your bill is.2
How to pay instore and online
Shop online with the app
Go on the ‘Shop’ tab on the Zip app and shop at your favourite stores
Hit ‘Pay with Zip’ when you’re ready to checkout, or;
Go to the ‘Pay’ tab on the Zip app and Generate a Single Use card for a secure one-time only transaction. Learn about single-use card
Go to the ‘Pay’ tab on the Zip app and select ‘Instore’
Generate a barcode when you’re ready to checkout in store
Show your barcode at the checkout to pay with Zip
Frequently Asked Questions
Zip Pay is an interest-free buy-now-pay-later service with a credit limit of up to $10003. 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 retailers1. 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**.