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Zip Money Instalments

Zip Money Instalments

Zip Money now offers interest free instalment plans.1

Zip Money Instalments image

Interest free instalment plans.1

Working out the best way to pay off bigger buys can be tricky. So we’ve created instalment plans for purchases over $300 to help you avoid interest charges.1

It’s the perfect way to pay for anything, from a glow-up for your home, office, or car, to that thing you need for your weekend hobby.

How it Works

  • Pay nothing upfront

    Get your goodies now, pay nothing upfront.

  • Pick your schedule

    Choose your repayment date.

  • End date set by Zip

    At 3 to 60 months depending on interest free period1

  • Plan created

    Stick to the plan to avoid interest charges1

You’re in control

Use the Zip App to track your paid and upcoming instalments, or make changes to your plan with a few taps. We make everything easy by bundling all your purchases into one repayment schedule.

Pay at your pace

Zip Money instalment plans are automatically converted when you spend over $300. You can choose to extend the plan beyond the interest free period for a fee when you pay with a single use card. Or, you can opt out of instalment payments and switch back to minimum monthly repayments.1

Frequently Asked Questions

  • Zip Money Instalments is a repayment feature that helps you avoid interest charges when you make a purchase.

    Make a purchase of $300 or more through a Zip partner and we'll automatically split your repayments into equal easy to maintain monthly instalments within the offered interest free period.

    A guaranteed minimum interest free period of 3 months is offered across all purchases, and up to 36 months with some Zip partners!1

    Instalments not available on Single Use Visa card purchases via the Shop feature in App, Zip bills or gift card purchases.


  • 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. 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).