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Buy Now Pay Later just about everywhere in Australia

When it comes to the things you need, we've got you covered. Zip is one of Australia's leading buy now pay later companies, and we can help you to own the little things and big things in life, sooner. Zip is fast, easy, and can be used to shop just about everywhere. Start enjoying more with Zip.

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With Zip you can shop with more flexibility

The popularity of buy now pay later Australia-wide has exploded, and it's easy to see why. It's a fast and simple way to purchase new products. Zip allows you to shop just about everywhere, online and instore. With Zip, you can also pay your bills, buy gift cards and earn rewards when you use the Zip app.

  • Shop online or in-store

    Zip is accepted at over 55,000 partners across Australia & New Zealand. Simply choose Zip at checkout online or simply Tap to pay with Zip everywhere contactless payments are accepted.*

  • Earn rewards with Zip

    Be rewarded for shopping with Zip and effortlessly earn instant cashback that you can redeem directly into your Zip Account or Qantas Frequent Flyer account.1

  • Flexible payments

    Pay nothing upfront wherever you shop with Zip Pay. Choose to spread the cost of your purchases over weekly, fortnightly or monthly payments to suit your schedule.

Choose an account to get started

Apply in minutes for Zip Pay, Zip Plus, or Zip Money. If approved, you'll see your available spend and be ready to shop immediately. Say goodbye to waiting for weeks for what you want today - buy it now and pay later.

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How does Zip work?

Learn how to get the best from your Zip account including flexible repayments and shopping instore and online.

Learn How Zip Works

Download the app to get started

Get instant access to shop now, pay later at thousands of brands—online or in-store.

Download on the App Store Get it on Google Play

Frequently Asked Questions

  • Zip Pay is an interest free buy now pay later product offering a credit limit of up to $1,0002. You can buy what you love and enjoy the flexibility of paying it off over time.
    • Apply in under 4 minutes and start shopping instantly once approved
    • Instant access to a digital Visa card that works online and instore, anywhere Visa is accepted.*
    • Repay from $10/week A $9.95 monthly account fee applies, waived if nothing owing.
    Zip Plus is a great value digital card with interest free and waived fee options. You’ll have more spending power than Zip Pay, with access to a credit limit of $2,000-$8,0003.
    • Instant access to a digital Visa card that works online and instore, anywhere Visa is accepted.*
    • Reduce your owing balance to $1,500 at the end of each month and you’ll pay no interest at all. If your owing balance is over $1,500 at the end of the month, a low interest rate of 12.95% p.a applies.
    • Repay from $20/week
    • No international transaction fee when shopping abroad, including overseas online shopping.
    • A $9.95 monthly account fee applies, waived if there is no balance owing at the end of each month.
    Zip Money is a line of credit with limits between $1,000 and $5,000 when customers apply directly with Zip, or $50,000 when customers apply through select Zip retailers. You’ll enjoy a guaranteed interest free period of 3 months across all purchases and up to 5 years with some Zip’s retailers4.
    • Repay from $10/week
    • A one-off establishment fee for certain credit limits may apply
    • A $9.95 monthly account fee applies, waived if nothing owing at the end of each month.

  • Repayments are automatically direct debited from the payment method that you added when you created the account. You can change the payment method at any time and the frequency of your payments to weekly, fortnightly or monthly as long as you're covering the minimum monthly repayments. Choose what works best for you.

  • With Zip Pay 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 Money a $9.95 monthly account fee applies which is waived if you have nothing owing.

    For Zip Pay, one late payment fee of $5. A customer will be charged an additional late fee where they have caught up on all repayments and then miss another repayment at a later date.

References

  • Apple, Apple Pay and the Apple App Store are trademarks of Apple Inc., registered in the U.S. and other countries and regions. Google, Google Pay, Google Play and the Google Play logo are trademarks of Google LLC. VISA is a trademark owned by Visa International Service Association and used under license. The Contactless Symbol is a trademark owned by and used with permission of EMVCo, LLC.
  • * Zip Visa Card is available with Zip Pay and Zip Plus. Zip Visa Card T&Cs apply.
  • 1 Redeemable when you reach the Rewards Goal. Rewards Program T&Cs and Zip Rewards QFF Offer T&Cs apply.
  • 2 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.
  • 3 Zip Plus: Interest accrues daily on the total balance owing at the end of each day. No interest will be charged to your account in a given month if the balance owing at the end of the last day of that calendar month is $1,500 or less. Each day ends at 11:59pm AEST (AEDT during daylight savings). Standard interest rate is 12.95% p.a. T&Cs and credit approval criteria apply. A monthly account fee of $9.95 will apply if the total balance owing is not paid in full by the end of the last day of the calendar month. Interest and other charges may be payable, see T&Cs. Interest, fees and charges subject to change. Credit provided by ZipMoney Payments Pty Ltd (ABN 58 164 440 993), Australian Credit Licence Number 441878.
  • 4 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. 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 and will vary depending on your credit limit. 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).