Australia 
New Zealand 
United States Pay in 4 payments, interest free
Zip is here to help you pay for life’s extras
Flexible First Payment
Reduce future payments
Pay more upfront and manage your money like a pro. Available in-store and online including giftcard purchases.
Preferred Payment Day
Choose the best day for you to repay
Before you complete your purchase, select the Repayment Day drop down and choose the day that works best for you. Simple and easy.
Making Manual Repayments
80,000 Kiwis pay early every month
Our early payments feature helps you control your cash flow – you can make a payment before the due date if it’s better for your schedule.
Buy above your balance
What you need, when you need it
If your Zip balance is low, that doesn’t mean you can’t make a bigger purchase. You’ll just need to pay the difference when you checkout. Available everywhere Zip is.
e-Gift Cards
Send to yourself or a friend instantly
Get 6 weeks to pay, interest free, at even more stores, exclusively with e-Gift Cards. Gift Cards aren’t available for all customers right now. The longer you have your account and more orders you complete, the closer you are to qualifying. Keep shopping with Zip to unlock this feature!
Shopping online with the app
Find a retailer
Search for your favorite stores in the app.
Select Zip
Add products to your cart and select Zip at checkout.
Approve purchase
Pay 25% upfront, then fortnightly instalments.
Keep on track
See when instalments are due or pay it off early.
Shopping instore with the app
Get the app
Open your Zip app and tap instore.
Create a code
Generate an instore code to scan at checkout.
Approve purchase
Pay 25% upfront, then fortnightly instalments.
Keep on track
View and manage your payments in the app.
Download the App
Never miss a payment with the app.
Manage your repayments including paying early,
shop e-Gift Cards and discover everywhere you
can Zip at all in on simple, easy to use app.