Buy now, pay later
Interest free.
Shop 3,000+ retailers, online and instore
- Shop online and instore
- 4 equal payments over 6 weeks
- Apply in minutes
6m+
6m+ global customers and counting
$8.9b+
Over $8.9 billion secure transactions since 2013
550k+
NZ App downloads for iOS and Android
4.6 
4.6/5 App and Play store reviews
Get started with Zip
Shop instore
Create an instore code and present to staff at checkout when ready to pay.
Shop online
Shop online as normal and choose Zip as the payment method at checkout.
Complete payment
Approve the purchase and pay 25%, then 3 further fortnightly, interest free payments.
Keep track in app
Browse new stores, shop instore and view upcoming payments in the app.
Loved by over 6.0 million global Zip users and counting
4.8 App Store Ratings
550K+ downloads
05/08/2024
Easy to use
Easy to use. And gives you the option of paying early. No problems so far.
23/07/2024
In control!
love this way of paying helps and you also control how much one can spend instead of going overboard so thanks team . Happy customer.
30/06/2024
Great for shopping
helpful with the high price of everything. use for shopping spend $100 pay $20 ish fortnight providing I keep up with payments very handy
Get started with Zip
Apply in minutes with a photo ID.
Pay in 4 instalments
Up to $1,500
Get instantly approved up to $1,500 to spend with 6 weeks to pay.
Interest free, always
Every transaction you make with Zip Pay is interest free always.
Pay in 4 instalments
Pay just 25% at checkout and the rest over 3 fortnightly payments.
No establishment fee
Pay nothing to create your Zip account.
No account fee
Never pay more than the items you buy when you repay on time.
Download the app to get started
Get instant access to shop now, pay later at thousands of brands—online or in-store.