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
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7m+ global customers and counting


Over $6 billion secure transactions since 2013


NZ App downloads for iOS and Android

4.5 4.5 stars icon

4.5/5 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 7.3 million global Zip users and counting

4.5 Stars

4.5 App Store Ratings

550K+ downloads

5 Start Review


Awesome app!

Easy to use online and instore. Easy to follow through to payment cycle etc.

5 Start Review


Very happy

Easy way to purchase when short on cash, makes most things affordable

5 Start Review


It's a great payment option.

We use Zip all the time. It's a great payment option.

Get started with Zip

Apply in minutes with a photo ID.

Pay in 4 instalments

Up to $1,000

Get instantly approved up to $1,000 to spend with 6 weeks to pay.

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Interest free, always

Every transaction you make with Zip Pay is interest free always.

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Pay in 4 instalments

Pay just 25% at checkout and the rest over 3 fortnightly payments.

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No establishment fee

Pay nothing to create your Zip account.

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No account fee

Never pay more than the items you buy when you repay on time.

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Download the app to get started

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