Stop paying interest
on purchases

Start shopping interest free with Zip
and pay no fees when you repay on time.

  • 4 payments over 6 weeks
  • Repay early at no cost
  • Start shopping in minutes

2m+

More than 2 million customers
across Australia and New Zealand

$2b+

Over $2 billion in secure
Zip transactions since 2013

370k

App downloads for ios and Android

4.5 4.5 stars icon

4.5/5 App and Play store reviews

Exclusive to Zip

  • the warehouse online store button zip nz

    The Warehouse

  • the warehouse online store button zip nz

    Noel Leeming

  • bunnings warehouse online store button zip nz

    Bunnings

  • chemist warehouse online store button zip nz

    Chemist Warehouse

  • the market online store button zip nz

    The Market

  • 1 day online store button zip nz

    1-day.co.nz

Apply for Zip now.

Sign up in minutes. Responsible lending checks apply.

How Zip Works

1

Shop instore

Create an instore code and present to staff at checkout when ready to pay.

2

Shop online

Shop online as normal and choose Zip as the payment method at checkout.

3

Complete payment

Approve the purchase and pay 25%, then 3 further fortnightly, interest free payments.

4

Keep track in app

Browse new stores, shop instore and view upcoming payments in the app.

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 is interest free always.

Check Icon

Pay in 4 instalments

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

Check Icon

No establishment fee

Pay nothing to create your Zip account.

Check Icon

No account fee

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

Get 6 weeks to pay, interest free, at more than 1,600 retailers

  • torpedo 7 online store button

    Torpedo 7

  • EB Games

  • mighty ape online store button zip nz

    Mighty Ape

  • dick smith online store button zip nz

    Dick Smith

  • hunting and fishing online store button zip nz

    Hunting & Fishing

  • michael hill online store button zip nz

    Michael Hill

Apply for Zip now.

Sign up in minutes. Responsible lending checks apply.

Budget better with Zip

Stop paying more than 0% interest on your purchases and stop paying set up fees and monthly account fees.

Start paying no interest and no fees when you repay on time with up to 6 weeks to repay.

Loved by over 7.3 million global users and counting

4.5 Stars

4.5 App Store Ratings

370K+ downloads

5 Start Review

04/04/2021

Awesome app!

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

5 Start Review

05/08/2021

Very happy

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

5 Start Review

14/05/2021

It's a great payment option.

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

More than 80,000 Kiwis repay early each month

Don’t like debt? Neither do we. That’s why we don’t charge interest or fees when you repay on time.

We also don’t charge you when you want to get out of debt and repay early.

Never miss a payment with the Zip app.

Our app users are 3x less likely to miss a payment.

4.5 Stars

4.5 App Store Ratings

370K+ downloads

Zip App Dashboard