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 
4.5/5 App and Play store reviews
Apply for Zip now.
Sign up in minutes. Responsible lending checks apply.
How Zip Works
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.
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.
Interest free, always
Every transaction you make with Zip 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.
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 App Store Ratings
550K+ downloads
04/04/2021
Awesome app!
Easy to use online and instore. Easy to follow through to payment cycle etc.
05/08/2021
Very happy
Easy way to purchase when short on cash, makes most things affordable
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 App Store Ratings
550K+ downloads
