Australia 
New Zealand 
United States Buy now, pay later.
Interest free.
Shop online and instore, and pay in 4 interest free payments over 6 weeks.
Apply in minutes and pay 25% upfront.
It's easy to apply. Use your New Zealand driver license for real-time approval, or a photo ID for a response within 48 hours.
Shop online and instore with the Zip app.
Zip is available at over 3,000 stores, online or in-store.
4.8 App Store Ratings
550K+ downloads
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.
Pay with Zip at checkout
Look for the Zip logo online when checking out at your favorite online retailers.
Interest free always
Zero interest means you don’t have to pay more to pay later. That’s it!
Instant approval
Apply in minutes with real time approval start spending straight away. Learn More
Simple & transparent
No hidden fees or fine print, so you’ll always know what to expect. Late fees may apply (up to a maximum of $40 per order) if still overdue.
Download the app to get started
Get instant access to shop now, pay later at thousands of brands—online or in-store.