Stand by for the new
Pay Longer.
The Pay Longer pilot has ended and we’re no longer accepting applications.
How it works
It's free to apply and has no impact on your credit score. Once approved, pay a $15 establishment fee on your first purchase only and 1.6% Payment Processing fee (1.6%) per purchase. Late fees still apply.*
*Responsible Lending criteria and terms and conditions apply. Late fees may be payable of $8 per week, capped at $40 per purchase.
$15 Establishment Fee is charged on first Pay Longer purchase only and 1.6% Payment Processing fee per purchase.
Take it today. 24 weeks to pay.
Real-time approval. Transparent fees. Easy payments.
Smaller payments
Pay nothing up front, then the rest in 12 interest-free payments every two weeks.
Larger purchases
Use Pay Longer to pay for purchases over $200 with up to $8,000 to spend.
Real-time approval
Apply online and get real-time approval in less than five minutes, after responsible lending checks.
Safe and secure
Securely and privately connect your bank account for an encrypted one-off, read-only assessment of your income and expenses.
Transparent fees
Pay a small Establishment Fee on your first purchase. Late payment fees still apply*.
Shop at your favourite stores
Available at participating stores including The Warehouse, Noel Leeming, Torpedo7, Hyper Drive, Ecosa, Michael Hill, ToolShed + more.
*Responsible Lending criteria and terms and conditions apply. Late fees may be payable of $8 per week, capped at $40 per purchase.
Establishment Fee is charged on first Pay Longer purchase only and 1.6% Payment Processing fee per purchase.
Noel Leeming
Torpedo7
The Market
Hyper Drive
Ecosa
Michael Hill
The Warehouse
The Tool Shed
Trade Depot
Uno Furniture
Smart Gear
Winkl
Start now – it’s super simple.
Apply now
Applying only takes a couple of minutes and applying won’t affect your credit score.
Secure lending check
Your application is assessed automatically through secure bank account login – no need to email bank statements.
Zip bigger. Pay longer
Once approved, you may get a new spend limit, and you’re off! Spread Pay Longer purchases over 12/24 months.
Pay Longer on purchases over $500.
Shop instore?
Create an instore code in the app. Present your code to staff at checkout then select ‘Pay Longer’.
Shopping online?
Shop online as normal and choose ‘Zip’ as your payment method at checkout. Select the ‘Pay Longer’ option.
View payment.
Check your payment schedule including fees. Read and accept the disclosure & terms and conditions.
Approve payment.
Approve the purchase and pay 15% upfront, then 12 fortnightly payments.
Your questions answered
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What can I buy with Pay Longer?
Pay Longer can only be used when you spend $500 or more. Like all Zip purchases, you can only spend above your limit if you pay extra for the first payment. During the launch, Pay Longer is currently available at 31 selected stores – be sure to check back, as we’ll be adding more stores soon.
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Are there any extra fees?
Yes! But they’re very transparent:
- A one-off establishment fee on your first Pay Longer purchase.
*If you pay late, default fees and arrears fees will apply as usual.
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How do I shop using Pay Longer?
It’s easy! Just follow these steps:
- Just make a purchase over $500 at a retailer that accepts Pay Longer.
- Checkout with Zip when shopping online or scan the app code instore.
- Choose ‘Pay Longer’ on your device when prompted.
- Check your payment schedule including fees. Read and accept the disclosure & terms and conditions.
- Approve the purchase and pay 15% upfront, then flexible fortnightly payments.
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What info do I need to provide when applying?
As a responsible lender, we need to make sure you can afford to repay any increased spend limit, so we just need a little more info from you including:
- A one-off safe, secure and encrypted connection to your everyday bank account so our system can automatically assess 180 days of your income and expenses
- more info on your living arrangements
- more info on your dependents
We will then run another credit check and, if you pass, we’ll approve you to use Pay Longer in real-time.