Stand by for the new
Pay Longer.

The Pay Longer pilot has ended and we’re no longer accepting applications. You can register your contact details and we'll let you know when applications are open again.

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.

 

To see full terms and conditions click here.

Thanks for your interest!

We're working hard to get this product ready for you. In the mean time, register
your contact details and we'll let you know as soon as it's available for you.

Take it today. 24 weeks to pay.

Real-time approval. Transparent fees. Easy payments.

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Smaller payments

Pay 15% of the purchase price, then the rest in 12 interest-free payments every two weeks.

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Larger purchases

Use Pay Longer to pay for purchases over $500 with up to $3,500 to spend.

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Real-time approval

Apply online and get real-time approval in less than five minutes, after responsible lending checks.

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Safe and secure

Securely and privately connect your bank account for an encrypted one-off, read-only assessment of your income and expenses.

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Transparent fees

Pay a one-off $15 Establishment Fee on your first purchase and a 1.6% Payment Processing fee on each purchase. Late payment fees still apply*.

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Shop 31 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.
$15 Establishment Fee is charged on first Pay Longer purchase only and 1.6% Payment Processing fee per purchase.

 

To see full terms and conditions click here.

Accepting Pay Longer

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Noel Leeming

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Torpedo7

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The Market

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Hyper Drive

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Ecosa

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Michael Hill

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The Warehouse

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The Tool Shed

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Trade Depot

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Uno Furniture

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Smart Gear

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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 24 weeks.

Pay Longer on purchases over $500.

1

Shop instore?

Create an instore code in the app. Present your code to staff at checkout then select ‘Pay Longer’.

2

Shopping online?

Shop online as normal and choose ‘Zip’ as your payment method at checkout. Select the ‘Pay Longer’ option.

3

View payment.

Check your payment schedule including fees. Read and accept the disclosure & terms and conditions.

4

Approve payment.

Approve the purchase and pay 15% upfront, then 12 fortnightly payments.

Your questions answered

  • 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.

  • Are there any extra fees?

    Yes! But they’re very transparent:

    • A one-off establishment fee of $15 on your first Pay Longer purchase.
    • A processing fee of 1.6% applies to each purchase after the initial purchase.

    *If you pay late, default fees and arrears fees will apply as usual.

  • How do I shop using Pay Longer?

    It’s easy! Just follow these steps:

    1. Just make a purchase over $500 at a retailer that accepts Pay Longer.
    2. Checkout with Zip when shopping online or scan the app code instore.
    3. Choose ‘Pay Longer’ on your device when prompted.
    4. Check your payment schedule including fees. Read and accept the disclosure & terms and conditions.
    5. Approve the purchase and pay 15% upfront, then 12 fortnightly payments.
  • 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.