Australia 
New Zealand 
United States Stand by for the new
Pay Longer.
You have until Midnight 12 December 2021 to make a Pay Longer transaction. It will be back though.
Pay Longer ends Midnight 12 December 2021.
The Pay Longer pilot has ended so we’re no longer accepting applications and the final date for Pay Longer transactions will be 11:59pm Sunday 12 December 2021. We are currently working on a new and improved version of the Pay Longer product for release in early 2022, so you can register your contact details and we’ll let you know as soon as you can reapply
The lowdown
AVAILABLE ON $500+
Spend over $500, get 24 weeks to pay it off.
PAY 12 INSTALMENTS
Pay 15% when you buy, then 12 interest-free instalments.
ZIP BIGGER. PAY LONGER
$15 Establishment Fee on first purchase only and 1.6% Payment Processing fee per purchase.
Late fees still apply. Terms and conditions apply. Standard $15 Establishment fee on your first purchase and 1.6% Payment Processing fee apply.
Here's what everyone is buying
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Home Entertainment
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Whiteware
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Furniture
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Computers
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Wearable Tech
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Smart Devices
4 simple steps to Pay Longer
Select pay with Zip.
Choose Zip as your payment option online, or scan your instore code to pay instore.
Select Pay Longer.
Select ‘Pay Longer’ in online checkout, or in the app to pay instore.
View payment.
Confirm your payment schedule and accept the T&Cs.
Approve payment.
Approve the purchase and pay 15% upfront. Pay the rest in 12 equal payments over 24 weeks.
Repay when you want
Like other Zip purchases, you can repay early with no extra cost – just pop into the app or log in to our web portal.
Buy above your balance
And if your Zip limit is too low, you’ll just need to pay a bit more upfront, then the rest in 12 equal payments as usual.
Get what you need, every time.
Our customers are stoked with the extra flexibility that comes with Pay Longer – especially if they want to splash out on something special or cover the unexpected.
That’s probably why home entertainment and whiteware are two of the most popular Pay Longer categories.
Scope out your shopping options:
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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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Big Save Furniture
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Michael Hill
How much will it cost me?
*Late fees still apply. Terms and conditions apply. Standard $15 Establishment fee on your first purchase and 1.6% Payment Processing fee apply.
People are loving Pay Longer
4.8 App Store Ratings
550K+ downloads
15/09/2021
More managable
“It is much more manageable to pay less over a longer period.”
02/10/2021
Easy to use
“Makes bigger and more expensive items easy to pay off.”
29/09/2021
Budgeting made easy
“Financially it works better for my family budget.”
07/10/2021
Check off the Wishlist
“I’ll use it for purchasing a few things I’ve wanted but I’ve put off buying.”
Shop Pay Longer
Get up to 24 weeks to pay.
Any questions?
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Why cant I use Pay Longer after 5 December 2021?
Our initial release of the Pay Longer product was to a limited number of Zip customers, to allow us to get feedback on how we could develop the best longer term Zip product. We have now closed out this pilot to implement your feedback, and will be relaunching a new and improved version in early 2022.
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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 30 selected stores – be sure to check back, as we’ll be adding more stores soon. -
Are there any extra fees?
Yes, but they’re super 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:
- 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 12 fortnightly payments.