Buy Now. Pay Later

Apply now

Zip is an easy and flexible payment method which gives you the freedom to buy now and pay later. There are two reusable account types, Zip Pay and Zip Money. Repayments are flexible to suit your lifestyle - weekly, fortnightly or monthly, and you can pay as much as you like as long as you meet your minimum monthly repayments (advised at the time of sign up).

Zip account

Apply for a reusable Zip account with a limit that suits your needs.

Payment flexibility

Everyone's different. That's why Zip lets you tailor your payments to suit your lifestyle.

Interest free

Every purchase you make with Zip is interest free. Online or instore, every time, every day.

How it works


  • Apply for Zip
  • Get Zip approval
  • Select Zip at online checkout or
    in store register
  • Enjoy your new products
Zip pay For purchases up to $1,000 Zip money For purchases over $1,000
Account limit Up to $1,000 $2,000 to $10,000 subject to credit approval from Zip
Interest free period Always interest free

No interest for 12 months on purchases over $1,000

No interest for 6 months on purchases under $1,000. Annual rate of 19.9% on outstanding balance after interest free period expired
Set up fee No set up fee $25 (one off fee added to your balance)
Minimum repayments $40/month $40/month or
3% of owing balance (whichever is greater)
Payment frequency Weekly, fortnightly or monthly Weekly, fortnightly or monthly
Account fee $6/month where there is an outstanding balance $6/month where there is an outstanding balance
Late fee Learn more about Zip Pay late fees here Learn more about Zip Money late fees here

Available for purchases over $55

Gift cards are unavailable to purchase with Zip Pay or Zip Money

What do you need to apply for Zip?

When applying for Zip, you will be asked to provide personal information and you must:

  • Be over 18 years old and an Australian permanent resident or citizen
  • Have a valid email address and mobile number
  • Have a good credit history
  • Have 3-5 minutes (on average) to apply, some cases might take longer
Apply now