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The better way to pay
ZIP MONEY
Make it easier to pay for big purchases
4.9
App store rating
How Zip Money works
- Apply for $1,000 - $1,000
- Pay nothing today
- 3 to 3 months interest free*
- $9.95/mth account fee or $0 if nothing owing
- One off establishment fee up to $99 may apply
What you'll need to apply
- Your employment details
- Your residential details
- Your online banking login to verify your income
- Your passport or driver licence
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We're local
Zip is Australian owned and founded.
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We're here to help
Talk to our Sydney-based customer service 6 days a week
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We're almost everywhere
Shop online and instore at over 40,000 Zip partners
Loved by millions of shoppers globally and counting
Reviews from the
App Store
Best buy now pay later option available.
Out of all the buy now pay later companies, ZipPay has the most option available for using in store and online having the create temporary card feature and apple wallet tap and pay features.
Such a great app.
I am very organised when it comes to my finance and having zip makes my shopping activity easier and convenient, especially doing online shopping.
Exceptional customer service.
Exceptional customer service. I needed help integrating Zip with my store and they handled it seamlessly for me.
I can use this anywhere!
Literally - In Store or Online - Virtually on ANY (well almost) kind of purchase. It is amazing! I love it. I’d rate it six stars if I could.
Frequently Asked Questions on Zip Money
Frequently Asked Questions
Applications take around 5 minutes to complete. Make sure you have your online banking login details, proof of identity and employment information handy to help with a speedy application. Most applications are decided within the same business day, however applications submitted on weekends or that require further information may take longer.
When applying direct with Zip.co you can apply for up to $5,000 with Zip Money, every purchase you make will automatically come with 3 months interest free on repayments*.
If you are looking to make a specific purchase via one of our retailer partners you may be able to apply for credit limits up to $30,000 and receive up to 60 months interest free*. Use the calculator at the top of this page to find out if the merchant you are shopping with has extended interest free terms.
Repayments are automatically direct debited from the payment method that you added when you created the account. You can change the payment method at any time and the frequency of your payments to weekly, fortnightly or monthly as long as you're covering the minimum monthly repayments. Choose what works best for you.
If you return goods to a retailer and they agree to a refund, your Zip account will be credited with the agreed refund amount. The funds will then be put towards your owing balance or depending on the refund amount your account may be placed in credit.
*Zip Money - Interest free term subject to minimum spend and promotional partner offer. Available to approved applicants only and subject to completion of satisfactory credit check. Instalment plan splits eligible purchases of $300 and above into equal repayments within the interest free period. The repayment advertised will repay the transaction balance within the advertised interest free period. A monthly account fee of $9.95 will also apply and a one-off establishment fee may apply for new customers. Minimum monthly payments are required – paying only the minimum monthly repayment may not necessarily repay a purchase within the interest free period. Any balance outstanding at the expiry of the interest free period will be charged at the standard variable interest rate, 25.9% per annum, as at 1 June 2023. Other charges may be payable, see T&Cs. Interest, fees and charges are subject to change. Terms & Conditions apply and are available on application. See your contract for further details. Credit provided by ZipMoney Payments Pty Ltd (ABN 58 164 440 993), Australian Credit Licence Number 441878).
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