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You deserve to buy now and pay later, interest-free.

Zip is a simple and secure payment option, that lets you shop now and pay later for your purchases. This allows you to shop online better, faster and smarter.

Want it

Create your account in moments
and select Zip at checkout

Get it

We pay the store.
You get the goods

Own it

Choose how you pay us back
over time,interest-free

The smarter way to pay for
what you want today

Reusable account

We give you one account with one monthly statement, no matter how many times you shop

Interest free

No interest, hidden fees or upfront payments

Flexible payments

Choose repayments that suit your lifestyle – weekly, fortnightly or monthly

We own easy

We only charge a $6 monthly account fee when you have an outstanding account balance.
If you pay off your balance by the due date, we’ll waive the fee.
That’s it. Easy.

Frequent Asked Questions

Zip Pay is a reusable account of up to $1000 that lets you shop now and pay later. No upfront payments and interest free always. Make as many purchases as you like up to your account limit, then set up flexible repayments to suit your lifestyle. Easy as.
Apply in moments and get approved for up to $1000 on the spot. Once approved, start shopping online and instore, wherever you see Zip at checkout. That’s it – your purchase is all yours, with nothing to pay today. Interest free always.

Your first payment won’t be due until the end of next month. When you open your account, we’ll set up a monthlypayment of $40 (or less if the amount you owe is under $40). This will come from your linked debit card on the last day of each month and run until your purchases are paid off.

Finally, if there’s nothing owing on your account, there’s nothing to pay. Your account simply remains active until you’re ready to make a purchase.

To be eligible to apply for a Zip Pay account, you need to:

  • Be an Australian citizen or permanent resident
  • Be at least 18 years of age
  • Have a valid Facebook or PayPal account, in your own name
  • Have a valid debit card, in your own name
  • Have not declared bankruptcy or insolvency

Zip Pay is 100% interest free, always. There’s a $6 monthly account fee, this monthly fee is waived if your
closing balance is paid by the due date. No balance no fee. And you’ll pay nothing upfront – there are no
setup fees and no hidden charges.
If you don’t meet your minimum monthly repayment, a $5 late fee may apply. That’s it.

Start by speaking to the retailer – if they agree, they will process the refunded amount which will appear
back in your Zip account. If a refund puts your Zip account in credit, you can contact us to have the amount refunded to your bank account instead. Or, simply use it for your next purchase.

Zip is an Australian ASX listed company.
Visit zip.co