Zip | Now Available
Zip Pay now available online and in-store!
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 to your account limit, then set up flexible repayments to suit your lifestyle. Easy as.
Apply in moments and get approval 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 monthly payment 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 purcahse.
You can also make additional payments at any time, and there are no penalties for paying off your purchase early. Finally, if there's nothing owing on your account, there's nothing to pay and no fees. 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 $7.95 monthly account fee, this monthly fee is waived if your closing balance is paid by the due date. No balance 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 back account instead. Or, simply use it for your next purchase.