ZIP PAY Own what you love. Pay how you like. Interest free, nothing to pay upfront, flexible repayments. ✅ Zip Pay is now available * *T&C’s Apply. Find out more below.
How do I apply for Zip?
You can apply in minutes via our online application form above:
Select either of the blue Create Account buttons, and you’ll be prompted to apply for Zip Pay or Zip Money.
Zip Pay is an interest-free online shopping wallet with a credit limit of up to $1,000, offering you the ability to buy now and pay later, on your terms. Repayments start from as little as $10 a week and only charge a $6 fee when there is an owing balance on the account.
Zip Money is a line of credit for larger amounts, generally $1,000 and above. Zip Money offers customers a guaranteed 3 months interest-free across all products and up to 48 months with some retailers. The length of the interest-free period varies among individual merchants and is confirmed with you prior to purchase. For Zip Money accounts greater than $5,000 please consult the merchant you would like to check out with.
What is the difference between Zip Money and Zip Pay?
We offer two products for our customers: Zip Money and Zip Pay. Both products feature our Shop Everywhere card. You can use any Zip account at any Zip retailer, and you can use our Shop Everywhere feature at any online retailer, anywhere!
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| Reusable | Yes | Yes |
| In-Store and Online | Yes | Yes |
| Minimum Repayment Amount | $350 – $1000 credit limit: $40 each month (Unless the owing balance is less) $1500 credit limit: $80 each month (Unless the owing balance is less) | Determined according to the credit limit of the account. Minimum repayments start at $40 per month. The higher the credit limit, the higher the minimum monthly repayment The required minimum monthly repayment is displayed in your contract, upon approval |
| Credit Limits Available | $350 – $1500 | Above $1000 (Apply through a merchant for accounts greater than $5000) |
| Interest | Never! | Guaranteed 0% interest for 3 months Promotional offers between 6-48 months depending on where you shop 19.9% p.a after your interest-free period expires |
| Pay bills With Zip | Available | Available |
| Direct Debit payment method | Either credit or debit card | Debit card or bank account details |
| Shop Everywhere Single-Use Card | Available | Available (for non-exclusive accounts) |
Zip Pay is an interest-free online shopping wallet with a credit limit of up to $1,500, offering you the ability to buy now and pay later, on your terms. Repayments start from as little as $10 a week.
Zip Money is a line of credit with credit limits over $1,000.
This product offers consumers a line of credit of up to $5,000 for regular accounts and up to $50,000 for specific merchants.
Zip Money offers customers a guaranteed interest-free period of 3 months across all products and up to 36 months with some retailers.
Zip Money accounts also incur a $6 monthly account service fee when there is an outstanding balance at the end of each month as well as a one-off establishment fee for certain credit limits.
To apply for a Zip Money account greater than $5,000, please consult the merchant you would like to purchase with or apply here.
Who can apply for a Zip account?
To be eligible to apply for Zip Pay or Zip Money, you must meet the below criteria:
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