Zip – Own it now, pay later.


How it works

Shop today, interest free and pay later with Zip

Own it now, pay later

Say ‘goodbye’ to wishing and waiting. Say ‘hello’ to owning and loving it.

Own it

Zip account

Apply for your zip account and make as many purchases as you want up to your limit.


Payment flexibility

Everyone’s different. That’s why we let 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.


Payments explained

It’s easy! Every time you make a purchase we simply add it to your account. Then at the beginning of the month, we send you a summary (called a “statement”) of what you spent and what you paid in the month. You can then pay it back in full at the end of the month or pay over time from as little as $40 a month, interest free.

A limit for your lifestyle

Zip Pay Zip Money
Account limit Under $1000 Over $1000
Interest free period 0% always 0% interest for 3 months
Promotional offers 6-48 months
Establishment fee $0 $0 – $99
Minimum repayments $40/month From $40/month
Account fee $6/month waived if you have no balance
see terms
$6/month waived if you have no balance
see terms

How does interest free work?

We charge the store a small fee on each transaction, just like credit cards do. That fee then helps us to provide you interest free terms on every purchase. It’s that easy!

Join over 700,000
Australians owning it with Zip

“I have now experienced shopping both online and in-store with zipPay and it was super easy. It is such a great option. I am really happy to be zipPay customer.”


“Easy to use. Love how you can adjust payments to suit and have the ability to make additional payments or pay out in full before the due date.”


“It’s better than a Credit Card!! I joined Zippay to buy a product online at a great price. The process of joining Zippay was quick and easy, done online, no paperwork just answered a few questions and I got an reply & approval in seconds. T&C’s straight forward. Very user friendly. Works for me.”