ZIP - Buy Now, Pay Later

Buy Now, Pay Later

Apply In Minutes
Up To $20,000
Pay Nothing

Up to $1,000

Interest free always
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  • $350–$1,000 credit limit
  • Interest free always
  • $9.95 monthly account fee Waived if you pay your statement closing balance in full by the due date.
  • No establishment fee
  • Repay from $10/week
  • Use your account everywhere Visa is accepted^
  • Earn exclusive cashback offers when you shop eligible offers¹
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Up to $20,000

From 3 months interest free*
Sign Up
  • $1,000–$20,000 credit limit
  • 3 - 48 months interest free* Up to 48 months interest free terms available at select Zip partners
  • $9.95 monthly account fee Waived if nothing owing
  • One-off establishment fee may apply
  • Repay from $10/week or 3% of the outstanding balance (whichever is greater)
  • We automatically split purchases over $300 into equal instalments to help you avoid interest charges^
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Frequently Asked Questions
Is Zip suitable for everyday purchase?

Zip is perfect for everyday purchases and offers the ability to transact just about everywhere, so you can manage all your expenses in one place and repay on a schedule that suits you.

To shop instore, Zip Pay users can tap to pay at checkout.^ To get started with tap to pay, simply navigate to the Zip app and click on the pay tab in the bottom menu. From there, you can follow the prompts to set up your card and add it to your Apple Pay or Google Pay wallet.

To shop online, use the Zip mobile app and generate a single-use card at the checkout anywhere Visa is accepted.

Where can I shop with Zip?

See the full list where you can shop with Zip: https://zip.co/au/shop

Shop everywhere online where Visa is accepted with Zip's single-use card feature on the Zip mobile app.^ Or shop anywhere instore you see Zip at checkout - we're partnered with 40,000+ retail stores.

Additionally, you can use your Zip account to pay BPAY bills and buy gift cards for food, fuel and subscriptions.

How do repayments work?

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.

What are the fees?

With Zip Pay a $9.95 monthly account fee applies, we will waive the fee if you pay your statement closing balance in full, by the due date.

With Zip Money a $9.95 monthly account fee applies which is waived if you have nothing owing.

How do refunds work?

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.

Is Zip a buy now, pay later like Afterpay, Klarna, Humm and Latitude?

Yes! Zip allows you to shop just about everywhere, online and instore. We give you the flexibility to set your repayment schedule to suit your lifestyle - choose weekly, fortnightly, or monthly. You can also pay your bills, buy gift cards and earn rewards when you use the Zip app.

Zip Pay - Minimum monthly repayments are required. A monthly account fee of $9.95 applies and is subject to change. Pay your closing balance in full by the due date each month and we’ll waive the fee. Available to approved applicants only and subject to completion of satisfactory credit check. Other charges may be payable. T&Cs apply. *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 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 applicable variable rate. The applicable standard variable rate is 25.9% per annum, as at 1 May 2023. 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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