Zip Pay

What is Zip Pay?

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, Zip will set up a monthly payment starting from $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.

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.

Who can get Zip Pay?

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

How it works

Sign up

Verify your identity and link your debit card to create an account

Browse and shop

Use Zip at the checkout, pay nothing today. We pay the store.

Enjoy the goods

Nothing to pay upfront. No repayments until the end of next month.

Repay your way

Flexible repayments from $40/month – choose weekly, fortnightly or monthly.

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