Apply in minutes Up to $10,000

Pay Nothing Today

Flexible Repayments

Reusable account: We give you one account with one monthly statement, no matter how many times you shop

Interest free: Easy interest free terms. No hidden fees or upfront payments

Flexible payments: Choose repayments that suit your lifestyle – weekly, fortnightly or monthly

We own easy

We make it easy for you to never pay interest again. Simply pay off your purchase before the interest free period ends, and you get to enjoy what you love even more.

Interest free. Easy as.

Zip FAQs

Visit the help centre.

All you need is:

• A valid email address and mobile number.
• Be at least 18 years old.
• Be an Australian Citizen or Permanent Resident.
• Have a good credit history.
• Read more about what you need to apply for Zip Pay and Zip Money.

How to use Zip:

• Choose the account that's right for you.
• Sign up and get a decision in minutes.
• Select Zip at reception.
• Log into your account to set up your a repayment schedule to suit your lifestyle.
• Reuse your account anywhere you see the Zip logo.

Fees & interest:

• Zip Pay purchases are interest free, always.
• Zip Money is interest free if you pay off your purchases within the interest free period.
• Standard interest rate of 19.9% applies after the interest free period.
• The $6.00 monthly account fee is waived if you pay your balance by the due date.
• If there's nothing owing on your account, there's nothing to pay and no fees.

Read more here about repayments, interest and fees for Zip Pay and Zip Money.

Repayments:

• Choose from weekly, fortnightly or monthly payments to suit your lifestyle.
• Repayments start from $40 a month and are based on your account's credit limit.

Returns & refunds:

If your refund request meets St John Ambulance Victoria's refunds policy, the purchase amount will be credited back to your Zip account.

Zip Money: Available to approved applicants only and subject to completion of satisfactory credit check. Minimum monthly repayments are required. Paying only the minimum monthly repayment amount will generally not repay a purchase within the interest free period. A monthly account fee of $7.95 will also apply and a one-off establishment fee may apply for new customers. Any balance outstanding at the expiry of the interest free period will be charged at the standard variable rate, 25.9% per annum as at 1 May 2023. Other charges may be payable, see T&Cs. Interest, fees and charges 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).