Buy Now, Pay Later - Interest Free

How Zip Money works

  • Apply for $1,000 - $10,000
  • Pay nothing today
  • 3 to 12 months interest free*
  • $9.95/mth account fee or $0 if nothing owing
  • One off establishment fee up to $99 may apply

What you'll need to apply

  • Your employment details
  • Your residential details
  • Your online banking login to verify your income
  • Your passport or driver licence

  • We're local

    Zip is Australian owned and founded

  • We're here to help

    Talk to our Sydney-based customer service 6 days a week

  • We're almost everywhere

    Shop online and instore at over 40,000 Zip partners
Apply Now

Loved by millions of shoppers globally and counting

My favourite digital wallet
Verified Review
Simple app easy to navigate, makes purchasing easy & you're in control when it comes to your repayments. I've now been using zip money for 4 years and absolutely love it & recommend to all my friends.
Such a great app.
Verified Review
I am very organised when it comes to my finance and having zip makes my shopping activity easier and convenient, especially doing online shopping.
Borrowing made easy.
Verified Review
Zip is providing outstanding financial services to support in hard times and making my life easier throughout by flexibility in repayments.

FAQs

Applications take around 5 minutes to complete. Make sure you have your online banking login details, proof of identity and employment information handy to help with a speedy application. Most applications are decided within the same business day, however applications submitted on weekends or that require further information may take longer.

When applying direct with Zip.co you can apply for up to $5,000 with Zip Money, every purchase you make will automatically come with 3 months interest free on repayments*.

If you are looking to make a specific purchase via one of our retailer partners you may be able to apply for credit limits up to $50,000 and receive up to 60 months interest free*. Use the calculator at the top of this page to find out if the merchant you are shopping with has extended interest free terms.

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.

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.

* 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. The repayment advertised will repay the transaction balance within the advertised interest free period. A monthly account fee of $9.95 applies and a one off establishment fee may apply for new customers. Instalment plans split eligible purchases of $300 and above into equal repayments within the interest free period. Eligible purchase excludes gift cards. If you turn off instalments, transactions will be reverted to the minimum monthly repayment. 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 standard variable interest rate, 25.9% per annum, as at 1 June 2023. Other charges may be payable, see T&Cs. 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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