Own it now, pay later

Say 'goodbye' to wishing and waiting. Say 'hello' to owning and loving 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.

How zip works timeline

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

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