Own it now, pay later

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

Apply for your zip account and make as many purchases as you want up to your limit.

Everyone’s different. That’s why we let you tailor your payments to suit your lifestyle.

Every purchase you make with Zip is interest free. Online or instore, every time, every day.

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

Account limit

Under $1000

Over $1000

Interest free period

0% always

0% interest for 3 months
Promotional offers 6-48 months

Establishment fee

$0

$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