Zip gives you the freedom to buy the things you love today. No fuss, no wait, no worries.
Nothing to pay today
We pay the store , you get the goods, or the store sends the goods
Interest free with Zip Pay
Interest free terms available with Zip Money*
Flexible repayments
Pay us back how you like - weekly, fortnightly or monthly
Reusable account
A reusable account with a limit that suits your needs
there's a Zip for that
Two great ways to help you own it
Your everyday spending account
Under $1000
Account limits
Up to $1,000
Interest
Interest free, always
Minimum repayments
From $40/month
Establishment Fee
$0
Monthly account fees
$6.00/month (waived if your statement balance is zero)
Your everyday spending account
Over $1000
Account limits
From $1,000
Interest free period
Up to 12 months interest free*
Minimum repayments
From $40/month or 3% of the outstanding balance (whichever is greater)*
Monthly account fees
$6.00/month (waived if your statement balance is zero)
Want it.
Choose the items you love.
Zip it
Select Zip at the checkout
Own it.
Set your repayments and enjoy your purchase.
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
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.*
How to use Zip:
- Choose the account that's right for you.
- Sign up and get a decision in minutes.
- Select Zip at checkout.
- Log into your account to set up your repayment schedule to suit your lifestyle.
- Reuse your account anywhere you see the Zip logo.
Returns and refunds:
- If your item meets iCoverLover.com.au's returns policy, the purchase amount will be credited back to your Zip account.
Fees and interest:
- Zip Pay purchases are interest free, always.
- For Zip Money, when the interest free period expires, the annual standard percentage of 19.9% applies.
- 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.