payment options
0% Payment Plans
Simple and flexible finance
Full coverage for your procedure
Special 0% interest for 3 months
As quick as 3 minutes to apply
The better way to pay
Make it easier to pay for big purchases
4.9 
App store rating
How Zip Money works
Apply for $1,000 - $5,000 credit limit
Pay nothing today
Upto 3 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
Payment Options
We Accept
We Offer
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 58,000 Zip partners
Loved by millions of shoppers
globally and counting
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.
Verified
I am very organised when it comes to my finance and having zip makes my shopping activity easier and convenient, especially doing online shopping.
Zip is providing outstanding financial services to support in hard times and making my life easier throughout by flexibility in repayments.
Frequently Asked Questions
How long does it take to apply?
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.
How much can I apply for?
When applying direct with Zip.co you can apply for up to $5,000 with Zip Money*.
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.
How do repayments work?
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.
How do refunds work?
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. The interest free period is the maximum period of time when no interest is charged on the purchase. The availability of the interest free period for a purchase will depend on the purchase amount, the minimum monthly repayment and account status. Minimum monthly repayments are required and vary according to credit limit. Minimum monthly repayments may require repayment of the purchase prior to the expiry of the maximum interest free period. In other cases, paying only the minimum monthly repayment may not repay the purchase in the interest free period. Any purchase amount 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. Zip Money is available to approved applicants and subject to completion of a satisfactory credit assessment. A monthly account fee of $9.95 applies and a one-off establishment fee may apply for new customers. Other charges may be payable, see T&Cs. Interest, fees and charges are subject to change. Terms and Conditions apply and are available on application. Credit provided by ZipMoney Payments Pty Ltd (ABN 58 164 440 993), Australian Credit Licence Number 441878.