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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

Apply now

Loved by millions of shoppers
globally and counting

My favourite digital wallet
My favourite digital wallet
My favourite digital wallet
☆ ☆ ☆ ☆ ☆

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

Such a great app.
Such a great app.
Such a great app.
☆ ☆ ☆ ☆ ☆

I am very organised when it comes to my finance and having zip makes my shopping activity easier and convenient, especially doing online shopping.

10.04.2018
Borrowing made easy.
Borrowing made easy.
Borrowing made easy.
☆ ☆ ☆ ☆ ☆

Zip is providing outstanding financial services to support in hard times and making my life easier throughout by flexibility in repayments.

5 Month Ago

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.

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.

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. 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.