The better
way to pay
Make it easier to pay for your purchases
4.9
★★★★★
App store rating
zipPAY
- Up to $1,000 credit limit
- Pay nothing today
- Always interest free ^
- Spread repayments over a month or longer
- $9.95/mth account fee or $0 if nothing owing
zipMONEY
- Apply for $1,000 - $5,000 credit limit
- Pay nothing today
- Up to 6 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
Loved by millions of shoppers globally and counting
Reviews from App Store
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.
VerifiedWe'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
Frequently Asked Questions
How long does it take to apply?
The application process typically takes just a few minutes. You'll need to provide some basic information and verify your identity. Most applications are approved instantly.
Where can I shop with Zip?
You can use Zip at O'Neill's Tyre & Autocare and over 58,000 other retail partners across Australia, both in-store and online.
How do repayments work?
With Zip Pay, you can choose to pay weekly, fortnightly, or monthly. The minimum repayment is $40 per month or your closing balance, whichever is less. With Zip Money, minimum monthly repayments are required.
How do refunds work?
If you return an item, the refund will be credited back to your Zip account. This typically takes 3-5 business days to process.
* 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.
^ Zip Pay: Minimum monthly repayments are required. A monthly account fee of $9.95 applies and is subject to change. Pay your closing balance in full by the due date each month and we'll waive the fee. Available to approved applicants only and subject to completion of satisfactory credit assessment. Other charges may be payable. Fees and charges subject to change. T&Cs apply. Credit provided by ZipMoney Payments Pty Ltd (ABN 58 164 440 993), Australian Credit Licence Number 441878. Visit zip.co/au/zip-pay to find out more.