Buy now, pay later
Apply in minutes up to $5,000
Pay nothing today
Flexible Repayments
Up to $5,000
From 3 months interest free*
$1,000-$5,000 credit limit
3-60 months interest free*
Up to 60 months interest free terms available at select Zip partners
$9.95 monthly account fee
Waived if nothing owing
One-off establishment fee may apply
Repay from $10/week or 3% of the outstanding balance (whichever is greater)/week
We automatically split purchases over $300 into equal instalments to help you avoid interest charges^
Up to $1,000
Interest free always
$350-$1,000 credit limit
Interest free always
$9.95 monthly account fee
Waived if you pay your statement closing balance in full by the due date.
No establishment fee
Repay from $10/week
Use your account everywhere Visa is accepted^
Earn exclusive cashback offers when you shop eligible offers¹
Frequently Asked Questions
Is Zip suitable for everyday purchase?
Where can I shop with Zip?
How do repayments work?
What are the fees?
How do refunds work?
Is Zip a buy now, pay later like Afterpay, Klarna, Humm and Latitude?
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 check. Other charges may be payable. T&Cs apply.
*Zip Money Instalments - Available to approved applicants only and subject to completion of satisfactory credit check upon application. Instalment plan splits eligible purchases of $300 and above into equal repayments within the interest free period. A monthly account fee of $9.95 applies and a one off establishment fee may apply for new customers. Additional charges may apply, see T&Cs. Under the contract, minimum monthly repayments are required and will vary depending on your credit limit. If you turn off instalments, all future transactions will be reverted to the minimum monthly repayment. Paying only the minimum monthly repayment amount will generally not repay out the purchase within the interest free period. Any balance outstanding at the expiry of the interest free period will be charged at the applicable standard variable interest rate of 25.9% per annum, as at 1 June 2023. Interest, fees and charges are subject to change. Terms & Conditions apply and are available on application. See your contract for further details. Credit provided by ZipMoney Payments Pty Ltd (ABN 58 164 440 993, Australian Credit Licence Number 441878). .