| Petstock.com.au

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?

Zip is perfect for everyday purchases and offers the ability to transact just about everywhere, so you can manage all your expenses in one place and repay on a schedule that suits you.

To shop instore, Zip Pay users can tap to pay at checkout.^ To get started with tap to pay, simply navigate to the Zip app and click on the pay tab in the bottom menu. From there, you can follow the prompts to set up your card and add it to your Apple Pay or Google Pay wallet.

To shop online, use the Zip mobile app and generate a single-use card at the checkout anywhere Visa is accepted.

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 - Interest free term subject to minimum spend and promotional partner offer. Available to approved applicants only and subject to completion of satisfactory credit check. Instalment plan splits eligible purchases of $300 and above into equal repayments within the interest free period. The repayment advertised will repay the transaction balance within the interest free period. A monthly account fee of $9.95 will also apply and a one-off establishment fee may apply for new customers. Minimum monthly payments are required -paying only the minimum monthly repayment may not necessarily repay a purchase within the interest free period. Any balance outstanding at the expiry of the interest free period will be charged at the applicable variable rate. The applicable standard variable rate is 25.9% per annum, as at 1 May 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.