- 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
- 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
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
Reviews from the App Store
My favourite digital wallet
Simple app easy to navigate, makes purchasing easy & you’re in control when it comes to your repayments...
Verified
Such a great app.
I am very organised when it comes to my finance and having zip makes my shopping activity easier...
Verified
Borrowing made easy.
Zip is providing outstanding financial services to support in hard times and making my life easier...
Verified
I cannot fault ZipPay or ZipMoney.
The Zip app works great for both online and in-store purchases… updates and receipts via email are on point.
Verified
Frequently Asked Questions
How long does it take to apply?
Applications take around 5 minutes to complete. Have your online banking login details, proof of identity and employment information handy. Most applications are decided within the same business day; weekend applications or those requiring more info may take longer.
Where can I shop with Zip?
Shop online and instore at over 58,000 Zip partners. Browse participating retailers in the Zip app or on zip.co.
How do repayments work?
Set up repayments that suit you in the Zip app. Minimum monthly repayments apply. Fees may apply—see Zip’s T&Cs.
How do refunds work?
Refunds are handled by the retailer. Once issued, Zip adjusts your account balance. Processing times can vary.
* 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.
** Tap to pay instore available with Zip Pay and Zip Plus only. Zip Visa Card T&Cs apply. Single-use card available with Zip Pay, Zip Plus and Zip Money only. Use the Card everywhere that Visa contactless payments are accepted online. Card T&Cs apply.
^ 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.