Zip - Shop Now, Pay Later

Enjoy the flexibility to pay for and manage life’s spending with confidence.

ZIP PAY – UP TO $1,000 LIMIT
Shop now, pay later, always interest free.¹ Use the Zip Pay Visa Card anywhere Visa² is accepted for groceries, bills and more. Choose weekly, fortnightly or monthly repayments.

ZIP PLUS – $2,000 TO $8,000 LIMIT
Extra spending power with $0 international transaction fees. Interest free if your month-end balance is under $1,500, or 12.95% p.a. on amounts above.³

ZIP MONEY – UP TO $5,000 LIMIT
Cover bigger purchases: holidays, IVF or more. Enjoy interest free terms and flexible repayments.⁴

ZIP PERSONAL LOAN – UP TO $50,000 LIMIT
Use it for debt consolidation, a car, home renovations and more. Choose a loan term that suits you, with lengths from 3 to 7 years and flexible repayments.⁵

¹ Zip Pay: T&Cs and a $9.95 monthly account fee apply. Other charges may be payable.

² Zip Visa Card is available with Zip Pay and Zip Plus. Zip Visa Card T&Cs apply.

³ Zip Plus: Interest accrues daily on the total balance owing at the end of each day. No interest will be charged to your account in a given month if the balance owing at the end of the last day of that calendar month is $1,500 or less. Each day ends at 11:59pm AEST (AEDT during daylight savings). Standard interest rate is 12.95% p.a. T&Cs and credit approval criteria apply. A monthly account fee of $9.95 will apply if the total balance owing is not paid in full by the end of the last day of the calendar month.

⁴ 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.