Zip - Shop Now, Pay Later

Zip - Shop Now, Pay Later gives you flexible spending options across multiple credit products, tailored to different purchase sizes and budget needs.

Zip Pay offers up to $1,000 in spending power with an interest-free Visa Card you can use anywhere Visa is accepted—groceries, bills, everyday purchases. Select weekly, fortnightly, or monthly repayments that fit your schedule. A $9.95 monthly account fee applies.

Zip Plus unlocks $2,000 to $20,000 in extra spending capacity. Use it interest-free if your month-end balance stays under $1,500; balances above that incur 12.95% p.a. International transactions come with no additional fees, giving you flexibility when spending abroad. Monthly account fees apply if your balance isn't paid in full by month-end.

Zip Money covers bigger life events—holidays, medical procedures, major home projects—up to $5,000. Enjoy interest-free terms with flexible monthly repayments tailored to your credit limit. An interest-free period applies depending on your purchase amount and account status; any outstanding balance after that period is charged at 25.9% p.a. A monthly account fee of $9.95 and potential establishment fees apply for new customers.

Zip Personal Loan handles substantial expenses up to $50,000, whether for debt consolidation, vehicle purchases, or home renovations. Choose loan terms between 3 and 7 years and set repayment schedules that work for your finances. Variable interest rates range from 11.99% to 21.99% p.a., determined by your credit profile. A monthly account fee of $9.95 and one-off establishment fee of $199 apply.

All products require credit approval and have terms and conditions that apply. Fees, charges, and interest rates may change. Minimum monthly repayments are required and vary by credit limit. Credit is provided by ZipMoney Payments Pty Ltd under Australian Credit Licence Number 441878.

Download Zip - Shop Now, Pay Later to access flexible payment solutions across everyday purchases and major expenses, with spending limits and repayment terms suited to your financial situation.