What is Zip?

Used and trusted by over 2 million Australians, Zip lets you buy now and pay later using flexible repayments to suit you. There’s no deposit, and every purchase is interest-free.

How is it interest-free?

Zip charges us a fee on each transaction, just like credit cards do. That fee then helps us to provide you interest-free terms on purchases.

How do my repayments work?

Repayments start from just $40 a month and are based on your account’s credit limit. Pay any amount you like as long as you meet the monthly minimum for your account.

Once signed up, you can choose to pay weekly, fortnightly or monthly as long as you pay the minimum payment per month.

Am I eligible for Zip Money?

To be eligible to apply for a Zip Money account, you need to:
  • Be an Australian citizen or permanent resident
  • Be at least 18 years of age
  • Be employed in some capacity, earning more than $300 per week
  • Have not declared bankruptcy or insolvency

How can I apply?

Add your chosen product to the cart and apply at checkout to get a decision in minutes. You can then start using Zip with us (and on any other websites where you see Zip logo at checkout).

You will own the items, with nothing to pay today. Simply spend over time on a schedule that suits you.

Keep in mind you can only use a debit card or bank account to repay with Zip.

What are the terms & fees?

To approved applicants only. Minimum monthly payments depend on the value of the purchase; payments start from $40 per month. Please consider your monthly payments, based on your purchase price, to ensure the account is cleared within the interest-free period. Any balance outstanding at the expiry of the interest-free period will be charged interest at the contractual rate, currently 19.9%. 

Establishment fees vary and start at $25 and a monthly account service fee of $6.00 also applies. 

Credit provided by zipMoney Payments Pty Limited (ABN 58 164 440 993, Australian Credit Licence Number 441878).

Elite Series 2
Wellness Water + Essential Minerals

  • Interest-Free Monthly Repayment: $66 ($15 per week)
  • Minimum Monthly Repayment: $40
  • Establishment fee: $25
  • Monthly Account Fee: $6
Buy Now - Elite Series 2

Elite Series 3
Reverse Osmosis + Mineral & Alkaline Enhancer

  • Interest-Free Monthly Repayment: $91 ($21 per week)
  • Minimum Monthly Repayment: $40
  • Establishment fee: $25
  • Monthly Account Fee: $6
Buy Now - Elite Series 3

Elite Series 5
Wholehouse Complete Protection

  • Interest-Free Monthly Repayment: $176 ($41 per week)
  • Minimum Monthly Repayment: $80
  • Establishment fee: $49
  • Monthly Account Fee: $6
Buy Now - Elite Series 5

Elite Series 6
Instant Chilled & Filtered

  • Interest-Free Monthly Repayment: $149 ($35 per week)
  • Minimum Monthly Repayment: $51
  • Establishment fee: $25.00
  • Monthly Account Fee: $6.00
Buy Now - Elite Series 6

Elite Series 7
Instant Boiling & Filtered

  • Interest-Free Monthly Repayment: $176 ($41 per week)
  • Minimum Monthly Repayment: $80
  • Establishment fee: $49.00
  • Monthly Account Fee: $6.00
Buy Now - Elite Series 7

Elite Series 6/7
Boiling & Chilled Filtered

  • Interest-Free Monthly Repayment: $226 ($53 per week)
  • Minimum Monthly Repayment: $80
  • Establishment fee: $49
  • Monthly Account Fee: $6
Buy Now - Elite Series 6/7

Elite Series 8
Billi 901000LCH

  • Interest-Free Monthly Repayment: $331 ($77 per week)
  • Minimum Monthly Repayment: $150
  • Establishment fee: $99
  • Monthly Account Fee: $6.00
Buy Now - Elite Series 8

Elite Series 9
Billi 906000LCH

  • Interest-Free Monthly Repayment: $397 ($92 per week)
  • Minimum Monthly Repayment: $150
  • Establishment fee: $99
  • Monthly Account Fee: $6.00
Buy Now - Elite Series 9

Elite Series 10
Billi 933100DCH

  • Interest-Free Monthly Repayment: $264 ($61 per week)
  • Minimum Monthly Repayment: $150
  • Establishment fee: $99
  • Monthly Account Fee: $6.00
Buy Now - Elite Series 10

Great Zip features continued…

Real-time approval

Signing up is quick and easy, enabling you to complete the entire process, including getting a real-time approval decision, in just a few minutes and even while checking out at a store.

Interest-free period

zipMoney offers an interest-free period on all zipMoney transactions, after which your outstanding balance will be subject to the standard APR (currently 19.9% p.a.).

Automatic deductions

Direct debit is an extra feature of zipMoney, allowing automatic deductions to be made directly from your bank account.

Borrow what you need

Unlike lump-sum loans disbursed upfront, with zipMoney you only borrow what you need to make a purchase.

Account management features

Change your repayment amount or payment dates in your convenient online account.