Buy now, pay later
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
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.