Buy Now, Pay Later With ZipMoney


Who is Zip?

Zip is a leading player in the digital retail finance and payments industry.   Zip offers point-of-sale credit and digital payment services to the retail, education, travel and health industries, through its zipMoney and zipPay brands.  

We are focused on offering transparent, responsible and fairly priced consumer finance products. Find out more at or

What is zipMoney?

zipMoney is a safe, simple and convenient way to pay for your purchase over time. It provides you with the flexibility to buy now and pay for it later on an interest-free payment plan.

The zipMoney process is entirely paperless and designed around simplicity.

Once signed-up, you receive a digital account (also known as a line of credit) for a set amount that allows you to make purchases and enjoy interest-free terms. You only need to sign up once, and can re-use the account as often as you like.

How does zipMoney work?

  1. Complete your application and get a decision in minutes
  2. zipMoney pays the retailer on your behalf
  3. You pay zipMoney over time in easy monthly payments


Can I check out with zipPay?

Yes! If you have an existing zipPay account, you can check out here. Find more info here.

Frequently Asked Questions

Who can apply?

  • Must be 18 years of age
  • Must be an Australian citizen or a resident
  • Must be employed in some capacity

How do I get started?

Apply Now and complete the easy 3 minute application. You'll be surprised at how simple the process is. Alternatively, you can sign up during the checkout process if checking out online.

Once approved and you accept the terms and conditions, zipMoney will pay for your purchases on your behalf.

What else do I need to know?

Although zipMoney's interest free plan allows you to shop today without paying anything upfront, it is a loan and must be paid back. Failure to do so could affect your future credit rating.


zipMoney's payment plans are interest free for a specific period, but please be aware that interest will start to accrue after the interest free period. You can see your interest free balance, how long it is estimated to take to repay the loan and change your payment schedule in your digital wallet.


What are the benefits?

Buy the goods you want today and pay nothing upfront. By paying with your zipMoney account, you can split the cost of your purchase and pay over time. zipMoney pays for your purchases on your behalf; no money ever changes hands.


You're also provided with a virtual account so for your next purchase, all you need to do is sign-in to your digital wallet, confirm and pay. There's no more need to use your credit card or seek a loan elsewhere.


It's simple and easy to use.


What are the fees?

  • No deposit and nothing to pay today.
  • A one off establishment fee may apply, which is added to your interest free balance.* Minimum monthly payments apply.
  • Interest will accrue at the standard annual percentage rate, should you have balance remaining at the end of your interest free period*
  • A small monthly admin fee of $6.00 (only payable if a balance is owing)


Where can I find out more?

Call 1300 ZIPPAY (02) 8294 2345