How it works

  • Shop today, interest free and pay later with Zip
  • Own it now, pay later

Say ‘goodbye’ to wishing and waiting. Say ‘hello’ to owning and loving it.

  • Buy now and pay later online and in-store
  • No upfront payments. No hidden fees.
Own it

Zip account

Apply for your zip account and make as many purchases as you want up to your limit.


Payment flexibility

Everyone’s different. That’s why we let you tailor your payments to suit your lifestyle.


Interest free

Every purchase you make with Zip is interest free. Online or instore, every time, every day.

Payments explained

It’s easy! Every time you make a purchase we simply add it to your account. Then at the beginning of the month, we send you a summary (called a “statement”) of what you spent and what you paid in the month. You can then pay it back in full at the end of the month or pay over time from as little as $40 a month, interest free.

How does interest free work?

We charge the store a small fee on each transaction, just like credit cards do. That fee then helps us to provide you interest free terms on every purchase. It’s that easy!

Join the thousands of Australians who choose to check out with zipPay every day