Zip Money & Zip Pay

Zip Money is a line of credit for amounts of $1,000 and over.
Interest free terms available* — customers enjoy interest free terms* and flexible repayments. Use Zip Money for purchases of any amount up to $50,000, with up to 60 months interest free (available at select partners). The interest free period is determined by the Zip partner you are shopping with and how much you spend. It will be confirmed when you authorise any purchase.

There is an establishment fee based on your Zip Money credit limit, which we confirm at the start of the application and in the contract if you are approved. There is also a $7.95 monthly account fee when there is an outstanding balance at the end of each month.

Customers choose to repay on a flexible repayment schedule — flexible repayments that put customers in control: choose how much, when, and how often they repay.

You might also be interested in our other product, Zip Pay.

Zip Pay is a line of credit up to $1,000 with no interest ever. The minimum monthly repayments are as little as $40, and a $7.95 monthly account fee applies if your statement closing balance is not paid in full by the due date.

You can use Zip Pay and Zip Money accounts to shop with any of our partners.

If you would like to apply for either Zip Pay or Zip Money, you can do so here. You are also welcome to apply for both Zip Pay and Zip Money, and customers can have both accounts open at the same time.

*Zip Pay disclaimer
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 assessment. Other charges may be payable. Fees and charges subject to change. T&Cs apply. Credit provided by ZipMoney Payments Pty Ltd (ABN 58 164 440 993), Australian Credit Licence Number 441878.

*Zip Money disclaimer
T&Cs and credit approval criteria apply. A monthly account fee of $9.95 will apply. A one-off establishment fee may apply for new customers. Any balance outstanding at the expiry of the interest free period will be charged at the standard variable interest rate, 25.9% per annum, as at 1 June2023. Other charges maybe payable, see T&Cs.
Interest, fees and charges subject to change. Minimum monthly payments are required and vary depending on credit limit. Paying only the minimum monthly repayment may not repay a purchase within the interest free period. Paying the minimum monthly repayment may result in paying off the purchase before the interest free period expires. Credit provided by ZipMoney Payments Pty Ltd (ABN 58 164 440 993), Australian Credit Licence Number 441878.