Pay Later With Zip Pay

Zip Now, Pay Later.

Zip gives you the freedom to pay for those unexpected emergencies. No fuss, no wait, no worries.

Your everyday spending account

Account Limits

From $1,000

Interest Free Period

Free or up to a minimum of 3 months interest free

Minimum Repayments

From $10/week

You can change the frequency of your payments to weekly, fortnightly, or monthly, as long as you pay minimum $40 per month.

Establishment Fee

From $0 up to $99

Monthly Account Fees

$9.95/month or $0 if no balance* (waived if your statement balance is zero)

See here for more details on Zip

*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. Visit zip.co/au/zip-pay to find out more.

Zip FAQ's

  • A valid email address and mobile number.
  • Be at least 18 years old.
  • Be an Australian Citizen or Permanent Resident
  • Have a good credit history.
  • Read more about what you need to apply for Zip Money
  • Choose from weekly, fortnightly or monthly payments to suit your lifestyle
  • Repayments start from $40 a month and are based on your account’s credit limit.*
  • Choose the account that’s right for you.
  • Sign up and get a decision in minutes.
  • Select Zip at checkout.
  • Log into your account to set up your repayment schedule to suit your lifestyle.
  • Reuse your account anywhere you see the Zip logo.

If your item meets Orange Sherbet’s returns policy, the purchase amount will be credited back to your Zip account.

  • Zip Pay purchases are interest free, always.
  • For Zip Money, when the interest free period expires, the annual standard percentage of 19.9% applies.
  • The $6.00 monthly account fee is waived if you pay your balance by the due date.
  • If there’s nothing owing on your account, there’s nothing to pay and no fees.