Zip - Own it now, pay later

• We’re local

  Zip is Australian owned and founded

• We’re here to help

  Talk to our Sydney-based customer service 6 days a week

• We’re almost everywhere

  Shop online and instore at over 63,000 Zip partners

Apply now

Loved by millions of shoppers globally and counting

Reviews from the App Store

• ★★★★★

  My favourite digital wallet

  Simple app easy to navigate, makes purchasing easy & you’re in control when it comes to your repayments. I’ve now been using zip money for 4 years and absolutely love it & recommend to all my friends.

  Verified

• ★★★★★

  Such a great app.

  I am very organised when it comes to my finance and having zip makes my shopping activity easier and convenient, especially doing online shopping.

  Verified

• ★★★★★

  Borrowing made easy.

  Zip is providing outstanding financial services to support in hard times and making my life easier throughout by flexibility in repayments.

  Verified

• ★★★★★

  I cannot fault ZipPay or ZipMoney.

  The Zip app works great for both online and in-store purchases. I am in Australia, all works flawlessly! The updates, receipts etc via email are on point, not at all spammy!!

  Verified

Frequently Asked Questions

How long does it take to apply?

Applications take around 5 minutes to complete. Make sure you have your online banking login details, proof of identity and employment information handy to help with a speedy application. Most applications are decided within the same business day, however applications submitted on weekends or that require further information may take longer.

How much can I apply for?

Zip Money accounts offer credit limits from $1,000 to $5,000. The limit you are approved for depends on your personal circumstances and the outcome of a credit assessment.

How do repayments work?

You will receive a monthly statement showing your minimum monthly repayment. You can pay more at any time with no penalties, through the Zip app or online, and direct debit keeps your repayments on track automatically.

How do refunds work?

Refunds are processed by the retailer. Once Life Interiors has processed your refund, it is credited back to your Zip account and your balance is reduced by the refunded amount.

* Zip Money: The interest free period is the maximum period of time when no interest is charged on the purchase. The availability of the interest free period for a purchase will depend on the purchase amount, the minimum monthly repayment and account status. Minimum monthly payments are required and vary depending on your closing balance at the end of each statement period. Minimum monthly repayments may require repayment of the purchase prior to the expiry of the maximum interest free period. In other cases, paying only the minimum monthly repayment may not repay the purchase in the interest free period. Any purchase amount 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 June 2023. Zip Money is available to approved applicants and subject to completion of a satisfactory credit assessment. A monthly account fee of $9.95 applies and a one-off establishment fee may apply for new customers. Other charges may be payable, see T&Cs. Interest, fees and charges are subject to change. Terms and Conditions apply and are available on application. Credit provided by ZipMoney Payments Pty Ltd (ABN 58 164 440 993), Australian Credit Licence Number 441878.