Payment Options

How Zip Money works

  • Apply for $1,000 – $30,000
  • Pay nothing today
  • 3 to 30 months interest free*
  • $9.95/mth account fee or $0 if nothing owing
  • One off establishment fee up to $99 may apply

What you’ll need to apply

  • Your employment details
  • Your residential details
  • Your online banking login to verify your income
  • Your passport or driver licence

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 40,000 Zip partners

Frequently Asked Questions on Zip Money

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?
When applying direct with Zip.co you can apply for up to $5,000 with Zip Money, every purchase you make will automatically come with 3 months interest free on repayments*.

If you are looking to make a specific purchase via one of our retailer partners you may be able to apply for credit limits up to $30,000 and receive up to 60 months interest free*. Use the calculator at the top of this page to find out if the merchant you are shopping with has extended interest free terms.

How do repayments work?
Repayments are automatically direct debited from the payment method that you added when you created the account. You can change the payment method at any time and the frequency of your payments to weekly, fortnightly or monthly as long as you’re covering the minimum monthly repayments. Choose what works best for you.
How do refunds work?
If you return goods to a retailer and they agree to a refund, your Zip account will be credited with the agreed refund amount. The funds will then be put towards your owing balance or depending on the refund amount your account may be placed in credit.
Ready to schedule your appointment?
simply pick up the phone and call us at (02) 9567 4151 today