Zip - Shop Now, Pay Later 4.7.2.1

ZIP PAY – UP TO $1,000 LIMIT
Shop now, pay later, always interest free.¹ For everyday spending, use the Zip Pay Visa Card anywhere Visa² is accepted—for groceries, bills, and more. Choose weekly, fortnightly, or monthly repayments.

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ZIP PLUS – $2,000 TO $8,000 LIMIT
Get extra spending power with interest free flexibility. Perfect for everyday purchases or travelling overseas with $0 international transaction fees.
Interest free when your end of month balance is under $1,500. And a low rate of 12.95% p.a. on total owing, applies when it's over $1,500.³

ZIP MONEY – UP TO $5,000 LIMIT
Cover bigger purchases— holidays, IVF or more. Get 3 months interest free and up to 5 years at select partners.⁴

ZIP PERSONAL LOAN – UP TO $50,000 LIMIT
A personal loan that rewards on-time repayments with a 1% p.a. rate drop every year⁵. Use it for debt consolidation, a car, home renovations and more. Enjoy a rate reduction on each loan anniversary when you repay all your Zip accounts on time.

¹ Zip Pay: 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 check. Other charges may be payable. T&Cs apply.

² Zip Visa Card is available with Zip Pay and Zip Plus. Zip Visa Card T&Cs apply.

³ Zip Plus: Interest accrues daily on the total balance owing at the end of each day. No interest will be charged to your account in a given month if the balance owing at the end of the last day of that calendar month is $1,500 or less. Each day ends at 11:59pm AEST (AEDT during daylight savings). Standard interest rate is 12.95% p.a. T&Cs and credit approval criteria apply. A monthly account fee of $9.95 will apply if the total balance owing is not paid in full by the end of the last day of the calendar month. Interest and other charges may be payable, see T&Cs.

⁴ Zip Money: Available for approved applicants only and subject to completion of satisfactory credit assessment. Minimum monthly repayments are required and vary depending on credit limit. Paying only the minimum monthly repayment amount will generally not repay the purchase within the interest free period. Paying the minimum monthly repayment may result in paying off the purchase before the interest free period expires. 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 June 2023. 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 & Conditions apply and are available on application. See your contract for further details.

Zip Plus and Zip Money - Interest, fees and charges are subject to change. Terms & Conditions apply and are available on application. See your contract for further details. Minimum monthly repayments are required and will vary depending on your credit limit. Credit provided by ZipMoney Payments Pty Ltd (ABN 58 164 440 993, Australian Credit Licence Number 441878).

⁵ The rate drop is applied to your personal loan at the end of each anniversary year. To be eligible for an annual rate drop, you must, during the anniversary year, make all repayment amounts by the due date each month on your personal loan and any other accounts you hold with Zip. If you miss any repayments under your loan agreement or any of your other Zip accounts at any time, you will not be eligible for an annual rate drop on your next anniversary date, but you may be eligible in subsequent anniversary years if you meet the criteria during those anniversary years. You may not receive the full benefit of annual rate drops if the variable interest rate increases, which may happen from time to time.