Zip - Shop Now, Pay Later

ZIP PAY – UP TO $1,000 LIMIT
Shop now, pay later, always interest free.¹ 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
Extra spending power with $0 international transaction fees. Interest free if your month-end balance is under $1,500, or 12.95% p.a. on amounts above.³

ZIP MONEY – UP TO $5,000 LIMIT
Cover bigger purchases: holidays, IVF or more. Enjoy interest free terms and flexible repayments.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. Choose a loan term that suits you, with lengths from 3 to 7 years.

¹ Zip Pay: T&Cs and a $9.95 monthly account fee apply. Other charges may be payable. Fees and charges subject to change.

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.

⁴ 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 repayments are required and vary according to credit limit. 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.

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. T&Cs and credit approval criteria apply. We will determine the interest rate available to you based on your credit score and financial information provided during your application. The interest rate on the Zip Personal Loan ranges between 11.99%p.a. to 21.99%p.a. T&Cs and credit approval criteria apply. A monthly account fee of $9.95 and one-off establishment fee of $199 will apply.

All products - Interest and 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. 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).