own it now, pay later
Zip gives you the freedom to buy the things you love today. No fuss, no wait, no worries.
Whatever Your Dental Needs Are, Tooth Smart Dental Offers Zip For That
Two great ways to help you own it.
Your everyday spending account
Up to $1,000
Account limits
Up to $1,000
Interest free period
Always interest free
Establishment Fee
$0
Minimum repayments
$40/month
Monthly fees
$6/month (waived if you have no balance)
Apply for Zip Pay
Ideal for life’s bigger buys
Over $1,000
Account limits
$1,000 - $6,000
Interest free period
Up to 12 months interest free
Establishment Fee
$0 - $149 (one off fee added to your balance)
Minimum repayments
From $40/month or 3% (whichever is greater)
Monthly fees
$6/month (waived if you have no balance)
Apply for Zip Money
All you need is:
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 Pay and
Zip Money.
How to use Zip:
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 a repayment schedule to suit your lifestyle.
Reuse your account anywhere you see the Zip logo.
Fees & interest:
Zip Pay purchases are interest free, always.
Zip Money is interest free if you pay off your purchases within the interest free period.
Standard interest rate of 19.9% applies after the interest free period.
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.
Repayments:
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.
