own it now, pay later

Zip gives you the freedom to buy the things you love today. No fuss, no wait, no worries.

Nothing to pay today

We pay the store, you take the goods the same day.

Interest free

Easy interest free payments. No hidden fees.

Flexible repayments

Pay us back how you like - weekly, fortnightly or monthly.

Reusable account

A reusable account with a limit that suits your needs.


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

Minimum repayments

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

How to use Zip at Tooth Smart Dental

Want it.

Choose the treatments you need.

Get it.

Select Zip at the checkout.

Own it.

Enjoy the healthier smile.

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.
  • Read more here about repayments, interest and fees for Zip Pay and Zip Money.

    Call (07) 3399 6228