Partnered Stores
Own it now, pay later. Interest free periods available.
Buy what you love today and pay later
How it works
Checkout
Buy what you want and checkout with Zip, instore or online.
Own it
We pay the store you get the goods
Flexible
You pay us back later with flexible repayments
Own it now, pay later
Account limit
Up to $8000
Interest-free period
From 3 months*
Establishment fee
$0 - $99
Minimum repayments
From $40/month or 3% of the outstanding balance,
dependent on limit*
Account fee
$6/month, waived if you have no balance
Establishment fee
$0-$99 dependent on the limit
*Available to approved applicants only. Minimum monthly
repayments are required. Paying only the minimum monthly
repayment amount will generally not repay a purchase within the
interest free period. Any balance outstanding at the expiry of
the interest free period will be charged at the standard
variable rate, 25.9% per annum as at 1 May 2023. The applicable
interest rate is subject to change. A $6.00 monthly account fee
applies. A one-off establishment fee may apply for new
customers. Terms & Conditions apply and are available on
application. See your contract for further details. Credit
provided by Zip Money Payments (NZ) Limited (NZCN 6002009, NZ
FSP 506066).
Zip gives you the freedom to own it today
Nothing to pay on day of purchase
Once approved, use your account to purchase up to your credit limit.
Interest free terms available*
No hidden fees or upfront payments.
Flexible payments
Tailor your repayments to suit your lifestyle – weekly, fortnightly or monthly.
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How can I use Zip online and instore
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Payments explained
It's easy! Every time you make a purchase we simply add it to your outstanding balance. Once a month you’ll receive a statement. You can choose to pay it back in full or pay over time from as little as $40 a month. If you have no outstanding balance the account fee is waived. Learn more about minimum monthly repayments and account fees here.
Minimum repayments
The minimum monthly repayment is either a dollar figure (e.g. $40), or 3% of your balance owing - Whichever is greater*
$6 monthly account fee
Waived if your balance owing is $0 at the end of the month.
Payment due dates
You payment due date is typically set to be the day after you accepted your contract each subsequent month.
We're here for you
Get all the support, when you need it from the team at Zip HQ in Sydney.