zipMoney

Who is Zip?

Zip is a leading player in the digital retail finance and payments industry.   Zip offers point-of-sale credit and digital payment services to the retail, education, travel and health industries, through it’s zipMoney and zipPay brands.  

We are focused on offering transparent, responsible and fairly priced consumer finance products. Find out more at zippay.com.au or zipmoney.com.au.

What is zipMoney?

zipMoney is a safe, simple and convenient way to pay for your purchase over time. It provides you with the flexibility to buy now and pay for it later on an interest-free payment plan.

The zipMoney process is entirely paperless and designed around simplicity.

Once signed-up, you receive a digital account (also known as a line of credit) for a set amount that allows you to make purchases and enjoy interest-free terms. You only need to sign up once, and can re-use the account as often as you like.

How does zipMoney work?

Complete your application and get a decision in minutes

zipMoney pays the retailer on your behalf

You pay zipMoney over time in easy monthly payments

 

Can I check out with zipPay?

Yes! If you have an existing zipPay account, you can check out here. Find more info here.

Frequently Asked Questions

Who can apply?

Must be 18 years of age

Must be an Australian citizen or a resident

Must be employed in some capacity

How do I get started?

Apply Now and complete the easy 3 minute application. You'll be surprised at how simple the process is. Alternatively, you can sign up during the checkout process if checking out online.


Once approved and you accept the terms and conditions, zipMoney will pay for your purchases on your behalf.
 

What else do I need to know?

Although zipMoney's interest free plan allows you to shop today without paying anything upfront, it is a loan and must be paid back. Failure to do so could affect your future credit rating.

 

zipMoney's payment plans are interest free for a specific period, but please be aware that interest will start to accrue after the interest free period. You can see your interest free balance, how long it is estimated to take to repay the loan and change your payment schedule in your digital wallet.

 

What are the benefits?

Buy the goods you want today and pay nothing upfront. By paying with your zipMoney account, you can split the cost of your purchase and pay over time. zipMoney pays for your purchases on your behalf; no money ever changes hands.

 

You're also provided with a virtual account so for your next purchase, all you need to do is sign-in to your digital wallet, confirm and pay. There's no more need to use your credit card or seek a loan elsewhere.

 

It's simple and easy to use.

 

What are the fees?

No deposit and nothing to pay today.

A one off establishment fee may apply, which is added to your interest free balance.* Minimum monthly payments apply.

Interest will accrue at the standard annual percentage rate, should you have balance remaining at the end of your interest free period*

A small monthly admin fee of $6.00 (only payable if a balance is owing)

 

Where can I find out more?

Call 1300 ZIPPAY (02) 8294 2345
Email: customercare@zipmoney.com.au
Visit: https://www.zipmoney.com.au

Terms and Conditions

*Available to approved applicants only. Minimum monthly repayments are required, see your contract for details. Paying only the minimum monthly repayment amount will not pay out the purchase within the interest free period. Any balance outstanding at the expiry of the interest free period will be charged interest at the standard annual percentage rate, currently 23.9%. A one off establishment fee applies, see your contract for details. A Monthly Account Service Fee of $6.00 (when balance owing) apply. Terms & Conditions apply and are available on application. Credit provided by zipMoney Payments Pty Limited (ABN 58 164 440 993, Australian Credit Licence Number 441878). Visit www.zipMoney.com.au to find out more.
 

zipPay

Who is Zip?

Zip is a leading player in the digital retail finance and payments industry.   Zip offers point-of-sale credit and digital payment services to the retail, education, travel and health industries, through it’s zipMoney and zipPay brands.  

We are focused on offering transparent, responsible and fairly priced consumer finance products. Find out more at zippay.com.au or zipmoney.com.au.

What is zipPay?

zipPay is a safe, simple and 100% interest free payment solution, giving shoppers the ability to buy now, and pay later for purchases up to $1000 – without the need for a credit card. Once approved, customers are given access to a new shopping account that allows them to make flexible repayments on their own terms.

How does zipPay work?

Checkout with zipPay: Create your account and confirm your purchase

Your order is processed immediately - zipPay pays on your behalf!

You pay zipPay back over time in easy weekly or monthly payments with no interest ever

 

Can I check out with zipMoney?

Yes! If you have an existing zipMoney account, you can check out here. Find more info here.

Frequently Asked Questions

Who can create an account?

Any Australian citizen or permanent resident, who is 18 years or older and is employed, earning at least $300 per week.

How much does it cost?

At the end of every month, you can choose to pay off your balance in full, or simply make a payment that suits your budget (note: there is a minimum repayment of $40 per month required). A Monthly Service Fee of $6.00 applies. This fee is waived if you pay your balance in full by your due date.
 

There is NO establishment fee to setup your account and interest free always! If you have repaid your balance down to $0 by your due date (up to 60 days after your purchase), you will never be charged any additional fees.

How do I create an account?

You can create an account here or during checkout while making a purchase at any store which offers zipPay. To create an account, all you need is a social media account and to confirm the details that you would normally enter when shopping online (e.g. your name, email, mobile, address, DOB and gender). Subject to approval, this process takes only seconds after which you can complete your purchase and pay for it later! Once you’re approved for your zipPay shopping account, you never have to apply again.
 

What are the fees?

At the end of every month you can choose to pay off your previous months’ Statement Balance in full and you’ll pay nothing extra. Therefore, for every purchase you make you’ll have 30 to 60 days (depending on the date of purchase) to pay with no additional charges.

 

Alternatively, if you need more time to pay simply make a payment that suits your budget (a minimum repayment of at least $40 per month required, if outstanding balance is less than $40, balance is payable). Only one $6.00 monthly service fee will be added to your account for any month you have an outstanding balance, regardless of how many purchases you make. No balance, no fees!


There is NO establishment fee to setup your account and NO INTEREST!


Need more help or have additional questions about zipPay?

Read more FAQs here.

Where can I find out more?

Call 1300 ZIPPAY (02) 8294 2345
Email: customercare@zipmoney.com.au
Visit: https://www.zippay.com.au

 

Terms and Conditions

*To approved applicants only. You may be approved for a lower limit. $6 monthly service fee applies. Pay balance by due date and the service fee is waived. No balance. No fee. See contract for details. zipMoney Payments Pty Ltd. ABN 58 164 440 993.

 

zipMoney + zipPay

Who is Zip?

Zip is a leading player in the digital retail finance and payments industry.   Zip offers point-of-sale credit and digital payment services to the retail, education, travel and health industries, through it’s zipMoney and zipPay brands.  

We are focused on offering transparent, responsible and fairly priced consumer finance products. Find out more at zippay.com.au or zipmoney.com.au.

What is zipMoney?

zipMoney is a safe, simple and convenient way to pay for your purchase over time. It provides you with the flexibility to buy now and pay for it later on an interest-free payment plan.

The zipMoney process is entirely paperless and designed around simplicity.

Once signed-up, you receive a digital account (also known as a line of credit) for a set amount that allows you to make purchases and enjoy interest-free terms. You only need to sign up once, and can re-use the account as often as you like.

 

What is zipPay?

zipPay is a safe, simple and 100% interest free payment solution, giving shoppers the ability to buy now, and pay later for purchases up to $1000 – without the need for a credit card. Once approved, customers are given access to a new shopping account that allows them to make flexible repayments on their own terms.

 

How does Zip work?

Complete your application and get a decision in minutes

Zip pays the retailer on your behalf

You pay Zip over time in easy monthly payments

 

Frequently Asked Questions

 

Who can apply?

 

Must be 18 years of age

Must be an Australian citizen or a resident

Must be employed in some capacity

How do I get started?

 

Apply Now (zipMoney or zipPay) and complete the easy application. You'll be surprised at how simple the process is. Alternatively, you can sign up during the checkout process if checking out online.


Once approved and you accept the terms and conditions, Zip will pay for your purchases on your behalf.
 

What else do I need to know?

 

Although Zip's interest free plan allows you to shop today without paying anything upfront, it is a loan and must be paid back. Failure to do so could affect your future credit rating.

 

zipMoney's payment plans are interest free for a specific period, but please be aware that interest will start to accrue after the interest free period. You can see your interest free balance, how long it is estimated to take to repay the loan and change your payment schedule in your digital wallet.

 

What are the benefits?

 

Buy the goods you want today and pay nothing upfront. By paying with your Zip account, you can split the cost of your purchase and pay over time. Zip pays for your purchases on your behalf; no money ever changes hands.

 

You're also provided with a virtual account so for your next purchase, all you need to do is sign-in to your digital wallet, confirm and pay. There's no more need to use your credit card or seek a loan elsewhere.

 

It's simple and easy to use.

 

Which product is right for me?

 

zipPay gives customers an ‘always interest free’ account up to $1,000. More info can be found here.

zipMoney gives customers an account between $1,000 and $30,000 with interest free terms - 3 months interest free. More info can be found here.

 

What are the fees?

 

No deposit and nothing to pay today.

 

zipMoney:

 

A one off establishment fee may apply, which is added to your interest free balance.* Minimum monthly payments apply.

Interest will accrue at the standard annual percentage rate, should you have balance remaining at the end of your interest free period*

A small monthly admin fee of $6.00 (only payable if a balance is owing)

 

zipPay:

 

At the end of every month you can choose to pay off your previous months’ Statement Balance in full and you’ll pay nothing extra. Therefore, for every purchase you make you’ll have 30 to 60 days (depending on the date of purchase) to pay with no additional charges**.

 

Alternatively, if you need more time to pay simply make a payment that suits your budget (a minimum repayment of at least $40 per month required, if outstanding balance is less than $40, balance is payable). Only one $6.00 monthly service fee will be added to your account for any month you have an outstanding balance, regardless of how many purchases you make. No balance, no fees!


There is NO establishment fee to setup your account and NO INTEREST!

Where can I find out more?

Call 1300 ZIPPAY (02) 8294 2345
Email: customercare@zipmoney.com.au
Visit: https://www.zipmoney.com.au

Terms and Conditions

*Available to approved applicants only. Minimum monthly repayments are required, see your contract for details. Paying only the minimum monthly repayment amount will not pay out the purchase within the interest free period. Any balance outstanding at the expiry of the interest free period will be charged interest at the standard annual percentage rate, currently 23.9%. A one off establishment fee applies, see your contract for details. A Monthly Account Service Fee of $6.00 (when balance owing) apply. Terms & Conditions apply and are available on application. Credit provided by zipMoney Payments Pty Limited (ABN 58 164 440 993, Australian Credit Licence Number 441878). Visit www.zipMoney.com.au to find out more.

 

**To approved applicants only. You may be approved for a lower limit. $6 monthly service fee applies. Pay balance by due date and the service fee is waived. No balance. No fee. See contract for details. zipMoney Payments Pty Ltd. ABN 58 164 440 993.