Own it now,
pay later.
Interest free.

No set up fees. No monthly account fees.
Pay no fees ever when you repay on time
and in full.

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    Shop online and instore.

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    4 equal payments over 6 weeks.

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    Apply in minutes.


2M+ customers across Australia and New Zealand


Over $2 billion secure transactions since 2013


App downloads for iOS and Android


4.5/5 App and Play Store reviews

Shop instore

Create an instore code and present to staff at checkout when ready to pay.

Shop online

Shop online as normal and choose Zip as the payment method at checkout.

0% Interest

Approve the purchase and only pay 25%, then 3 further fortnightly, interest free payments.

How to create your account

Own it now, pay later.

Apply in minutes with a photo ID and debit card.

Pay in 4 instalments with no interest

Up to $1,000

Get instantly approved up to $1,000 to spend with 6 weeks to pay.
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Interest free always

Every transaction you make with Zip is interest free always.

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Pay in 4 instalments

Pay just 25% at checkout and the rest over 3 fortnightly payments.

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No establishment fee

Pay nothing to create your Zip account.

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No account fee

Never pay more than the items you buy when you repay on time.

Late payment fees apply.

How Zip Works

Sign up

Verify your identity and add a debit card to apply

Browse and shop

Choose Zip at checkout and pay just 25%.

Repay interest free

Pay the remaining balance over 3 fortnightly, interest free payments.

Increase your limit

Repay your purchase on time and in full to increase your spend limit, up to $1,000.

Trusted by 2 million
Zip users


4.5/5.0 App Store



4.5/5.0 Google Play


Quote Mark

Awesome app! Easy to use online and instore. Easy to follow through with payment cycle etc.

User VeeOhElle

Quote Mark

Very happy, easy way to purchase when short on cash, makes most things affordable 👍

User Nanny Bee🐝

Quote Mark

We use zip all the time. It’s a great payment option.

User Leigh1120


4.5/5.0 App Store



4.5/5.0 Google Play


Get started on
the app today

It's free to download and easier to sign up with.