Australia 
New Zealand 
United States Pay later your way
- Apply for up to $2,000
- Pay in 4 instalments over 6 weeks
- Always interest free
- No fees when you repay on time
Online or instore
Buy household goods, book a trip or pay for the dentist. Use Zip at 3,000+ stores, online or instore.
Zero interest
Shop smarter with Zip. Just 4 interest free instalments over 6 weeks.
Zip for merchants
Integrate Zip in 10 minutes and get access to hundreds of thousands of new customers. No APIs required.
4.8
App Store rating
6.0m
Active customers in NZ, Australia and the Americas
$10.1b
in secure total transaction volume for FY24
3000+
NZ stores where you can pay with Zip
6.0 million global Zip active customers and counting
4.8 App Store Ratings
550K+ downloads
22/08/2025
Loyal customer!
I've had zip for a few years now, always been helpful around any special occasion ,if or when money is tight, overall great experience :grin:
18/08/2025
Old Zippy!
Been with these guys since they started here in NZ. Love them! Yes I get busted a financial penalty when I’m a bit late but they treat me like an adult! Not a naughty child that gets punished forever like another SNPL outfit does!
12/08/2025
Zip made it easier!
ZIP has made it easier for me to buy things and manage my money by letting me pay in 4 instalments. Most of the time, I knock out the first two payments in the first week with a bigger initial payment to get things moving. From upgrading my gaming PC, buying a 55 inch 4K QLED TV, PS5 gaming console or decking out my outfit with Nike Air Jordans, ZIP's the way to go!
05/09/2025
Receipt!
Love how you get the receipt so you can remember what you are paying for, being able to see what items you brought is just that little extra other apps don’t have.
Download the app to get started
Get instant access to shop now, pay later at thousands of brands—online or in-store.