In-Store
Stores- Find an item you love and select Zip Money at checkout.
- Complete a quick application and get a decision straight away.
- Pay for the item with your new digital wallet
- That's it! Enjoy your new purchase and pay us over time.
The important stuff:
Zip Money offers credit limits between $1000 and $8,000 to approved applicants only. Depending on your credit limit, you may be charged a one-off establishment fee (refer to table below) outlined to you on application. All purchases carry an interest-free period, as outlined in your contract, after which your outstanding balance will accumulate interest at the standard annual rate.
Regular repayments are taken automatically via direct debit – you can set these to suit your lifestyle, provided you meet the monthly minimum highlighted in your contract (refer to table below). Please note that payments will only be accepted from debit cards via your bank account. You can make additional payments whenever you like through your debit card or BPay. Just keep in mind your scheduled payment will still also take place!
| Credit Limit Repayment | Est. Fee | Minimum Monthly Repayment |
| $1,000 | $0 | 3% or $40 |
| $2,000 | $25 | 3% or $40 |
| $3,000 | $49 | 3% or $80 |
| $4,000 | $75 | 3% or $80 |
| $8,000 | $99 | 3% or $40 |
