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Zip - Own it now, pay later

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BUY THE THINGS YOU LOVE TODAY WITH ZIP

Zip gives you the freedom to own it today. No fuss, no wait, no worries.

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UP TO $3,000

Apply for an account that suits your needs and go in store to make your purchase.

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INTEREST FREE

Easy interest free payments. No hidden fees or upfront payments.

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FLEXIBLE PAYMENTS

Choose repayments that suit your lifestyle - weekly, fortnightly or monthly

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REUSABLE ACCOUNT

Use your account again and again, with one simple payment schedule for all your purchases.

Choose from two great ways to own and pay for everything you want and need.

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Credit limit Under $1000 Over $1000
Interest free period Interest free always 0% interest for up to 6 months, 19.9% after interest-free period.
Establishment fee $0 $0 - $99
Minimum repayments $40/month From $40/month depending on your account limit
Monthly fee $6/month waived if you have no balance
see terms
$6/month waived if you have no balance
see terms

APPLY NOW

How does Zip Pay work?

It's easy! Every time you make a order, the total amount will add into your zip account. Then at the beginning of the month, you will receive a summary (called a "statement") of what you spent and what you paid in the month. You can then pay it back in full at the end of the month or pay over time from as little as $40 a month, interest free.

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Today

Buy a Dogtra YS300 Bark Collar

$179 - nothing to pay

Tomorrow

Buy a Garmin Delta XC Dog Training Collar

$359 - nothing to pay

1st Day of Next Month

Receive a statement

Balance: $538

Last Day of Next Month

First payment due

Pay in full or a mini.of $40

How does Zip Money work?

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Today(3 Months Free Interest Period Starts)

Buy a Garmin Alpha 100/T5 Kit

$1099 - nothing to pay

The same Date of Next Month

Make first payment - $366

Balance: $733

The same Date of Second Month

Make second payment - $366

Balance: $366

The same Date of Third Month

Make the last payment - $367

Balance: $0

If you didn't make payment in full ($1099) after 3 months interest free period, a standard interest rate of 19.9% will apply to any remaining balance in your account. The minimum monthly repayment is required. It will be either a dollar figure (e.g. $80), or 2-3% of your balance owing - whichever is greater. The minimum monthly repayment for your account is outlined in your contract when you made the purchased.