1. Up to 60 days to pay with no fee

Zip Pay works like an account. For all purchases, you make during a month you receive a statement with your closing balance on the 1st day of the following month. You have until the end of the month to pay off your balance for the account to remain fee free.

Here’s an example : If you make your first purchase on the 1st of March for $39, you will receive a statement on the 1st of April with the closing balance of $39 (unless you made more purchases in March) which you need to pay off until the 30th of April in order to not have to pay the account fee of $6.


Should you wish to carry your balance into May, you simply pay a small $6 monthly account fee. No balance - no fee!
Find out more about How Repayments Work here.

2. The Limits

Zip Pay offers 3 different credit limits: $350 (previously $250), $500 and $1,000. Our algorithm will automatically decide which maximum limit you will be eligible for based on our minimum criteria evaluated during the application process.
Find out How to increase your limit here. 

3. Application Process

You can apply for an account here using your Facebook, PayPal or Email details or during checkout at any of our stores. In the application process, we look at things like your credit score, income stability and if you can pay back the credit. We also check your identity (via Facebook or Paypal) to make sure you are who you say you are.

Subject to approval, sign-up takes only seconds, after which you can complete your purchase and pay for it later. Once approved for your Zip Pay account, there’s no need to apply again. You can continue to use your Zip Pay account anywhere that accepts Zip Pay.

4. Registering your Account

If approved, you will be able to activate your account immediately from the application form. This step details your contract and requires you to provide your payment details for your regular direct debit payment.

5. Making a purchase

You can now use your account at any Zip Pay affiliated retailer. Your account can be used both in-store and online!

Find out more about how to shop in-store and online

6. Repayments (more here)

Payments are taken automatically via direct debit - you don't need to manually transfer money unless you would like to pay down your balance faster, and it doesn't replace your scheduled payment run! You can set up your repayments to fall monthly, fortnightly or weekly at whatever amount suits (provided this is greater than the monthly minimum of $40). If you decide not to set up an individual schedule, we will take repayments automatically at the end of the next month even.

7. Additional Payments

You can also make additional payments whenever you like via card or BPay. 

Again, please be aware that your scheduled payment will still be processed even if you make an additional payment outside of schedule!

8. Failed Payments

If your payment fails, we will send you a notification. Simply put some money into your nominated payment method and we will attempt to reprocess payments the following day.

9. Closing your account

There are no fees associated with keeping your account open when your balance is $0.00. However, if you want to leave us, please let us know here so that we can close your account.