Buy Now, Pay Later

We've teamed up with Zip Pay to let you buy now and pay later for the things you want today.

Zip Pay is a safe, simple & convenient payment option, powered by Zip Money, allowing you to shop online today and pay later for your purchases.

Key features and benefits:

  • Shop without a credit card
  • Easy monthly repayments
  • $1000 shopping account
  • No interest ever!

How Zip Pay works:

1. Checkout online with Zip Pay
Create your account and confirm purchase

2. Zip Pay pays on your behalf
Your order will be processed immediately

3. Pay off your balance over time
Easy payments that suit your lifestyle

*Read more about Zip Pay here
Get your account

Who can apply:

  • Must be an Australian citizen or permanent resident
  • Must be 18 years or older
  • Must be employed, earning at least $300 per week

What are the fees?

Zip Money Instalment plans split eligible purchases of $300 and above into equal repayments within the interest free period. This feature assists you to avoid interest charges for that transaction. Turning off instalments and/or under the contract, minimum monthly repayments are required. Paying only the minimum monthly repayment amount will not repay a purchase within the interest free period. Any balance outstanding at the expiry of the interest free period will be charged at the standard variable rate, 25.9% per annum as at 1 June 2023 and is subject to change. A monthly account fee of $9.95 applies and a one off establishment fee may apply for new customers. Zip Money is available to approved applicants only. Terms & Conditions apply and are available on application. See your contract for further details. Credit provided by ZipMoney Payments Pty Ltd (ABN 58 164 440 993), Australian Credit Licence Number (441878)

How can I apply?

To create a Zip Pay account, all you need is a social media account and to confirm the details that you would normally enter when shopping online.
Subject to approval, this process takes only seconds after which you can complete your purchase and pay for it later!
Once you’re approved for your Zip Pay shopping account, you never have to apply again and can continue to reuse it as much as you like.
Apply here

How do I make repayments?

To ensure you never miss a payment you can setup a direct debit to automatically make your repayments. You can set this to run for as much as you like and as often as you like, as long as you pay at least the minimum ($40) each month.
Additionally, you can make a one-off payment anytime by logging into your Zip Pay Digital Wallet and selecting 'Make a Payment' Payments can be paid online by debit card, credit card or BPay.
Should you have any difficulties in making your payments, please contact Zip Pay direct.
Get your account

Any other questions?

Phone: 02 8294 2345