zipPay allows you to shop now and pay later

zipPay is an Australian company that allows you to shop now, have your products shipped to you immediately and then pay them off, interest free. You don’t even have to pay a deposit on the day we process your order. Think of it as a zero deposit layby that you get to take with you immediately.

How does it work?

  1. Choose zipPay as your payment option during the checkout
  2. Sign in to your zipPay account (or sign up) to complete your transaction
  3. We process and ship your order
  4. You log in to your zipPay account and decide when your scheduled payments are and how much

No interest payments. Ever.

You have until the end of the next calendar month to pay off your purchase with zero additional cost to you. While there’s never any interest charges on your purchase, there is a small account keeping fee of $5 a month if you still owe money after the end of the following calendar month. Shop on the 1st of the month and you’ll have 60 days to pay off your account fee free.

A minimum of $40 a month is required for repayments (or balance owing if it’s lower) and that’s it. You can make a major appliance purchase with us and take 12 months or longer to pay it off and the fees will still only be $5 a month, which is considerably less than a credit card would be.

Who’s eligible for a zipPay account

Any Australian over the age of 18 can apply for a zipPay account. CLICK HERE to start your application.

What credit limit is available

You can apply for a credit limit up to $1,000 on application.

Got more questions?

There is a comprehensive FAQ guide on the zipPay website.