own it now, pay later
Zip gives you the freedom to buy the things you love today. No fuss, no wait, no worries.
Nothing to pay today
We pay the store, you take the
goods the same day.
Easy interest free payments.
No hidden fees.
Pay us back how you like -
weekly, fortnightly or monthly.
A reusable account with a
limit that suits your needs.
Zip FAQsVisit Help Centre
All you need is:
How to use Zip:
- Choose the account that's right for you.
- Sign up and get a decision in minutes.
- Select Zip at checkout.
- Log into your account to set up your repayment schedule to suit your lifestyle.
- Reuse your account anywhere you see the Zip logo.
Fees & interest:
- Zip Pay purchases are interest free, always.
- Zip Money is interest free if you pay off your purchases within the interest free period.
- Standard interest rate of 19.9% applies after the interest free period.
- The $6.00 monthly account fee is waived if you pay your balance by the due date.
- If there's nothing owing on your account, there's nothing to pay and no fees.
- Choose from weekly, fortnightly or monthly payments to suit your lifestyle.
- Repayments start from $40 a month and are based on your account's credit limit.
Returns & refunds:
- If your item meets Kira Kollective's returns policy, the purchase amount will be credited back to your Zip account.