Buy more of what you want, and have more time to pay!

No Deposit

Quick & Simple

3 Months Interest Free

Up to $1,000
reusable credit

Low and easy
monthly payments


How zipMoney Works

Simple Application 3 minutes to complete application

Shop Instantly Get your goods today

More time to pay Flexible payments to suit your life

Get Approved Now

A decision in real-time


You must be an Australian resident,
18 years or over and have a job to apply.


Fees and charges

No deposit – nothing to pay today
Minimum monthly repayment of $40/mth or 3% of outstanding balance (whichever is greater)
A small admin fee of $4.95/mth, payable ONLY if balance owing

Safety and security

Enjoy buyer protection on all purchases made using zipMoney
No credit card numbers. No worries!
We employ the same encryption as the big banks
We have partnered with global leaders in fraud prevention who count PayPal and eBay as clients

Important Notice

Available to approved applicants only, where the purchase amount is greater than $99.00. Minimum monthly payments of $40 or 3% of the outstanding balance (whichever is greater) are required. Paying only the minimum monthly repayment amount will not pay out the purchase within the interest free period. Any balance outstanding at the expiry of the interest free period will be charged interest at the standard annual percentage rate, currently 23.90%. A monthly account service fee of $4.95 is applicable while there is a balance outstanding. Lending criteria, terms, conditions, fees and charges apply and are available on application. Credit is provided by zipMoney Pty Ltd (ABN 58 164 440 993), Australian Credit Licence number 441878. Visit to learn from about zipMoney.