Zip gives you the freedom to buy the things you love today. No fuss, no wait, no worries.

• A valid email address and mobile number.
• Be at least 18 years old.
• Be an Australian Citizen or Permanent Resident.
• Have a good credit history.
• Read more about what you need to apply for Zip Money.

• 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.

• For Zip Money, when the interest free period expires, the annual standard percentage of 21.9% applies.
  
• Any balance outstanding at expiry of interest free period for the purchase will be charged interest at the standard annual percentage rate, currently 21.9%
• The $7.95 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.*

If your item meets the Merchant's return policy, the purchase amount will be credited back to your Zip account.