- sales@directionplus.com.au
- Melbourne, VIC, Australia
- 1800 037 587
Zip Pay: how it works
Buy now, pay later
APPLY IN MINUTES UP TO $5,000
PAY NOTHING TODAY
FLEXIBLE RE-PAYMENTS
Zip Pay – Minimum monthly repayments are required. A monthly account fee of $7.95 applies and is subject to change. Pay your closing balance in full by the due date each month and we’ll waive the fee. Available to approved applicants only and subject to completion of satisfactory credit check. Other charges may be payable. T&Cs apply.
*Zip Money – Available to approved applicants only and subject to completion of satisfactory credit check upon application. The repayment advertised will repay the transaction balance within the interest free period. A monthly account fee of $7.95 will also apply and a one-off establishment fee may apply for new customers. Minimum monthly payments are required – paying only the minimum monthly repayment may not necessarily 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 May 2023. Other charges may be payable, see T&Cs. Interest, fees and charges are subject to change. See your contract for further details. Credit provided by ZipMoney Payments Pty Ltd (ABN 58 164 440 993), Australian Credit Licence Number 441878.
FREQUENTLY ASKED QUESTIONS
Is Zip suitable for everyday purchase?
Zip Pay – Minimum monthly repayments are required. A monthly account fee of $7.95 applies and is subject to change. Pay your closing balance in full by the due date each month and we’ll waive the fee. Available to approved applicants only and subject to completion of satisfactory credit check. Other charges may be payable. T&Cs apply.
*Zip Money – Available to approved applicants only and subject to completion of satisfactory credit check upon application. The repayment advertised will repay the transaction balance within the interest free period. A monthly account fee of $7.95 will also apply and a one-off establishment fee may apply for new customers. Minimum monthly payments are required – paying only the minimum monthly repayment may not necessarily 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 May 2023. Other charges may be payable, see T&Cs. Interest, fees and charges are subject to change. See your contract for further details. Credit provided by ZipMoney Payments Pty Ltd (ABN 58 164 440 993), Australian Credit Licence Number 441878.
Where can I shop with Zip?
See the full list where you can shop with Zip: https://zip.co/au/shop
Shop everywhere online where Visa is accepted with Zip’s single-use card feature on the Zip mobile app.^ Or shop anywhere instore you see Zip at checkout – we’re partnered with 40,000+ retail stores.
Additionally, you can use your Zip account to pay BPAY bills and buy gift cards for food, fuel and subscriptions.
How do repayments work?
Repayments are automatically direct debited from the payment method that you added when you created the account. You can change the payment method at any time and the frequency of your payments to weekly, fortnightly or monthly as long as you’re covering the minimum monthly repayments. Choose what works best for you.
What are the fees?
With Zip Pay a $9.95 monthly account fee applies, we will waive the fee if you pay your statement closing balance in full, by the due date.
With Zip Money a $9.95 monthly account fee applies which is waived if you have nothing owing.
How do refunds work?
If you return goods to a retailer and they agree to a refund, your Zip account will be credited with the agreed refund amount. The funds will then be put towards your owing balance or depending on the refund amount your account may be placed in credit.
Is Zip a buy now, pay later like Afterpay, Klarna, Humm and Latitude?
Yes! Zip allows you to shop just about everywhere, online and instore. We give you the flexibility to set your repayment schedule to suit your lifestyle – choose weekly, fortnightly, or monthly. You can also pay your bills, buy gift cards and earn rewards when you use the Zip app.