Any Australian citizen or permanent resident who is 18 years of age or older and is employed, earning at least $300 per week. Available to approved applicants only and subject to completion of satisfactory credit check. 

At the end of every month, you can choose to pay off your balance in full, or simply make a payment that suits your budget (note: there is a minimum repayment of $40 per month required). Minimum monthly repayments are required. Paying only the minimum monthly repayment amount will generally not repay a purchase within the interest free period. A monthly account fee of $9.95 will also apply and a one-off establishment fee may apply for new customers. Any balance outstanding at the expiry of the interest free period will be charged at the standard variable interest rate, 25.9% per annum as at 1 June 2023. Other charges may be payable, see T&Cs. Interest, fees and charges subject to change. Terms & Conditions apply and are available on application. See your contract for further details. Credit provided by ZipMoney Payments Pty Ltd (ABN 58 164 440 993), Australian Credit Licence Number 441878).

You can create an account here. To sign-up all you need is a social media account to confirm the details that you would normally enter the when shopping online (e.g. your name, email, mobile, address, DOB and gender). Subject to approval, this process takes only seconds, after which you can complete your purchase and pay for it later! Once your account is created you never have to sign-up again and can continue to reuse it as much as you like. 

Learn about how you can buy now and pay later with zipPay.