Learn More About Zip Pay / Money
Zip now, pay later
Zip gives you the freedom to buy the things you love today. No fuss, no wait,
Nothing to pay today
We pay the store , you get the goods, or the store sends the goods
Interest free with Zip Pay
Interest free terms available with Zip Money*
Pay us back how you like - weekly, fortnightly or monthly
A reusable account with a limit that suits your needs
How can I use Zip at The Pillar Code?
Choose the items you love.
Select Zip at the checkout
Set your repayments and enjoy your purchase.
Pay Later with Zip Pay / Money
- 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 Pay and Zip Money
- 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.
- 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.
- If your item meets The Pillar Code’s returns policy, the purchase amount will be credited back to your Zip account
- Zip Pay purchases are interest free, always.
- For Zip Money, when the interest free period expires, the annual standard percentage of 19.9% applies.
- Pay your statement closing balance, in full, by the due date and we’ll waive the $7.95 monthly Zip Pay fee. The $6 monthly account fee for Zip Money is waived if you have nothing owing.
- If there’s nothing owing on your account, there’s nothing to pay and no fees.