Zip Pay / Money

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Learn More About Zip Pay / Money

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Zip now, pay later

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


Nothing to pay today

We pay the store , you get the goods, or the store sends the goods

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Interest free with Zip Pay

Interest free terms available with Zip Money*


Flexible repayments

Pay us back how you like - weekly, fortnightly or monthly


Reusable account

A reusable account with a limit that suits your needs

How can I use Zip at The Pillar Code?

Want it.
Choose the items you love.

Zip it
Select Zip at the checkout

Own it
Set your repayments and enjoy your purchase.


Pay Later with Zip Pay / Money

Zip FAQs

  • 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.