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*ZIP is offered in selected stores and our Online Rugs selection

Do more, enjoy more, experience more. Own your freedom, your wellness, your personal style. Simply checkout with Zip and pay later.  It’s your life, we’ll help you own it. 

Zip gives you the freedom to own it today. No fuss, no wait, no worries.*

How is Zip different?

Sign up in minutes

Applying is fast and easy so you can start shopping today!

Shop just about everywhere

Shop at all your favourite places, online and instore, with the Zip app.

Flexible repayments

Our flexible repayments put you in control by letting you pay later at your own pace.

All you need is

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.

How to use ZIP

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.


Fees & interest

Zip Pay purchases are interest free, always.
Zip Money is interest free if you pay off your purchases within the interest free period.
Standard interest rate of 23.9% applies after the interest free period.
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.

Apply Now!


See Full T’s & C’s