Who can create an account?

Any Australian citizen or permanent resident who is 18 years of age or older and is employed, earning at least $300 per week. 

How much does it cost?

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). A Monthly Service Fee of $5 applies. This fee is waived if you pay your balance in full by your due date. 
There is NO establishment fee to setup your account and interest Free Always! If you have repaid your balance down to $0 by your due date (up to 60 days after your purchase), you will never be charged any additional fees. 

How do I create an account? 

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.