How do I use Zip Pay?

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Zip Pay gives you the freedom to buy the things you love today. No fuss, no worries.
Zip Pay allows you to pay off your purchase in more manageable payments, orders between $1500 and $20,000 will show at checkout.

Select the Zip option at checkout and follow the steps below to apply:

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

  1. Choose the account that's right for you.
  2. Sign up and get a decision in minutes.
  3. Select Zip at checkout.
  4. Log into your account to set up your a repayment schedule to suit your lifestyle.
  5. 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 19.9% applies after the interest free period.
  • The $6.00 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.


  • Choose from weekly, fortnightly or monthly payments to suit your lifestyle.
  • Repayments start from $40 per month and based on your account's credit limit.

Refunds & Returns

  • If your item meets KING's returns policy, the purchase amount will be credited back to your Zip account.

For more information about how Zip Money works, click here

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