Zip Frequently Asked Questions (FAQs)

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What do I need to apply for Zip?

To apply for Zip, you need:

  • A valid email address and mobile number
  • To be at least 18 years old
  • To be an Australian Citizen or Permanent Resident
  • To have a good credit history

For more details on applying for Zip Pay and Zip Money

Why choose Zip Pay?

Zip Pay gives you the freedom to buy the things you love today with no fuss and no worries. It allows you to pay off your purchase in more manageable payments. Orders between $1500 and $20,000 will show at checkout, making it easy to manage larger purchases.

How do I use Zip?

  1. Select the Zip account that fits your needs.
  2. Sign up online and get a decision within minutes.
  3. Select Zip when you make a purchase.
  4. Log into your account to set up a repayment schedule that suits your lifestyle.
  5. Use your Zip account anywhere you see the Zip logo.

What are the fees and interest rates?

  • Zip Pay: Always interest-free.
  • Zip Money: Interest-free if you pay off purchases within the interest-free period. After this period, a standard interest rate of 23.9% applies.
  • Monthly Fee: The $7.95 monthly account fee is waived if you pay your balance by the due date. No balance, no fee.

How do repayments work?

  • Choose from weekly, fortnightly, or monthly payments.
  • Start from $40 a month, based on your account's credit limit.
  • Up to 24 months interest-free available.

What about returns and refunds?

If your item meets King Living'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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