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What is Zip?

*Zip Pay. Minimum monthly repayments are required. A monthly account fee of $9.95 applies and is subject to change. Pay your closing balance in full by the due date each month and we’ll waive the fee. Available to approved applicants only and subject to completion of satisfactory credit assessment. Other charges may be payable. Fees and charges subject to change. T&Cs apply. Credit provided by ZipMoney Payments Pty Ltd (ABN 58 164 440 993), Australian Credit Licence Number 441878.

Notes

*Zip Pay. Minimum monthly repayments are required. A monthly account fee of $9.95 applies and is subject to change. Pay your closing balance in full by the due date each month and we’ll waive the fee. Available to approved applicants only and subject to completion of satisfactory credit assessment. Other charges may be payable. Fees and charges subject to change. T&Cs apply. Credit provided by ZipMoney Payments Pty Ltd (ABN 58 164 440 993), Australian Credit Licence Number 441878.

^Zip Money. T&Cs and credit approval criteria apply. A monthly account fee of $9.95 will apply. A one-off establishment fee may apply for new customers. Any balance outstanding at the expiry of the interest free period will be charged at the standard variable interest rate, 25.9% per annum, as at 1 June 2023. Other charges may be payable, see T&Cs. Interest, fees and charges subject to change. Minimum monthly payments are required and vary depending on credit limit. Paying only the minimum monthly repayment may not repay a purchase within the interest free period. Paying the minimum monthly repayment may result in paying off the purchase before the interest free period expires. Credit provided by ZipMoney Payments Pty Ltd (ABN 58 164 440 993), Australian Credit Licence Number 441878.

[1] Zip Pay only. Use the tap to pay or single use card everywhere that Visa contactless payments are accepted in store or online. Card T&Cs apply.

Want it

Select Zip as your payment method

Get it

Follow prompts to create a Zip Pay or Zip Money account

Own it

Pay later at your own pace

More about Zip

  • Sign up in minutes - applying is fast and easy

  • Pay nothing upfront - repay weekly, fortnightly or monthly

  • Zip is here to help – talk to Sydney based customer service 6 days a week

Fees may apply for late payments. Please see Zip terms.

What do I need to use Zip?

To apply you will need:

  • Your employment details

  • Your residential details

  • Your online banking login to verify your income

  • Your passport or driver license

  • To be at least 18 years of age

Zip Pay*

  • Available for online orders between $0 and $1000

  • Pay nothing today

  • Always interest free*

  • $9.95/month account fee or $0 if nothing owing

Zip Money^

  • Apply for $1000 - $50,000

  • Pay nothing today

  • 3-60 months interest free^

  • $9.95/mth account fee or $0 if nothing owing

  • One off establishment fee up to $99 may apply

Frequently Asked Questions:

No, Zip can only be used to pay for orders placed via the website.

1. Add items to your shopping bag and checkout.
2. At checkout, select Zip as your payment method.
3. Log in using your Zip Pay or Zip Money details or register if you are new to Zip.
4. Submit your details.
5. Your payment schedule will be emailed to you by Zip.

Repayments are automatically direct debited from the payment method you add when you create you account. You can change the payment method and frequency of your repayments at any time. You can choose to repay your balance on a weekly, fortnightly or monthly basis to suit you as long as you meet the minimum monthly repayments outlined in your contract. Choose what works for you.

See www.zip.co/terms for more information.

  • A $9.95 monthly account fee applies to Zip Pay which will be waived if you pay your statement closing balance in full, by the due date. A $9.95 monthly account fee applies to Zip Money which will be waived if you have nothing owing.
  • Zip Pay is interest free always*.
  • Zip Money offers interest free options from 3 months up to 60 months per transaction on bigger purchases. Any unpaid purchase balance at the expiry of the interest free period will be charged interest at the standard annual percentage rate, currently 25.9%.
  • For Zip Money a one-off establishment fee up to $99 may apply.

    See www.zip.co/terms for more information.

    • Items purchased with Zip from Kmart online can be returned for an exchange or refund via your local Kmart store, subject to our Returns Policy. Please refer to our Returns Policy for more details on how to return your order and any exclusions that may apply. You can read more here https://www.kmart.com.au/returns-policy/

    After we have processed a refund we update Zip automatically. Zip will adjust your payment to reflect the new total order value.

    Unfortunately, from time to time we are not able to secure all items in your order. If this occurs, a refund will be processed and Zip will be advised. Your payment plan will be adjusted to reflect the new total order value.

    Please note that Zip is not a service provided by Kmart. It is a facility provided by Zip Co Limited. To find out more about Zip, visit www.zip.co/terms.