Zip now, pay later.

Zip gives you the freedom to buy the things you love today.

No fuss, no wait, no worries.

Your everyday spending account

Under $1000

Your everyday spending account

Over $1000

Account limits

Up to $1,000

Account limits

From $1,000


Interest free, always

Interest free period

Up to 6 months interest free*

 Minimum repayments

From $40/month

Minimum repayments

From $40/month or 3% of the outstanding balance (whichever is greater)*

 Establishment Fee


Establishment Fee

A one-off establishment fee may apply.

See here for details

Monthly account fees

$7.95/month (waived if your statement balance is zero)

Monthly account fees

$6.00/month (waived if nothing owing)

Apply for Zip Pay

Apply for Zip Money


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


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

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.

Returns and refunds:

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

Fees and interest:

  • Zip Pay purchases are interest free, always.
  • For Zip Money, when the interest free period expires, the annual standard percentage of 19.9% applies.
  • Pay your statement closing balance, in full, by the due date and we'll waive the $7.95 monthly Zip Pay fee. The $6 monthly account fee for Zip Money is waived if you have nothing owing.
  • If there's nothing owing on your account, there's nothing to pay and no fees.