How Zip Money works:
Apply for $1,000 - $5,000- Pay nothing today
- 3 to 12 months interest free*
- $9.95/mth account fee or $0 if nothing owing
- One off establishment fee up to $99 may apply
What you'll need to apply
- Your employment details
- Your residential details
- Your online banking login to verify your income
- Your passport or driver licence
We're local
Zip is Australian owned and founded.
We're here to help
Talk to our Sydney-based customer service 6 days a week
We're almost everywhere
Shop online and instore at over 40,000 Zip partners
Apply NowFrequently Asked Questions on Zip Money
Applications take around 5 minutes to complete. Make sure you have your online banking login details, proof of identity and employment information handy to help with a speedy application. Most applications are decided within the same business day, however applications submitted on weekends or that require further information may take longer.
When applying direct with Zip.co you can apply for up to $5,000 with Zip Money, every purchase you make will automatically come with 3 months interest free on repayments*.
Repayments are automatically direct debited from the payment method that you added when you created the account. You can change the payment method at any time and the frequency of your payments to weekly, fortnightly or monthly as long as you're covering the minimum monthly repayments. Choose what works best for you.
If you return goods to a retailer and they agree to a refund, your Zip account will be credited with the agreed refund amount. The funds will then be put towards your owing balance or depending on the refund amount your account may be placed in credit.
*Zip Money - Interest free term subject to minimum spend and promotional partner offer. Available to approved applicants only and subject to completion of satisfactory credit check. Instalment plan splits eligible purchases of $300 and above into equal repayments within the interest free period. The repayment advertised will repay the transaction balance within the advertised interest free period. A monthly account fee of $9.95 will also apply and a one-off establishment fee may apply for new customers. Minimum monthly payments are required – paying only the minimum monthly repayment may not necessarily repay a purchase within the interest free period. 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 are subject to change. Terms & Conditions apply and are available on application. See your contract for further details. Credit provided by ZipMoney Payments Pty Ltd (ABN 58 164 440 993), Australian Credit Licence Number 441878).
*Term only available for purchases of $501 or more. Available to approved applicants only and subject to completion of satisfactory credit check. Minimum monthly repayments are required. Paying only the minimum monthly repayment amount will generally not repay the purchase within the interest free period. A monthly account fee of $7.95 will also apply and 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 rate, 23.9% per annum as at 1 December 2022. Other charges may be payable, see T&Cs. Interest, fees and charges subject to change. Terms & Conditions apply and are available on application. See your contract for further details. Credit provided by ZipMoney Payments Pty Ltd (ABN 58 164 440 993), Australian Credit Licence Number 441878).
Zipmoney allows you to receive your coveted Mocka items now and choose a flexible payment plan that works for you.
1. At checkout simply select Zipmoney as your payment option.
2. Login to, or easily create, an account that is connected to your debit or credit card.
3. Your order is completed, and payment is deducted according to the option you chose.
Promo Codes & Discount Codes Update
Who doesn’t love an opportunity to shop your favourite Mocka items for less? That’s why we offer great specials, flash sales and of course promo codes!
Currently there are no active promo codes.
Never miss out on a Promo or Discount code, simply sign-up to our newsletter to be the first to know. We’ll also publish this information on our website and our social media channels.
So, keep an eye on our Socials and don’t forget to add our newsletter to your approved senders' list!
