Zip now, pay later.
Zip gives you the freedom to buy the things you love today. No fuss, no wait, no worries.
Nothing to pay today
We pay the store , you get the goods, or the store sends the goods
Interest free with Zip Pay
Interest free terms available with Zip Money*
Pay us back how you like - weekly, fortnightly or monthly
A reusable account with a limit that suits your needs
Whatever you want from SHEIN,
there's a Zip for that
Two great ways to help you own it
Interest free always
For everyday spending, from fashion to fitness, eyewear to electronics, pet care to bills.
| Interest free always
Every transaction you make with Zip Pay is interest free always.
| Flexible repayments
From $10 pw. Enjoy the freedom to set your schedule to weekly, fortnightly or monthly.
| No establishment fee
Pay nothing to sign up.
| $7.95 monthly account fee
Pay your statement closing balance, in full, by the due date and we'll waive the fee.
| Tap to pay everywhere
Add your Zip card to Apple or Google Pay to shop everywhere Visa is accepted.
For buying that road bike, new sofa or renovating your home.
| Interest free for the first 3 months
Retailers may offer longer interest free terms (6-48 months). At conclusion of the interest free period, interest will be charged at the standard annual percentage rate 21.9%.
| Flexible repayments
Enjoy the freedom to set your schedule to weekly, fortnightly or monthly.
| One-off establishment fee
A one-off establishment fee may apply for new customers.
| $7.95 monthly account fee
Waived if you have nothing owing.
| Interest free instalment plans
For purchases of $300 or more we'll set you up to repay in equal instalments to help you avoid interest charges.^^^
How can I use Zip at
Choose the items you love.
Select Zip at the checkout
Set your repayments and enjoy your purchase.
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 SHEIN'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 21.9% 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.
^^ Zip Pay: Minimum monthly repayments are required. A monthly account fee of $7.95 applies. This fee is waived each month you pay your statement closing balance, in full, by the due date.
^^^ Zip Money: 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 a 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, 25.9% per annum as at 1 May 2023. 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).
* Tap to pay in store available with Zip Pay and Zip Business Trade Plus only. Use the Card everywhere that Visa contactless payments are accepted in store. Card T&Cs apply. Single use card available with Zip Pay, Zip Money, Zip Business Trade and Zip Business Trade Plus only. Use the Card everywhere that Visa contactless payments are accepted online. Card T&Cs apply.
^ Payments may take up to 3 business days to reach your biller. Certain biller exclusions apply including but not limited to credit institutions, gambling, share trading, personal loans and DEFT rent. A processing fee will be payable for each bill and invoice processed through Zip. The amount of the fee will be advised and authorised by You at the time of any relevant bill payment. ® Registered to BPAY Pty Ltd ABN 69 079 137 518.
Apple and Apple Pay are trademarks of Apple Inc., registered in the U.S. and other countries. Google and Google Pay are trademarks of Google LLC. The Contactless Symbol is a trademark owned by and used with permission of EMVCo, LLC. VISA is a trademark owned by Visa International Service Association and used under license.