Afterpay vs zipMoney

Not sure whether to shop with Afterpay or zipMoney? We compare both interest-free shopping platforms to help you decide.

Are you looking to take advantage of shopping with an interest-free finance platform? There are a few available and each offers varying costs and features. So, to help you narrow down your options, we've compared two prominent options: Afterpay and zipMoney.

Make sure you consider all aspects of each platform before you decide which provider is right for you.

Interest-free period8 weeks3 months (longer promotional interest-free periods may also apply)
Repayment term8 weeks (fortnightly instalments)Up to 36 months
Upfront and ongoing feesNone
  • $4.95 monthly service fee when you have an outstanding balance (this fee is $0 when you have no balance)
  • Establishment fees for higher credit limits may apply
Late payment fees
  • $10 for failed automatic payments
  • $7 late fee if payment hasn't been made 7 days later
  • $15 for late payments
  • Other fees and charges may apply for dishonoured payments
Payment flexibility
  • You cannot change your payment schedule
  • You can change the frequency of your payments or your payment schedule in your account
SignupCan be done instantly online or in-store at participating merchantsYou can apply directly through zipMoney or online or in-store at a participating zipMoney merchant
AvailabilityFull Afterpay store listFull zipMoney store list
  • Over 18
  • Live in Australia
  • Can enter into a legally binding contract
  • Have a valid email and phone number
  • Use an Australian credit or debit card
  • Australian resident
  • Over 18
  • Employed
  • Earn more than $300 per week
  • Have an individual email address and mobile phone number
Credit scoreAfterpay reserves the right to report negative activity to credit providerszipMoney will check your credit report when you apply and reserves the right to report negative activity to a credit reporting body
MoreRead the full reviewRead the full review
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