Full list of stores that accept Zip Money

Find out where you can use your interest-free Zip Money account, updated daily.

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By

Elizabeth Barry

Picture not describedShopping for larger items can be hard on your finances. You can be forced to pay exorbitant credit card interest to get your hands on something you can't afford to pay for upfront. Zip Money allows you to make big purchases but you can pay back the amount without being charged any interest for a set period.

Below is a complete list of everywhere you can shop interest-free using Zip Money.

How does Zip Money work?

When you sign up for a Zip Money account, you will be asked to select one of three credit limits: $1,000, $2,000 or $3,000. Each of these limits come with different minimum repayments and establishment fees. You can then use this credit to shop at one of the retailers below.

You don't have to make a purchase as soon as you sign up for an account, but when you do you will be given an interest-free period. Every Zip Money account comes with a minimum 3-month interest-free period.

When you use your credit you will pay a monthly fee of $6 and you will have to make a certain minimum repayment ($40 for the two lower credit tiers and $80 for the $3,000 credit tier). You can make payments above this amount to ensure you repay your debt within the interest-free period. When your interest-free period ends, you will pay a variable rate on your outstanding balance which is currently 23.9% p.a.

Zip Money also offers a line of credit product for smaller purchases called zipPay. Find out how Zip Pay works and where Zip Pay is offered. You can also read more about how Zip Money works in our review.

Save with Zip Money at these stores (Deals and discounts)

Full list of stores with Zip Money:

Use the search box below to find out if a store accepts Zip Money. Our list contains over 9900 retailers and is updated daily.

Picture: Shutterstock

Elizabeth Barry's headshot
Journalist

Elizabeth Barry is an experienced journalist with over 10 years of expertise in personal finance, contributing to outlets like the ABC, Sydney Morning Herald, and 7News. She holds a Master of Arts in Creative Writing and a Bachelor of Arts in Communication from the University of Technology Sydney, and has earned multiple award nominations, including a Highly Commended recognition at the 2017 Lizzies. Elizabeth began her career at Finder in 2013, progressing through roles to become Lead Editor, where she oversaw a wide range of personal finance coverage until 2024. See full bio

Elizabeth's expertise
Elizabeth has written 210 Finder guides across topics including:
  • Banking
  • Personal finance
  • Investing
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8 Responses

    Default Gravatar
    JulieMarch 4, 2023

    Can you purchase gift cards with Zip Money

      AvatarFinder
      StephanieMarch 12, 2023Finder

      Hi Julie,
      Yes, you can purchase certain gift cards using Zip. You can find a list of them here: https://zip.co/au/giftcards/
      Thanks,
      Stephanie

    Default Gravatar
    JasonFebruary 21, 2023

    Does erskine park dentist except zip money.

      AvatarFinder
      ChrisMarch 3, 2023Finder

      Hi Jason. Yes, Erskine Park Dental accepts Zip Money and Zip Pay.

    Default Gravatar
    ShawnteJanuary 31, 2020

    Can I use my Zip money at Coles In-stores?

      Default Gravatar
      AshFebruary 1, 2020

      Hi Shawnte,

      Thanks for reaching out to Finder.

      Upon checking, Zip money as well as Zip pay doesn’t have a partnership with Coles. Thus, you cannot either choose from any payment option being offered to you to be able to make a purchase.

      I hope this helps.

      Cheers,
      Ash

    Default Gravatar
    TanyaAugust 9, 2018

    Hi,

    I heard through a friend you do flights/holidays, is this true?
    I see the Contikii option but it’s not what I’m after.

    Thanks.

      AvatarFinder
      JeniAugust 17, 2018Finder

      Hi Tanya,

      Thank you for getting in touch with Finder.

      What you heard is right. You may now check the next destination off your bucket list with affordable flights that give you the option to book now and pay later with zipMoney. A few sites currently offer this payment option for flights so please check them out. You would also see zipMoney travel guide, including a full store list.

      I hope this helps.

      Please feel free to reach out to us if you have any other enquiries.

      Thank you and have a wonderful day!

      Cheers,
      Jeni

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