Full list of stores that accept Zip Money

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

4.6 based on 837 reviews

Shopping 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.

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 from $1,000 to $5,000 on a direct application, with the establishment fee scaling to $99. 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 account fee of $9.95, waived in any month your balance is $0 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 25.9% 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.

Full list of stores with Zip Money

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

More resources on Finder

Get rewarded $$ for switching with Finder Rewards

Find a better deal, save on your bills and get a free gift card. Sign up to be the first to hear about new Finder Rewards.

Ask a question

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms Of Service and Finder Group Privacy & Cookies Policy.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

12 Responses

    Tanya's avatar
    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.

      Jeni's 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

More guides on Finder

  • Buy now pay later statistics 2026

    BNPL adoption hit an all-time high in July 2022 (49%) and has dropped back down to usual levels since then.
  • PayPal Pay in 4 review

    PayPal Pay in 4 is a buy now pay later service available across thousands of retailers globally. Split your repayments into 4 equal instalments paid over 6 weeks.
  • Klarna

    Klarna has no interest or fees, and you can break your payments into four equal parts across nearly any online store.
  • humm

    Make paying for purchases more manageable with humm’s interest-free payment service.
  • Brighte 0% interest payment plan

    Looking to improve your home or make it more sustainable? Bright offers you a way to pay for home improvements and pay off your purchase interest-free. Find out how the platform works.

  • Afterpay vs Zip Pay

    How does Afterpay compare to Zip Pay?
  • Zip Pay

    With Zip Pay, you can get instant approval for a line of credit helping you to buy now and pay later. It is 100% interest-free and gives you complete control over how you make repayments. Find out exactly how it works.
  • Zip Money

    Make large purchases by paying less with a Zip Money line of credit offering flexible repayment options, a long interest-free window and thousands of merchants to choose from. Find out if it's right for you.

  • Afterpay

    Thinking about signing up to Afterpay? This is everything you need to know about the interest-free payments provider, including whether it affects your credit score and all the fees you should expect to pay.

Go to site