Get the Finder app 🥳

Connect your accounts & save

Install
finder.com.au

Full list of stores that accept Zip Money

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

Elizabeth Barry
Elizabeth Barry

Updated

Fact checked

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 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.

StoreGo to siteCategory
2nds WorldShop nowHome
99 BikesShop nowSports
Aarons OutdoorShop nowLifestyle
AcademyxShop nowEducation
Acai Powder AustraliaShop nowHome
Air LoungersShop nowOutdoors
Alice West ArtShop nowSports
AquanautShop nowSports
Art HideShop nowHome
Aus-AppliancesShop nowHome
Aussie FitnessShop nowSports
Australia RoboticShop nowGadgets
Australian DirectShop nowOutdoors
Auto Parts CoShop nowSports
AutoCrazeShop nowSports
AvatarShop nowHome
Awesome Beds 4 KidsShop nowKids
Baby BuntingShop nowKids
BauseleShop nowLifestyle
Bavas Music CityShop nowHome
BBQ Spit RotisseriesShop nowHome
BedshedShop nowHome
Benn Web Design & MarketingShop nowGadgets
Bicycles OnlineShop nowSports
bikes.com.auShop nowLifestyle
Billy GuyattsShop nowHome
Black HoundShop nowHome
Black MangoShop nowHome
Blinds CityShop nowHome
bmusicShop nowHome
BoardworldShop nowSports
BoatcatchShop nowSports
Box of BikesShop nowSports
braaap MotorcyclesShop nowOutdoors
BrosaShop nowHome
BubblebubsShop nowKids
Budget Tyre OutletShop nowSports
CanRdly TreadliesShop nowSports
Cartridge SpecialistsShop nowOutdoors
Chaise SofasShop nowLifestyle
Chappelli Cycles.Shop nowSports
Chia Seeds AustraliaShop nowHome
Chic ChandeliersShop nowOutdoors
ChiropedicShop nowLifestyle
Cob and CoShop nowSports
Coco RepublicShop nowHome
Coffee BeaneryShop nowLifestyle
Collagen AustraliaShop nowLifestyle
Colour BlockerShop nowGadgets
ContikiShop nowTravel
CPI TuningShop nowSports
Cushie TushieShop nowKids
Cute Co baby furniture AustraliaShop nowHome
Cycle PowerShop nowSports
Cycles GalleriaShop nowSports
Cycling DealShop nowSports
Detox PatchesShop nowLifestyle
Diamond BoulevardShop nowHome
DigiDirectShop nowGadgets
DillengerShop nowSports
Discount Digital PhotographicsShop nowGadgets
Diving FrontiersShop nowSports
Dollar Curtains & BlindsShop nowHome
Door PlusShop nowHome
EchidnaShop nowHome
Electric Blankets + RugsShop nowHome
Embalm SkincareShop nowHome
Emma & RoeShop nowIn-store
Equestrian HubShop nowSports
Experience OzShop nowLifestyle
Factory PlusShop nowHome
Fertility SolutionsShop nowLifestyle
Fidget Toys AustraliaShop nowGadgets
FightLifeShop nowSports
FioriShop nowHome
Furniture FetishShop nowOutdoors
Furniture FetishShop nowOutdoors
Garcinia Cambogia AustraliaShop nowHome
GCG TurbochargersShop nowSports
GearShop nowSports
Geer Electric BikesShop nowSports
General AssemblyShop nowEducation
GeorgesShop nowGadgets
Glo Skin BodyShop nowLifestyle
Goji Berries AustraliaShop nowHome
GQA QualificationsShop nowHome
GR-TEK ComputersShop nowGadgets
Granite TransformationsShop nowHome
Halloween ContactsShop nowLifestyle
Hem Products AustraliaShop nowHome
Hemi PerformanceShop nowSports
Home ClearanceShop nowHome
Hunting for GeorgeShop nowHome
Icon By DesignShop nowHome
ImaginablesShop nowGadgets
inTouch Massage ChairsShop nowHome
Ivanhoe CyclesShop nowSports
jason.lShop nowHome
JC & P OnlineShop nowGadgets
JoolcaShop nowHome
JustRideItShop nowSports
Kambo'sShop nowLifestyle
KenzShop nowOutdoors
Kickass ProductsShop nowOutdoors
Kids Manor DistributorsShop nowKids
Kitchen DiscountsShop nowHome
KoalaShop nowHome
KPD 4x4Shop nowOutdoors
Lavender Hill InteriorsShop nowHome
Led Cap LightsShop nowGadgets
Led Torch SalesShop nowGadgets
Leederville CamerasShop nowGadgets
LEGEAR AustraliaShop nowSports
LeitnerShop nowSports
Lekker BikesShop nowSports
LightologieShop nowOutdoors
Little Kids Jumping CastlesShop nowOutdoors
Little People's BedroomShop nowKids
Love the StyleShop nowHome
LovesacShop nowHome
Lovett IndustriesShop nowSports
Luggage CoverShop nowOutdoors
LUXBMX StoreShop nowOutdoors
Masseuse ReclinersShop nowHome
Matcha TeaShop nowHome
Max Force TacticalShop nowOutdoors
Max SparrowShop nowHome
Michael HillShop nowIn-store
Milk CartShop nowHome
MODE Auto ConceptsShop now
ModelflightShop nowSports
Modlife StoreShop nowGadgets
Monroe Yorke DiamondsShop nowLifestyle
Mountain ShadeShop nowOutdoors
Mr & Mrs WhiteShop nowHome
MSM Powder AustraliaShop nowLifestyle
MuBu HomeShop nowHome
Musos CornerShop nowGadgets
Mwave AustraliaShop nowGadgets
My DiamondsShop nowLifestyle
My FurnitureShop nowHome
My Scandinavian HomeShop nowHome
National TilesShop nowHome
Next Level Standup Paddle BoardsShop nowOutdoors
No Worries TurfShop nowOutdoors
Nothing BareShop nowKids
NxboardShop nowSports
Office StockShop nowHome
OnebedShop nowHome
OneWorldShop nowHome
Opposite LockShop nowLifestyle
Options 8Shop nowSports
Orbit FitnessShop nowSports
OSIM InternationalShop nowHome
Outdoors DomainShop nowOutdoors
OZ Design FurnitureShop nowHome
Ozzy TyresShop nowSports
PagnianShop nowHome
Parramatta CamerasShop NowGadgets
PC Case GearShop nowGadgets
Persian Rugs AustraliaShop nowHome
Personal DigitalShop nowGadgets
PLE ComputersShop nowGadgets
Pop Up Gazebos AustraliaShop nowLifestyle
Prodigg Asia PacificShop nowHome
Pronto EquestrianShop nowLifestyle
PushysShop nowSports
Quality Vitamin AustraliaShop nowLifestyle
Raw Fitness EquipmentShop nowSports
Raw ProteinShop nowSports
Redhill EducationShop nowEducation
Reid CyclesShop nowSports
Replica FurnitureShop nowHome
RetrojanShop nowOutdoors
Ride the TideShop nowSports
Rise AboveShop nowOutdoors
Road Runner Mobile TyresShop nowHome
Roman DanielsShop nowLifestyle
Saddle WorldShop nowSports
Salonware HouseShop nowLifestyle
Scorptec ComputersShop nowGadgets
ShedStoreShop nowHome
Shine MirrorsShop nowHome
ShopZeroShop nowGadgets
Simply for StringsShop nowHome
SKEANIE & uh-oh!Shop nowLifestyle
Sleep RepublicShop nowLifestyle
Sleepy PandaShop nowHome
Sokol Designer FurnitureShop nowHome
SolahartShop nowIn-store
Spa WorldShop nowLifestyle
Space GrillShop nowOutdoors
Speedy TowbarsShop nowOutdoors
Spirulina Powder AustraliaShop nowLifestyle
Stan CashShop nowHome
StonexShop nowHome
Style My HomeShop nowHome
Surfboards DirectShop nowSports
Sweat CentralShop nowSports
Tazzy TyresShop nowSports
Ted's CameraShop nowGadgets
Teepee TentsShop nowOutdoors
Teeth Whitening PowderShop nowLifestyle
Tempe Tyre and Wheel CentreShop nowSports
Tennis Warehouse AustraliaShop nowSports
TentworldShop nowOutdoors
That Fishing ShopShop nowSports
The 3D PrinterShop nowGadgets
The Cartridgeware HouseShop nowGadgets
The Design HunterShop nowHome
The SaddlefitterShop nowSports
TheR8Shop nowOutdoors
ThermomixShop nowHome
TheYogaBoarderShop nowSports
Think LoungesShop nowOutdoors
ThornadoShop nowGadgets
TopSeed SportsShop nowSports
Trinity ConnectShop nowHome
TripADealShop nowLifestyle
Trojan FitnessShop nowSports
Turmeric Latte AustraliaShop nowLifestyle
TyreSalesShop nowSports
TyroolaShop nowSports
UpskilledShop nowEducation
Vintage Luggage CompanyShop nowHome
VulyShop nowSports
Wallace BishopShop nowLifestyle
WebjetShop nowOutdoors
West Coast Pet Care CentreShop nowOutdoors
WheelscienceShop nowSports
Xylitol AustraliaShop nowLifestyle
Zumi-XShop nowGadgets

Picture: Shutterstock

Related Posts

Finder Daily Deals: The 5 best online deals in Australia today

Today's best online deals in Australia, hand-picked by Finder's shopping experts.

Submission to the inquiry into Future Directions for the Consumer Data Right

In this submission to the Treasury inquiry into Future Directions for the Consumer Data Right being led by Scott Farrell, we focus on the topic of switching and how this could be encouraged through the introduction of write-access to the CDR. We also share some details on switching in the industries set to be covered by the CDR, as well as high-level views on how write-access could be used to enable payment initiation through the CDR.

Where to buy Australian made face masks

Protect yourself and your loved ones from airborne nasties while supporting the local economy by buying your face mask from a local maker and shaker.

Qantas and Afterpay: Everything you need to know

You can earn frequent flyer points with the popular buy now pay later service – here's how.

Tasmania family holidays that are full of fun and adventure

Mountain hikes, artistic cities, charming townships and wilderness cruises, they all have the makings of a family getaway these school holidays in Tasmania.

Ask an Expert

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 Use, Disclaimer & Privacy Policy and Privacy & Cookies Policy.

4 Responses

  1. Default Gravatar
    ShawnteJanuary 31, 2020

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

    Reply
    • 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

      Reply
  2. 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.

    Reply
    • Avatarfinder Customer Care
      JeniAugust 17, 2018Staff

      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 on this page. You would see zipMoney travel guide, including a full store list on this page.

      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

      Reply
Ask a question
Go to site