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The airlines and flight booking sites that let you layby your trip with ZipPay.
Often you'll find that the closer it gets to the date of a flight, the higher the price. If you're seeking to lock-in a seat at today's prices but don't have the cash at this very moment, an option may be zipPay or zipMoney.
Both offer interest-free services that let you borrow a select amount of money and pay it back in installments. While they can be interest-free to a point, this is often for a limited time only and may include other costs such as establishment fees, late-payment fees and account keeping fees. Be sure to read all the terms and conditions before you commit to ensure you don't wind up paying more for your holiday than expected.
Both zipPay and zipMoney can be used to purchase flights from various sites. The big difference is that zipPay is for purchases $1,000 and under and doesn't incur interest or have an establishment fee - though it does charge a $6 monthly account keeping fee which can be waived if you pay your balance off by the end of the statement month. You can also accrue late-payment fees if you don't meet the $40 monthly minimum repayment.
zipMoney is dedicated for more expensive purchases of $1,000 or more and has a lot more restrictions, including a 3 month interest-free payment period, establishment fee and the same $6 monthly account keeping fee, which you can waive if you settle your account by the end of the statement month. It also requires a $40 monthly minimum repayment.
Which sites accept zipPay or zipMoney for flights?
What else do I need to know?
With both zipPay and zipMoney you can get approval on the spot and then use your online credit to make purchases. You have the option to pay it back interest-free to zipPay in weekly, fortnightly or monthly repayments. With zipMoney loans can be made for periods of 3, 6 and 12 months. See more info here.
Where else can I book flights and pay for them later?
A similar online credit service to zipPay is Afterpay. This lets you repay your purchase over a maximum of eight weeks via fortnightly repayments. Afterpay can be used to purchase domestic Jetstar flights to the value of $1,200. While it too is interest-free you can accrue late fees by not paying your account off on time.
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