Servicing the commercial and building industries with wholesale appliances since 1931.

Buy Now, Pay Later


With numerous brands and endless variety of products to choose from, buying your next appliance can be difficult. Choosing between an integrated freestanding dishwasher, and whether it is stainless steel or dark stainless steel is hard enough. Now, buying your new appliance is easer than ever thanks to our range of Buy Now, Pay Later payment options.

 

What is Buy Now, Pay Later?

Buy Now, Pay Later (BNPL) is a payment system where BNPL providers supply interest-free payment options that enable you to take your purchase home and pay for it later. Popular examples of BNPL providers include AfterPay, LatitudePay, ZIP, Humm, OpenPay, and Klarna.

 

The above mentioned BNPL providers such as AfterPay and LatitudePay offer simple, interest-free purchasing, perfect for every day items across industries such as clothing, homewares, personal devices and even health and beauty. However, for the larger purchases in life, such as those required for a home make-over, some BNPL providers such as Humm and ZIP are a better fit to help with your purchasing journey.



Buy now, take it home and use it today with Humm, one of our BNPL providers. Ideal for buying both the 'little' things and the bigger items, Humm provides a large spending limit of up to $30,000 interest-free. Humm is the perfect solution if you need to obtain various quality appliances for your home.

Before you decide to use humm, view the Target Market Determination, available on https://www.shophumm.com/au/important-information/ 

Offering two purchasing options of 'ZIP Pay' and 'ZIP Money', you can have more flexibility to make smaller purchases of up to $1,000 or larger purchases over $1,000. Unique to ZIP is that you have the repayment flexibility, where you can choose your repayment amount and your duration, such as weekly and fortnightly, as opposed to a provider-imposed schedule.

Before you decide to use Zip, view the Target Market Determination, available on https://zip.co/au/page/target-market-determination 

Eligibility
  • Be 18+ years of age
  • Be a permanent Australian resident
  • Have a permanent job (min. 25 hours/week) or be on aged/veteran's pension
  • Be sure you are not insolvent (or declared bankrupt)
For both ZIP Pay and ZIP Money:
  • Be 18+ years of age
  • Be an Australian citizen or permanent resident
  • Have a good credit history
  • Have your own valid and verifiable email address and mobile number

For Zip Pay only:
  • Have a verified Facebook, PayPal, or LinkedIn account in your own

For Zip Money only:
  • Be employed in some capacity (Certain pensions may be accepted - contact ZIP for more information)
  • Earn more than $300 a week
Interest 0% Interest ZIP Pay:
  • 0% Interest

ZIP Money:
  • 0% Interest for 3 months then promotional offers 6-48 months: 19.9% p.a after your interest-free period expires
Suitable Purchases Buy 'Little Things'
  • Up to $2,000

Or
Buy 'Big Things'
  • up to $30,000
ZIP Pay:
  • For purchases up to $1,000

ZIP Money:
  • For purchases over $1,000. Accounts greater than $5,000 must be applied through a merchant
Fees 'Little Things':
  • $8 monthly fee if you choose to pay in 10x fornightly repayments

'Big Things':
  • Has an $8 monthly fee
  • Plus a $35-90 set-up fee and $22 repeat purchase fee
ZIP Pay:
  • $0 set-up fee

ZIP Money:
  • Up to $99 set-up fee

Both ZIP Pay and ZIP Money:
  • $6 per month waived if you have no balance
Where can you buy? Online and in-store Online and in-store
Repayments For the 'Little Things':
  • Repay in 5 or 10 repayments weekly or fortnightly

For the 'Big Things':
  • Choose to repay over 6, 12, 24, and up to 60 months
You can choose to pay repayments on a weekly, fortnightly, or monthly basis otherwise the minimum $40 per month applies on both ZIP purchase categories
Late Fees For the 'Little Things':
  • Repay in 5 or 10 repayments weekly or fortnightly

For the 'Big Things':
  • Choose to repay over 6, 12, 24, and up to 60 months
ZIP Pay:
  • $5 late fee if you do not meet your minimum monthly repayment within three weeks of the due date

ZIP Money:
  • $15 late fee if you do not meet your minimum monthyl repayment within three weeks of the due date
Refund Policy Return your product to the retailer who will handle the refund in accordance with their return policy. If a refund is required in accordance with the retailer's policy or by law, Humm will refund what you have paid and cancel any future payments Return your product to the retailer who will handle the refund in accordance with their return policy. When the retailer agrees to a refund, your ZIP account will be credited with the agreed refund amount.
Other Features both Apple & Android app Features both Apple & Android app

Eligibility

 

  • Be 18+ years of age
  • Be a permanent Australian resident
  • Have a permanent job (min. 25 hours/week) or be on aged/veteran's pension
  • Be sure you are not insolvent (or declared bankrupt.

For both ZIP Pay and ZIP Money:

  • Be 18+ years of age
  • Be an Australian citizen or permanent resident
  • Have a good credit history
  • Have your own valid and verifiable email address and mobile number

For ZIP Pay only:

  • Have a verified Facebook, PayPal, or LinkedIn account in your own name

For ZIP Money only:

  • Be employed in some capacity (Certain pensions may be accepted - contact ZIP for more information)
  • Earn more than $300 a week

Interest

  • Be 18+ years of age
  • Be a permanent Australian resident
  • Have a permanent job (min. 25 hours/week) or be on aged/veteran's pension
  • Be sure you are not insolvent (or declared bankrupt)

 

ZIP Pay:

  • 0% Interest

ZIP Money:

  • 0% Interest for three months then promotional offers 6 - 48 months: 19.9% p.a after your interest-free period expires

 


Suitable Purchases

  • Buy 'Little Things' up to $2,000
  • Buy 'Big Things' up to $30,000

ZIP Pay:

  • For purchases up to $1,000

ZIP Money:

  • For purchases over $1,000. Accounts greater than $5,000 must be applied through a merchant.

Fees

'Little Things':

  • $8 monthly fee if you choose to pay in 10x fortnightly repayments

 

'Big Things':

  • Has an $8 monthly fee + $35 - $90 set-up fee + $22 repeat purchase fee

ZIP Pay only:

  • $0 set-up fee

ZIP Money only:

  • Up to $99 set-up fee

Both ZIP Pay and ZIP Money:

  • $6/month waived if you have no balance

Where can you buy?

Online & in-store

Online & in-store


Repayments

For the 'Little Things':

  • Repay in 5 or 10 repayments weekly or fortnightly

For the 'Big Things':

  • Choose to repay over 6, 12, 24. and up to 60 months

You can choose to pay repayments on a weekly, fortnightly, or monthly basis otherwise the minimum $40 per month applies on both ZIP purchase categories.


Late Fees

For the 'Little Things':

  • Repay in 5 or 10 repayments weekly or fortnightly

For the 'Big Things':

  • Choose to repay over 6, 12, 24. and up to 60 months

ZIP Pay:

  • $5 late fee if you don't meet your minimum monthly repayment within 3 weeks of the due date.

ZIP Money:

  • $15 late fee if you don't meet your minimum monthly repayment within 3 weeks of the due date.

Refund policy

Return your product to the retailer who will handle the refund in accordance with thei return policy. If a refund is required in accordance with the retailer's policy or by law. Humm will refund what you have paid and cancel any future payments.

Return your product to the retailer who will handle the refund in accordance with their return policy. When the retailer agrees to a refund, your ZIP account will be credited with the agreed refund amount.


Other

Features both Apple and Android app

Features both Apple and Android app