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 easier 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, Latitude, Zip, Humm, OpenPay, and Klarna.

The above mentioned BNPL providers such as Afterpay and Latitude offer simple, interest-free purchasing, perfect for everyday 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. Before you decide to use Humm, view their Target Market Determination.

Offering two purchasing options of Zip Pay and Zip Money. Before you decide to use Zip, view the Target Market Determination.
Eligibility
  • Be 18+ years of age
  • Be a permanent Australian resident
  • Have a permanent job (minimum of 25 hours/week) or be on aged/veteran's pension
  • Be sure you are not insolvent (or declared bankrupt)

Eligibility

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

0% Interest

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
Buy Big Things:
  • Up to $30,000

Suitable Purchases

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
  • Plus, a $35–90 set-up fee and $22 repeat purchase fee

Fees

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

Where can you buy?

Online and in-store

Repayments

For Little Things:

  • Repay in 5 or 10 repayments weekly or fortnightly
For Big Things:
  • Choose to repay over 6, 12, 24, and up to 60 months

Repayments

  • 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 Little Things:

  • Repay in 5 or 10 repayments weekly or fortnightly
For Big Things:
  • Choose to repay over 6, 12, 24, and up to 60 months

Late Fees

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 monthly repayment within three weeks of the due date

Refund Policy

Return your product to the retailer who will handle the refund and Humm will refund what you have paid and cancel any future payments

Refund Policy

Return your product to the retailer who will handle the refund, and your Zip account will be credited with the agreed refund amount

Other

Features both an Apple & Android app

Other

Features both an Apple & Android app