Bathroom Renovation Finance Options

Zip Pay is an interest free buy now pay later product offering a credit limit of up to $1,000¹. You can buy what you love and enjoy the flexibility of paying it off over time.

• Apply in under 4 minutes and start shopping instantly once approved
• Instant access to a digital Visa card that works online and instore, anywhere Visa is accepted **
• Repay from $10/week A $9.95 monthly account fee applies, waived if nothing owing.

Zip Plus is a great value digital card with interest free and waived fee options. You’ll have more spending power than Zip Pay, with access to a credit limit of $2,000- 8,000².

• Use Zip Plus instore and online everywhere Visa is accepted
• Reduce your owing balance to $1,500 at the end of each month and you’ll pay no interest at all. If your owing balance is over $1,500 at the end of the month, a low interest rate of 12.95% p.a applies.
• Repay from $20/week
• Shop globally, with no foreign transaction fees
• A $9.95 monthly account fee applies, waived if there is no balance owing at the end of each month.

Zip Money is a line of credit with limits between $1,000 and $5,000 when customers apply directly with Zip, or $50,000 when customers apply through select Zip retailers. You’ll enjoy a guaranteed interest free period of 3 months across all purchases and up to 5 years with some Zip’s retailers³.

• Repay from $10/week
• A one-off establishment fee for certain credit limits may apply
• A $9.95 monthly account fee applies, waived if nothing owing at the end of each month.

Zip Pay:

• Monthly Account Fee: $9.95 (waived if you pay your statement closing balance in full by the due date).
• Late Fee: $7.50 if you miss the minimum repayment, charged 7 days after your due date.
• Foreign Exchange Fee: If you use a Zip Visa Card or a Single-Use Card to make a ‘foreign transaction’ (being a transaction made with a merchant or processed by a financial institution located outside Australia), a fee charged at 1% of the value of the foreign transaction.

Zip Plus:

• Monthly Account Fee: $9.95 (waived if you do not have an outstanding balance at the end of the month).

• Interest:

  • 12.95% p.a. if your balance is over $1,500.
  • No interest if your balance is $1,500 or less.
• Late Fee: $15 if the minimum repayment isn’t made, charged 7 days after your due date.

Zip Money:

• Monthly Account Fee: $9.95 (waived if you do not have an outstanding balance at the end of the month).
• One-off Establishment Fee: $0 – $99, depending on your approved credit limit.
• Instalment Fee: 1.5% of the transaction amount per month for extended interest-free periods.
• Late Fee: $15 if the minimum repayment isn’t made, charged 7 days after your due date.
• BPAY Bill Payment Fee: $2.50 per bill payment.
• Foreign Exchange Fee: If you use a Single-Use Card to make a ‘foreign transaction’ (being a transaction made with a merchant or processed by a financial institution located outside Australia), a fee charged at 3% of the value of the foreign transaction.

Zip Personal Loan:

• Monthly Account Fee: $9.95
• One-off Establishment Fee: $199 applied to the balance owing on your loan once disbursed.
• Late Fee: $25 if the minimum repayment isn’t made, charged 21 days after your due date.