Below are the criteria to be eligible to apply for a Zip account:

Zip Pay
Zip Money
  • Be at least 18 years old
  • Be an Australian citizen or Permanent Resident
  • Have a verified Facebook, PayPal or LinkedIn account in your own name.
  • Have a good credit history
  • Have your own valid and verifiable email address and mobile number
  • Be at least 18 years old
  • Be an Australian citizen or Permanent Resident
  • Be employed in some capacity (Certain pensions may also be accepted - please contact us for further information)
  • Earn more than $300 per week
  • Have a good credit history
  • Have your own valid and verifiable email address and mobile number

We then apply our responsible lending criteria to each application.

If you meet the criteria here and would like to apply for Zip Pay or Zip Money, click here.

Important: As this is an application for a line of credit, we may perform a credit check as part of the sign up process. Please ensure that all personal information you provide is accurate and your own, false information will result in your application being unsuccessful.