Once you have checked that you are eligible to apply for a Zip account, you simply start your application here or during checkout at any of our partner retailers

We have 2 different accounts you can choose from:

  • Zip Pay
  • Zip Money

Make sure you check out our detailed overview around the differences of the accounts and the associated fees!

Sign-up itself then takes only minutes. 

Zip Pay only requires you to provide some pieces of personal information, to verify your mobile phone and to connect to a Facebook, PayPal or LinkedIn account in your own name. 

Zip Money has more steps to complete as the credit limit is significantly higher, however, should only take you 3 minutes. In addition for what we would ask for a Zip Pay account, we will need you to provide your residential and employment status, as well as your income and other resources to comfortably meet the loan repayment. As part of the application we will also ask you for your transaction history via your online bank account, a step which is now commonly used in Australia to verify the information you provided. 

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. 

Once you submit the application, we'll provide you with a decision as soon as possible.

Should you be declined for an account, it could be because of one of the reasons listed here.