Zip Pay is a reuseable account of up to $1000 that lets you shop now and pay later. No upfront payments and interest free always. Make as many purchases as you like up to your account limit, then set up flexible repayments to suit your lifestyle.

Apply in moments and get approved for up to $1000 on the spot. Once approved, start shopping by selecting Zip at checkout. That's it - your purchase is all yours with nothing to pay today. Interest free always.

Your first payment won't be due until the end of next month. When you open your account, we'll set up a monthly payment of $40 (or less if the amount you owe is under $40). This will come from your linked debit card on the last day of each month and run until your purchases are paid off.

Finally, if there's nothing owing on your account, there's nothing to pay. Your account simply remains active until you're ready to make a purchase.

Zip Pay is 100% interest free, always. There's a $6 monthly account fee, this monthly fee is waived if your closing balance is paid by the due date. No balance no fee. And you'll pay nothing upfront - there are no setup fees and no hidden charges.

If you don't meet your minimum monthly repayment, a $5 late fee may apply.

Misspap's refund policy applies to all purchases paid with Zip. Once a refund has been processed, the refunded amount will appear back in your Zip account. If a refund puts your Zip account in credit, you can contact Zip to have the amount refunded back to your bank account instead.