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Buy now, pay later with ZIP

ZIP Pay and Zip Money now available

Enjoy flexible payment options with ZIP

We've partnered with ZIP to bring you more flexible payment options at checkout. You can now shop bicycles and gear online and checkout with flexible payment options that suit you! It's easy to sign up with both ZIP Pay available for smaller purchases, and ZIP Money for those larger purchases with up to 12 months interest free*.

Why choose Zip Pay?

Up to $2,000 for everyday spending, online and in-store. Zip Pay is a fast, secure and easy way to get what you need today and repay it on a schedule that suits you, interest free

Flexible Repayments

Choose a weekly, fortnightly or monthly schedule. Pay off early if you like, without a penalty.

Pay later, interest free

Every transaction you make with Zip Pay is interest free, always.

Approval in minutes

Apply in minutes, with no establishment fees and nothing to pay today.

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Why choose Zip Money?

Over $1,000 for bigger buys, pay later with flexible repayments. Zip Money is a fast, secure and easy way to get what you need today and repay it on a schedule that suits you.

Flexible repayments

Choose a weekly, fortnightly or monthly schedule. And you can pay it all off early, without a penalty.

From 6 months interest free

Every Zip Money transaction comes with at least 6 months interest free, guaranteed.

Interest free retail offers

Selected Giant retailers that accept Zip Money often run 6-12 months interest free offers, sometimes more!*

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Terms and Conditions

Please be advised that as a payment method, ZIP products have their own Terms and Conditions in conjunction with our Terms and Conditions of Sale. To find out more about ZIP and their terms of use, visit their website through the link provided below.

Frequently Asked Questions

Zip Pay is an interest-free buy-now-pay-later service with a credit limit of up to $2000.^^ Repayments are based on a minimum monthly payment from as little as $10 per week. A $7.95 monthly account fee applies, ZIP will waive the fee if you pay your statement closing balance in full, by the due date. With Zip Pay, you can shop everywhere you see the Contactless Symbol when you add your Zip card to your Apple or Google wallet.* Zip Money is a line of credit with credit limits between $1,000 and $3000 for regular accounts and up to $50,000 for specific merchants*. Zip Money offers customers a guaranteed interest-free period of 6 months or 12 months on our website. Zip Money accounts may incur a one-off establishment fee for certain credit limits. A $6 monthly account fee applies. *Please note that Giant has a $10,000 limit and offers up to 12 month interest free payment options Both products also feature ZIP's Shop Everywhere card, which you can use at any online retailer that accepts Visa**.

Zip is perfect for everyday purchases and offers the ability to transact just about everywhere, so you can manage all your expenses in one place and repay on a schedule that suits you. To shop instore, Zip Pay users can checkout using Tap & Zip.* To get started with Tap & Zip, simply navigate to the Zip app and click on the card icon in the bottom menu. From there, you will be able to generate a multi-use Tap & Zip card and add it to your Apple Pay or Google Pay wallet. To shop online, use the Zip mobile app and generate a single-use card at the checkout anywhere Visa is accepted.

Repayments are automatically direct debited from the payment method that you added when you created the account. You can change the payment method at any time and the frequency of your payments to weekly, fortnightly or monthly as long as your covering the minimum monthly repayments. Choose what works best for you.

With Zip Pay a $7.95 monthly account fee applies, ZIP will waive the fee if you pay your statement closing balance in full, by the due date. With Zip Money a $6 monthly account fee applies which is waived if you have nothing owing.

Your Zip account will be credited with the agreed refund amount. The funds will then be put towards your owing balance or depending on the refund amount your account may be placed in credit. For more information on refunds on goods purchased on our online store, read our Terms and Conditions of Sale.

Availability with respect to ZIP as a payment option will vary from store to store, please reach out to your local retailer and discuss what type of payment options they have available.