Zip gives you the freedom to buy the things you love today. No fuss, no wait, no worries.
Whatever you want from Koala, there’s a zip for that
Two great ways to help you own it.
How to use Zip at Koala
Choose the items you love
Select Zip at the checkout
Set your repayments and enjoy your purchase
Choose the account that's right for you.
Sign up and get a decision in minutes.
Select Zip at checkout.
Log into your account to set up your repayment schedule to suit your lifestyle.
Reuse your account anywhere you see the Zip logo.
Zip Pay purchases are interest free, always.
For Zip Money, when the interest free period expires, the annual standard percentage of 19.9% applies.
Any balance outstanding at expiry of interest free period for the purchase will be charged interest at the standard annual percentage rate, currently 19.9%
The $7.95 monthly account fee is waived if you pay your balance by the due date.
If there's nothing owing on your account, there's nothing to pay and no fees.
Choose from weekly, fortnightly or monthly payments to suit your lifestyle.
Repayments start from $40 a month and are based on your account's credit limit.*
If your item meets the Merchant's return policy, the purchase amount will be credited back to your Zip account.
* For Zip Pay - Minimum monthly repayments are required. A monthly account fee of $7.95 applies. Pay your closing balance in full by the due date each month and we’ll waive the fee. Available to approved applicants only. T&Cs apply.
For Zip Money - Available to approved applicants only. Minimum monthly repayments are required. Paying only the minimum monthly repayment amount will generally not repay a purchase within the interest free period. Any balance outstanding at the expiry of the interest free period for the purchase will be charged interest at the standard annual percentage rate, currently 19.9%. A $7.95 monthly account fee applies. A one-off establishment fee may apply for new customers. Terms & Conditions apply and are available on application. See your contract for further details. Credit provided by ZipMoney Payments Pty Ltd (ABN 58 164 440 993), Australian Credit Licence Number 441878.