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Frequently Asked Questions

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What do I need to use Zip Money?

  • Be 18 years old.
  • Be an Australian citizen or permanent resident.
  • Be employed and receiving regular income (certain pensions may also be accepted).
  • Have a good credit history.
  • Have your own valid and verifiable email address and mobile number.
  • Be a homeowner/homebuyer for credit applications of $5,000 or over.

Read more information here on who can apply for Zip Money.

How do I use Zip Money?

  • Simply apply online (takes approximately 5 minutes).
  • Create a Zip account.
  • Choose the appropriate credit level and complete your application.
  • You will receive an approval or decline notification.
  • Select Zip at checkout.
  • Log into your account to set up a repayment schedule to suit your financial position.

What about fees and interest?

  • Zip Money is interest free, if you pay off your credit within the interest free period.
  • Standard interest rate of 25.9% applies after the interest free period.
  • The $9.95 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.
  • Read more here about repayments, interest and fees for Zip Money.

What kind of repayment plan can I choose?

  • Choose from weekly, fortnightly or monthly payments to match your financial position.
  • Monthly repayments will vary based on your account's credit level.
  • Read more here about repayments, interest and fees for Zip Money.

What if I need to cancel my trip - will I get a refund?

  • Any changes or cancellations to your Costsaver travel arrangements do not affect your credit agreement with Zip Money
  • Standard Costsaver cancellation and change of booking policies will apply. Please find full details here. If you are entitled to a full or partial refund, this amount will be credited to your personal bank account by Costsaver. You will be responsible for fulfilling your credit arrangements with Zip Money.
  • Costsaver pays Zip Money a merchant fee per transaction