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Buy Now, Pay Later

 Learn about how you can BUY NOW AND PAY later with ZipMoney and Afterpay!


- No interest fees

- No credit cards

- Digital shopping account

- Shop now and pay for it later


 ZipMoney Credit Limit

Your approved credit limit is determined by the information provided at the time of your application. If your approved limit does not cover the entire cost of your purchase, you will be required to make an additional payment at check-out.

On average, the credit limit for ZipMoney is $5,000.00.


What if my account limit does not cover the cost of the purchase?

If your available zipMoney funds do not cover the full cost of the purchase, you will be prompted to make a co-payment before completing the purchase.

Once the prompt has been acknowledged, you will be asked to use your card to cover the part of the purchase not covered by the account limit for the co-payment before the purchase is completed.

Note: The maximum co-payment you can make is $250. If you need to make a co-payment greater than this, you will need to discuss whether you can split the payment directly with the merchant.


AfterPay Credit Limit

Afterpay does not approve 100% of orders. Please be advised that the maximum credit limit for Afterpay is $1,000.00 per order, however this will increase over time once Afterpay approves. 

We are committed to ensuring we support responsible spending.

When determining which orders to approve, our automated system considers a number of different factors. As an example, the longer you have been a customer with Afterpay and the more orders you have successfully repaid, the more likely you will be able to spend more.

Things to consider:

- are there sufficient funds on your card (generally we look to see 25% of the order value available to spend)

- length of time you have been using Afterpay (tighter in the first 6 weeks)

- amount you have to repay, it may help to pay some off (not a guarantee)

- the value of the order you are trying to place, it may help to reduce the value of your shopping cart (not a guarantee)

- adding a credit card may increase your spending power (not a guarantee)

- the number of orders you currently have 'open' with us (not a guarantee)

Whilst we know it can be frustrating to not know exactly how much you can spend each time or how many active orders you can have, our rules and approval process help Afterpay responsibly offer a completely free service to our customers. 


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