Why wait? Buy now with Zip!

Zip is a safe, simple and convenient way to pay for your purchase over time. It provides you with the flexibility to buy in-store today and pay later on an interest-free payment plan.

What is Zip Pay?

• Zip Pay is a safe, simple and 100% interest-free account, offering you the ability to buy now and pay later, on your terms.

How does it work?

• Apply once and we’ll give you a decision on the spot. If approved, you can use your account immediately to purchase wherever you see Zip Pay at checkout. We pay the retailer on your behalf and your purchase can be dispatched or taken home straight away. You simply pay us back over time at a frequency to suit your lifestyle, and pay no interest ever.

How can I manage my repayments?

• We know flexibility is important, so our product is designed to put you in charge. Simply log into your account to set up your weekly, fortnightly or monthly repayment schedule. Once set up, payments will be taken automatically from your selected payment method, however, you can also make additional one-off payments at any time.

When do I need to pay back by?

• On the 1st of each month we’ll send you a Statement with any purchases made in the month prior. You then have the rest of the month to pay back your purchases with no fees. Alternatively, you can take as long as you need to pay back, as long as you meet the minimum monthly repayment of $40 (or remaining balance, if less).

What are the fees?

• If you don’t pay off your Statement balance in full by the end of the month, the only charge is a $6 monthly fee which will be added to your account. However, if you don’t meet the minimum monthly repayment of $40 (or remaining balance, if less), an additional $5 late payment fee may also apply. No balance, no fees and you’ll never be charged any interest on a Zip Pay purchase.

How do I reuse my account?

• You can re-use your account wherever you see Zip Pay online or in-store. Simply select Zip Pay at checkout, sign in to your account to confirm your purchase and it will be added to your balance. You can add as many purchases as you like to your account (up to your account limit), then simply choose how much to pay back each month.

Who can apply

• Must be 18 years of age. Must be an Australian citizen or a resident. Must be employed in some capacity

How can I apply?

• Click Apply Now and complete the easy 3 minute application. You'll be surprised at how simple the process is. Once approved and you accept the terms and conditions, zipMoney will pay Beaumont Tiles on your behalf.

What else should I know?

• Although zipMoney's interest free plan allows you to shop today without paying anything upfront - it is a loan and must be paid back. zipMoney's payment plans are interest free for up to 12 months, but please be aware that interest will start to accrue after the interest free period. You can see your interest free balance, how long it is estimated to take to repay the loan and change your payment schedule in your digital wallet.

What are the benefits?

• You can buy the goods you want today and pay nothing upfront. By paying with your zipMoney account, you can split the cost of your purchase and pay over time. zipMoney even pays Beaumont Tiles on your behalf no money ever changes hands. You're also provided with a virtual account so for your next purchase, all you need to do is sign-in to your digital wallet, confirm and pay. There's no more need to use your credit card or seek a loan elsewhere. It's simple and easy to use.

What are the fees?

• No deposit, so nothing to pay today. A one off establishment fee of $99 may apply. Don't worry this is added to your interest free balance. Please see your application and contract for details. Minimum monthly payments apply. See your contract and application for details. An interest free period of 12 months, after which interest will accrue at the standard annual percentage rate. A small monthly admin fee of $6.00

Terms and Conditions

zipPay:

• Minimum monthly repayments are required. A monthly account fee of $6.00 applies. Pay your closing balance in full each month and we'll waive the fee.

zipMoney:

• Minimum monthly repayments are required. Paying only the minimum monthly repayment amount will not pay out the 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 contractual rate, currently 19.9%. A $6 monthly account fee applies. A one-off establishment fee may apply. Available to approved applicants only. Terms & Conditions apply and are available on application. See your contract for further details. Credit provided by zipMoney Payments Pty Limited (ABN 58 164 440 993, Australian Credit Licence Number 441878).